Awesome stuff! My portfolio just surpassed the coveted ~$1m mark! Biggest positions VOO, VTI, SCHD, VYM, and now looking to build up DRGO alongside my individual stocks. I got ~$48800 divs last year in taxable divs. Q2 taxable divs this year was ~$17k this year. Get started and don't look back.
Quick question my goals are similar in the sense I want more dividends by the time I retire as well. How do you do it? and how long did it take to hit a million dollars?
If one is in their early 40s and just started investing (have 401k from work). Should they just focus on growth etfs since it will be too late for them to see real benefits with dividends? I put in a fair amount every month but it's been nothing but down down down... Sooooo complicated
Hi, I wouldn't say early 40's is 'too late' for anything related to investing. If you have at least 20 years left to put money into the market then I think growth is a nice way to lean. I would still have a balance of the two. I think value/dividends is good to have at any age in any market (with at least a portion of the portfolio). It may seem daunting at first but having guidance from a CFA is a useful alternative. This system has proven effective for me over the last three years! Especially with having enough time, spending time with my friends and family and allowing the chance to do my hobbies!
I'm trying to get an advisor but it's harder than you think. Anyone who is fee-based is hard to find and usually have a heavy workload. Would you be comfortable sharing a recommendation if it's not too much trouble
Oh very well then, conducting due diligence on Lina Dineikiene should suffice. She has established a notable reputation over time, and her system is acclaimed for its outstanding quality.
this is my strategy at moment (the first combination), i got it from one of of your former videos - i added just 2 stocks to it (Main street capital + realty income) to have 3-4 PAYMENTS per month ..... and am Good
Dear Angelo, HSBC does not pay dividends in January, April, July & October but in February, May, August & November. I know because I have the MSCI World one & it just paid this week.
Damn, you're right. The announcement & ex-date is in Jan, Apr, Jul & Oct, but the dividend is actually paid out the following month. Luckily the two other ETFs still pay out the same month dividends are announced. Sorry about that, seems like every site I checked about the HSBC ETFs got it wrong, only IB is displaying the dates correctly.
@@AngeloColomboFi @family_finance you could replace the HSBC ETF's with WTEQ (WisdomTree Global Quality Dividend Growth) which pays out twice a year (Jan+Jul). With VWRL/VHYL/TDIV+FGEQ+WTEQ you have 10 months of dividend-payouts.
Hi my idea on making a pie will be: 3/3 with 33% on every 1/3 like 1) Foundational U.S. ETF - VOO or VTI 2) High Risk High Reward - Growth ETF (VUG, SCHG, or QQQM) 3) Safe/ Stability - Dividend ETF (SCHD or VYM) # I need to find subtitudes for them in europe or Should i just focus on one Etf like the FTSE All-World and chill? I want to hear your opinion about these two options, Živeli!
Hi Angelo, I've recently join the channel and want to thank you for the effort you put into it. The way you cover each topic is very good and professional. I want to ask if you have an excel model related to this video since it will help me understand better? Thanks, Edo
Hi Angelo. Thanks for the always good discussed topics for us investors in Europe. Also to comment very nice progress you have. I personally do not think so much on being excited on receiving the dividends, but once the time comes, I do not want to sell anything, but rather receive the cash flow and enjoy life. Accumulating for me means more I need still to sell shares, pay taxes, looking how the money on the account is decreasing which I don't believe anyone of us would like to see. But it's only my view at the moment and for now I will continue with buying good dividend stocks and ETF's for my portfolio. Cheers and keep up the good work.
Thank you David, also for sharing your perspective. I'm sure that us starting to withdraw some money by selling some accumulating shares regularly in retirement will feel strange at the beginning, but I'm sure we'll get used to it after a while. But I understand why you'd prefer not needing to do that.
Thank you! I love the last part "a couple of hand picked stocks to lose money with" 😅 I've had a similar experience in the past whenever I tried single stocks.
