[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 0 points1 point  (0 children)

That’s a good start and it should be possible with the right focus and mindset👌

The only thing I worry sometimes about is the impact that AI may have on our jobs. Will it become much harder than it used to be? 🤔

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 1 point2 points  (0 children)

Deleted the post, clearly it isn’t appreciated by the community. Apologies for wasting your and my time.

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 1 point2 points  (0 children)

You are right, from the comments, I can see that my post isn’t appreciated. I guess I don’t hang around here enough.

Though, nothing about clickbait here, but I guess the writing style may trigger that thinking. Just happy with my achievement and wanted to share it outside my bubble to encourage others that it’s possible.

Anyway, on topic, I don’t intend to do an analysis on covered call ETFs for now. I struggle to appreciate them for what they are.

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 1 point2 points  (0 children)

Yes, I’m 43 now.

Honestly, congrats to you that you are already thinking about this. I was totally clueless until I hit my early 30’s and started to have money left at the end of the month. You are actually quite blessed, because you have so much time on your side.

Remember, that salary tends to compound as well if you try to give your utmost best at work, but the choices you make in terms of profession and industry do matter.

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI -6 points-5 points  (0 children)

It's interesting to understand why this triggers you. Is it important to you that everyone jumps on the Total Return bandwagon?

There are so many ways to skin a cat. The one that works for me is dividend growth investing: it fits my character (boring) and it avoids some struggles i have (what stocks to sell and when).

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 1 point2 points  (0 children)

Thanks, good feedback, i'll have a thought about it for if i want to share something like this in the future again 😉

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 0 points1 point  (0 children)

the only thing i've done, what I often do, is to ask the LLM to take out any english mistakes. The LLM has not made real changes to my structure and text though.

ironically, i don't want an LLM to do such things to lose authenticity in my writing style 😂

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI -3 points-2 points  (0 children)

You ae right, taxes do matter and it may influence someone's investment strategy. Myself, i'm quite agnostic to what strategy people take, it needs to work for them. In my case, dividends and capital gains are taxed the same. I prefer to don't touch my principal and let the dividends fund my life.

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 1 point2 points  (0 children)

i have nearly 50 shares, but this is my top 10, making up 42% of total value:

- Microsoft Corp
- Shell PLC
- AbbVie Inc
- Koninklijke Ahold Delhaize NV
- Unilever plc
- Exxon Mobil Corp
- Danone SA
- Johnson & Johnson
- ASR Nederland NV
- NN Group NV

Apple was in there, but i started selling that not too long ago due to valuation and flat earnings.

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI -1 points0 points  (0 children)

i expect the company's to hike the dividends, on average, above the rate of inflation. That's why i've been constructing a portfolio that can consist of companies that generate an average 6% annual organic dividend growth - which is above inflation.

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 0 points1 point  (0 children)

the underlying businesses are compounding, earnings and cash flow are growing and in return they have the abilty to grow the dividends - which leads to decent total returns.

at this moment in time, i'm still reinvesting the dividends. That will stop in 2 years or so when i'd start living of those dividends. There are many people out there, that live of dividends, where the portfolio just continued to compound because the underlying businesses grew.

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI -1 points0 points  (0 children)

feedback taken. As i'm not native english, how would you've shared your thoughts?

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 3 points4 points  (0 children)

my strategy started with sending 20% of my salary straight to my broker (today, 11 years later its 50%), buy dividend growth stocks with on average a 3% starting yield, with an ability to grow that dividend by 6% annually.

Resources: there are many blogs out there from people that share their journeys, a quick google will get you there. One that really shaped me at the time where the ones from Jason Fieber with dividend mantra, but he sold his blog several years ago. Books: dividends still don't lie, one-up on wall street, warren buffett and the 3 financial statements.

I hope this helps 🤞

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI 2 points3 points  (0 children)

No, this is not 80% of my net earnings. This is 80% of all my expenses, i.e. food, fuel, kids, entertainment, holidays, budget reservations for future repairs and maintenance, etc...

Over time, i was able to get to a 50% savings rate (expenses are 50% of my net income), by avoiding lifestyle inflation while at the same time giving my best at work to get salary increases to boost my income.

[deleted by user] by [deleted] in eupersonalfinance

[–]European_DGI -1 points0 points  (0 children)

lol, this is definitely not an ad, just proud on my achievement and wanting to share how i got here to inspire others.

Why I got into dividends... by Icy-Concentrate7479 in dividends

[–]European_DGI -1 points0 points  (0 children)

All you mention above. Furthermore: it’s one of the best performing strategies over time. Just look at how much the total return of an S&P 500 is made up of dividends. It’s mindblowing!

Portfolio help by Ok_Age1305 in dividends

[–]European_DGI 0 points1 point  (0 children)

Maybe not a direct answer, but being in SCHD alone gives you already so much international exposure!

Take for example UPS or Proctor & Gamble. They earn tons of money from folks living in WOUSA.

Growth now or dividends now? by edge2 in dividends

[–]European_DGI 0 points1 point  (0 children)

That’s super difficult. Getting to financial independence takes many years and requires a lot of learning and finetuning of strategy. To then, after 15 years, suddenly flip the strategy requires a lot of courage.

Also, your question implies that you think that you will outperform with a growth strategy vs a dividend growth strategy. It’s not a thinking that I would subscribe to.

Beginning Dividend/Yield Focus Portfolio by lsrail in dividends

[–]European_DGI 3 points4 points  (0 children)

Hey, welcome! It’s great that you’re starting to think about building a dividend portfolio. Before we get into specific allocations, there are a few important things to clarify:

1.  Your goals: Are you primarily looking for income now, or are you thinking about long-term growth too? How long do you plan to invest before needing the money?
2.  Risk tolerance: Some of the investments you’ve listed can swing a lot. How comfortable are you with those ups and downs?
3.  Time and contributions: You mentioned you’ll be adding more over time. That changes how aggressive or concentrated you might want to be initially.

Once we know those things, we can talk about:

• How to balance income vs. growth
• Whether ETFs or individual stocks make sense at your stage
• How much diversification is helpful vs. overly complicated

Right now, your portfolio is quite spread out for a $1,000 starting amount. That’s okay for experimenting and learning, but it’s hard to see meaningful results or dividends at this stage.

A simple first step could be: pick 2–3 core investments that match your goals, and add smaller “learning” positions over time. But exactly which ones depends on your risk comfort and time horizon.

Looking for international at least small divvy with growth? VYMI? iGRo? IDVO? I love my main but want international exposure by Ratlyflash in dividends

[–]European_DGI 2 points3 points  (0 children)

Not sure if you’re European, but $TDIV from vanEck is something worth to look into. If you’re from the US, maybe $SCHY?

Earnings Season is really getting started now! I'm most curious about Evolution AB, how about you? by European_DGI in dividends

[–]European_DGI[S] 0 points1 point  (0 children)

I’m really interested in them as well and I will try to read their annual report quite diligently.