Hello Angelo! Your videos are very informative. I have a question or rather two questions. I just started my "self financial education" as I want to invest in ETFs for improving my financial situation in my older years. My first concern/question is regarding the composition of the VWCE or similar ETFs. I think that the "big 7 stocks" are overrated and therfore would like to reduce their weight by ading some other ETFs. I put my eye on VGWE and VWCG. Both have higher dividend yields, lower growth rates but seem to be made out of more "mature" or stable companies. Either worldwide or from Europe. And here is my second problem. I couldn not find find any free tools to clearly see the overlaping betwen this ETFs. Can you offer some advice? Best regards, Vid
Excellent video... I also prefer portfolio #2. In fact, my own portfolio is quite similar. An important fact you didn't mention is that every ETF in portfolio #2 has a nicely growing dividend payout of about 6% p.a. Meaning, your absolute dividend payout doubles every 12 years or so, without needing to invest more money.
When u decide after many years of investing in accumulating ETF that now u would like to receive monthly dividends , ist that an option u choose in the broker app to receive or accumulate dividends? Or u must then sell all ur Etfs and direct buy another ones the pay monthly ?!
You would have to sell & switch to different ETFs if that was important to you. But that would make no sense, since fees for selling are so low nowadays using low-cost brokers like IB and Trade Republic. Thus, you can just sell a percentage of your accumulating ETF each year (eg. its reinvested dividend yield) to the same effect, while being a lot more tax-efficient long-term in most European countries: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-b_TXq9H8prQ.html
Hi Angelo, thank you for the great content. What do you think about dividend ETFs being less volatile and so less risky, especially in a market corection period? Do you think they can be used as a hedge in addition to VWCE that has more weight in Tech? Does it make sence to build 2 ETFs portfolio between VWCE and VHYL in your opinion? The main goal is not the dividents but to lower risk and to have part of the advantage in the retirement phase where you get dividends instead of selling part of your portfolio.
Hi Angelo!amazing content as always!thanks for the several videos that are helping lots of people :) A question about cbcd's...any idea how the introduction of cbdc's will affect prices of ETFs, gold, bitcoin, real estate,...?and if you have any new future strategy or keeping the same..? Thank you
I use portfolion number 1, u get dividends declarer everymonth for sure, but actual pay day (in your bank account is not every month) , its about 9-10 out of 12 months (still good) I added 2 monthly paying dividends , so now i have 2-3 payments every month 😅
Eccellente video, l'ho rivisto due volte. Ho in portafoglio il VHYL e il HPRD, avevo anche il FGQI ma l'ho venduto (ho fatto male). Vorrei avvicinarmi a un portafoglio semplificato come il tuo o quelli che proponi, ho troppe posizioni adesso (quasi 30, molte azioni individuali). il VWRL (che ho) mi sembra l'opzione ovvia per costituire la colonna vertebrale del portafoglio, insieme a qualche etf di dividendo e qualche azione singola. Saluti e complimenti per la qualità dei tuoi video.
@AngeloColomboFi I'm based in Ireland. Where I can find if my dividend will be taxed? I would like to buy a HSBC ETF...not sure if I buy the distributor one or accumulated one. Thanks
hey, dont forget that if you live in Belgium you don't have to pay withholding tax (30%) on the first €840 dividends that you receive on an annual basis. if you are married or you have a legal cohabitation this amount from €840 can go up to €1.680 , because when you are in one of those situations you can choose to fill in one personal tax file instead of two. Furthermore it is very important to tell this as well; you will pay the withholding tax from 30%, but you get it back from your personal tax. so you pay it, but you always get it back through your persontal tax. You just need to keep the documents you get from your broker. Also, i know that you don't have to believe anyone on the internet, but oyu can look this up for sure! ps: my english is okay, but i can explain this much better in Dutch, sorry!
Dear Angelo, First of all I appreciate your nicely described videos. Please keep it up. And it’s better to mention that my portfolio also looks like yours portfolio 2. I am investing on, 1. Vanguard Funds PLC - Vanguard FTSE All World UCITS ETF (DIS) 2. Fidelity US Quality Income UCITS ETF Income USD Shares (DIS) 3. iShares Core MSCI World UCITS ETF (ACC). Is it okay? or should I change little bit? Because I just started last month so still I can do rearrange. My 2nd question is, there are lots of overlap between these ETF. Is it okay? Please let me know, I will be thankful to hear from you.
Thank you! It's for you to decide if it's ok, I can't tell you that. If you wanted additional US exposure with a quality/dividend factor (US quality income) and to reduce your Emerging Markets exposure overall compared to just buying the FTSE All-World (by adding the MSCI World), then you achieved that. In my opinion a FTSE All-World on its own is already enough and easier to stick to long-term as a strategy, but it's up to you in the end :)
I am buying Financial sector stocks and TSX (Toronto stock Exchange) index ETF as dividend ETF because Canada index is heavy on financial sector and utilities. They are about 30% of my total portfolio. I invest in them also due to tax efficiency considerations. I am in Canada btw.
Hello Angelo, i have one quick question. So in the first case, i only have to invest 446.097 euros in total, so 223 euros in vanguard, 133 euros in fidelity and 89 euros in HSBC right? Or am i missing something?
The Vanguard's FTSE Developed World UCITS ETF + FTSE Emerging Markets UCITS ETF is almost identical to Vanguard all world portfolio but much lower upkeep costs (0.22 vs 0.12). Have you thought of this alternative?
Hi Angelo. As usual good stuff and simplified information made it easier to understand. This is really tempting to pursue but the capital gain tax in Germany is too high (almost 27%). The rebate is capped at only 2000euro/year... This make the approach seems to be counter intuitive. What do you think on this? or am I missing the points here?
Thank you! I wasn't trying to convince anyone to start a dividend focused strategy anyway with this video, I was just showing some options since I know many people like an income-focused approach. You might like one of these strategies more (eg. via Accumulating ETFs): ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-dFl7KMLlgOU.html
Another excellent video Angelo. Option 3 would be my choice. Given you also do P2P investments, it would be interesting to see how/if you would blend an ETF and PTP strategy for income generation purposes and what a model portfolio would look like in such a scenario.
Thank you! Interesting, then you're clearly an income-focused investor :) For that style of investing, I think I would add 10-20% P2P (eg. Esketit and Mintos, focusing on the best-rated lending companies) to increase monthly cash-flow, while not betting too much on a much smaller sector (P2P). Not financial advice though, just my 2 cents.
Thank you Angelo, great inputs and very much appreciated. I have started my P2P journey with Mintos in their Diversified strategy - a great way to start. Keep up the good work, we appreciate very much what you are doing.
Yes, that's because most ETFs have USD as their fund currency. But most brokers convert them to EUR for you and if you use Trade Republic, the conversion fee is very low (0.14%).
You didn’t talk about monthly dividends ETFs , so I think the title is a little confusing. Anyway, what do you think about Vaneck REIT ETF? It seems better than the other one you mentioned. Thank you for your contents, always interesting.
I showed 3 ETF combinations that pay dividends every month, how would you have titled it instead? The Vaneck REIT ETF is great as well, I simply didn't mention it since it pays dividends the same months Vanguard ETFs do. My pleasure! 🙏
Hi Angelo Congrats for the channel I could not find any video where u say something about market data in interactive brokers. To receive real time quotes Would u kindly speak about it?
Thank you! Unless you're a professional trader, I feel that the market data you get on IB for free is plenty good enough. You can compare it with www.gettex.de/en as well
Hi Angelo, I was wondering if there are any recommendable distributing ETFs that only distribute dividends every 6 months or yearly to get over national tax laws (Most tax efficient if you hold investment for at least 6 months)?
Thanks for another interesting video. I own the SPDR S&P US Dividend Aristocrats UCITS ETF, and I'm losing almost 12% this year. No dividend can compensate these huge losses. I should have followed your simple approach and invest all in the FTSE all world.
My pleasure! If you generally like what the ETF invests in (US dividend companies), then I wouldn't judge it based on its 1-year performance alone. It actually outperformed the FTSE All-World over the past 3 years and since 2012. Obviously I still prefer the latter since I don't like investments that are that concentrated on one country/strategy, but I still recommend zooming out when reviewing an ETFs performance.
Hey, great content Angelo. I’ve subscribed. Can I ask you… is it possible to transfer from an accumulating ETF to the equivalent ETF but in its distribution counterpart without selling and having a taxable event? Just wondering what will you do once you reach a certain amount of money where you no longer want to accumulate, but collect the rewards. Greeting.
Thank you! Sadly there is no way to switch without it being counted as a taxable sale, at least not in most EU countries. Regarding the other part, I talked about that here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-b_TXq9H8prQ.html I would just sell Acc. shares in the amount I need, since trading fees are so low anyway.
@@AngeloColomboFi Thanks for replying. I’ll check the video and probably approach a very similar strategy as you. You’re doing a great job and I am recommending you to my friends as the most informative and mindful youtube channel for ETFs in particular in Europe. Keep it up and take care 😊
USD is the fund currency, which is irrelevant since the stocks within are diversified globally (in many different currencies). Yes if the USD loses value against the EUR, that will likely negatively impact ETF performance in € short-term, since most global ETFs have a US share of 60% or so. But long-term it's not worth worrying about (or wasting high fees hedging against), since it's normal for currencies to fluctuate in value.
My pleasure! Not sure I understand the question, why should an iShares Nasdaq 100 ETF not perform as well? Make sure you compare returns in the same currency (USD to USD, EUR to EUR).
Angelo, when an ETF is available in a European stock exchange in Euro, and in London Stock Exchange in Dollars, which one should we buy if we are in the eurozone? I was told that London SE has bigger liquidity.
I would always pick the European stock exchange if your home currency is €. Don't forget that IB (which I'm guessing you're referring to), checks several European exchanges for the best price for your order via its Smart Routing, not just the one you see at first glance.
I'm a student living in Germany, Want to invest Every month a little amount on Etf for a long time. Can you suggest me some portfolio? Or which one is better here cash flow dividend or accumulating dividend? #any_recommendations_are_appreciated
I don't give investment advice, but this video might give you some ideas: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-dFl7KMLlgOU.html As for Distributing vs. Accumulating ETFs: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-Cyzyj-K6U0k.html
Excellent stuff Angelo, very informative! I really enjoy your videos. They are extremely helpful! I have a question regarding how to buy an accumulative version of S&P500 UCITS ETF in IBKR. Since I plan to be a European long term investor, as I live in Greece, I want to choose the appropriate Listing Stock Exchange of the ETF. Currently, IBKR gives me to options for the S&P500, LSEETF and BVME.ETF. I understand that the first is exchanged in Dollars and the second one in Euros. Also, I understand that the dividends that will be reinvested would be in Dollars.? So my question is the following. Does it matter which Stoch Exchange I choose if I want to not pay any currency exchange fees? In what currency should I trade, and is there a way to choose a different Stock Exchange if it is more beneficial to me, even though IBKR provides me only those two options? Thank you very much and again, lovely stuff!
Thank you! I would pick BVME since EUR is your home currency. VUAA is accumulating by the way, so dividends will be automatically reinvested into stocks within the fund, raising its share price by that amount.
Hi Angelo, i have a quick question for you, basically i live in Germany, and I would like to know if Interactiv brokers take care of my taxes? Thanks in advance
They don't, I would pick Trade Republic angelo.fi/tr or Scalable Capital angelo.fi/scalable instead! This video might help: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-4B05bx3pHT8.html
Very nice video , thanks so much for all your effort and the knowledge you give. New subscriber from Greece here. Seems i cannot find any of the vanguard etf s in Trade republic. My question is if you recommend any similar etf in Trade republic that we can rely on long term like the vanguard's. Thank you in advance.
You're very welcome! Just use the ticker symbols (in the description and pinned comment) and you'll find them :) I made sure to include the correct ticker for both IB and Trade Republic there, since those are the two I use the most.
Thanks for replying to me Angelo , they won't show up in my search results, tried every possible combination and version of this. Anyway, Maybe it is a regional thing and its not available in my country. I will open an account in interactive brokers and try there.
That's strange. If I type in VGWL and VGWD they show up right away in the mobile app. The available ETFs should be the same across European countries as far as I'm aware. Does the app display any other ETFs at least - eg. MSCI World when you search for it?
You are right , i typed it with small letters and it came up , some times it does and some is not. Maybe its a connectivity issue after all ,i don't know. I am going to try through your link the IBKR because as i keep reading about brokers it always comes up as the most reliable and complete one. The fidelity one and HSBC for example won't come up either in TR. Anyways thanks for helping me out Angelo, really appreciate it much 🙏
Great video! I have one question, I am beginner in investing in stocks and etfs, and I would like to invest in SCHD etf, however I am located in Europe just like you, which ETF can we substitute? What do you think about FUSD or IUKD? Otherwise please suggest me a good high dividend etf, as I am planning to invest 25-33% of my portfolio on dividends. Thanks!
Thank you! If you only want US stocks like SCHD, then FUSD could be a good option, while if you want to invest globally (with a higher dividend yield), then the two others I mentioned FGEQ and VHYL/VGWD might be worth looking at! IUKD only invests in UK stocks, so that's not a viable alternative in my opinion.
@@AngeloColomboFi thanks for the reply! It seems lime both Fusd and fgeq doesnt have a huge yield, do you know any other alternative? Or what do you think about ivesting in high dividend stocks and not etfs? For example, O, Coca cola, Starbucks etc
I have NOK as my currency and it experience its weak days versus Euro and USD. All the ETFs you suggested in Europe are in Euro or USD. should i still buy them now and enter the ETF investment although I am paring a high price for Euro/ USD? Is there any ETF with my lokal currency?
The thing is, even if you buy the ETF in your home currency, you'll still pay the same price for each share - since it doesn't change the value of the underlying stocks in each currency.
For someone who only wants to invest in established dividend paying companies (for example lower volatility) to only buy 1 accumulating didivend ETF and sell 1000 EUR worth of it each month? Simpler and might also be better for tax reasons in some cases.
True, but that's simply due to technology stocks having a higher weight by market cap in the stock market right now (even higher at 23,8% in the MSCI World vs. 21,36% in the FGEQ).
story time: If a person come across a sum of 450K EUR he can just buy 3 small apartments and rent each one of them for 600 EUR, then he gets a monthly "dividend" of 1800 EUR... almost a thousand more than what he would have gotten from a similar cash amount invested in a portfolio. since real estate always appreciate in value (even shit apartments in less nicer neighborhood) so it works exactly as buying a stock which appreciate in value. so what is the thing with ETFs? now explain to me why I am a complete idiot and to change my mind ?
Question: it seems that the FUSD has slightly better specs and historical performance than the FGEQ. Any thoughts about this? (Apart from the diversification aspect)
lol had same idea few months ago then started investing. just mine version more degen 3 etfs similar in video + bond etf(pays monthly) :D Have excel that calculates procentages how much allocale and all :D
Doesn't sound very "degen" to me :) Then again, whenever I hear that word I have to think of r/wallstreetbets and the Gamestop saga 😅 Thank you for sharing!
I have shares in the UK, EU zone and US, is there somewhere I can learn about taxes for those who invest in multiple locations like me? I started 1 month ago and I can't find any concrete information
Amazing video, thank you 😊 I prefer the divident investments because the income, even if it is low, it is motivating me to stick to the plan. I am staking the crypto that I own in order to replicate the divident income just to motivate my self to stick to the investment plan. Not sure if it is the right thing to do but it is better than doing nothing 😊
@@AngeloColomboFi Binance Earn, I have multiple autoinvest portfolios and from time to time what ever is invested I manually move into staking in order to earn even more 😀
@@AngeloColomboFi I also have an apartmanet, which is rented out, which I consider that it provides monthly dividents, which are reinvested into the stock market or crypto 😀
On Interactive Brokers they pay out in USD since that's the fund currency and you can hold USD there directly (or convert it to € yourself), while on other brokers like Trade Republic dividend payments are converted to € and paid out to your account in €.
@@AngeloColomboFi Thanks. It would be really nice if you add Source text when showing graphics/screens. For example App/Website / Link - etc. I know it is a bit more work, but once having them done, it is easy to copy-paste the graphics. It increases the production value significantly. Cheers for your work!
Hi, really enjoyed your video. I want not able to find the VANGUARD FTSE ALL-WLD UCITS ETF ( US distribution ) in Flatex. Is the available VANGUARD FTSE ALL-WLD UCITS ETF (ISIN IE00B3RBWM25 ) the same? Thanks.
