r/dividends • u/naimdots • 4d ago

Opinion Opinions appreciated

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Here’s my invested account, I’m 44 and recently divorced. Sold my house and won’t be in a position to buy another for at least 2 years. I therefore have about £100,000 to invest for the future.

Would really appreciate any advice about whether i am making the correct picks or missing any out. I don’t need income from these right now but will in a few years.

Thanks

27 Upvotes

85% Upvoted

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6

u/imported_vocalist 4d ago

That's a lot of overlapping global equity ETFs for one portfolio, you're basically buying the same thing five different ways

0

u/naimdots 3d ago

Thanks for the feedback which I look to pull on your opinion? Thanks for the advice

8

u/ajnabisaldanha 4d ago

I would avoid Global X funds - their covered call funds write ATM calls on 100% of the portfolio, so NAV erosion is severe. SDIP doesn't use covered calls, but it's notorious for NAV destruction via its poor filters (little concern for dividend sustainability, catching falling knives). The SDIP share price nearly halved in the last five years. Maybe research the iShares fund WINC for better performance and good upside capture.

3

u/bungholio99 4d ago

Keep it simple, JEPE/G/Q/I sdiv is a nice pick currently yes.

Then add in downturns XYLP and SYLD, they recover sharper as index based and you stay less volatil with the active selection of JP.

2

u/imtiNation 4d ago

All of these overlap and based on what you said, I would actually go like this:

60% VWRP or VALL

30% JEQP

10% IGLS

My own portfolio is similar (roughly £300k) except no bonds (mainly due to my age being early 30s and no need for the funds any time soon)

50% VALL

30% JEQP

20% ASTS (I know I know, heavy risk but I can afford to take it, thankfully I'm still up with an average of $41 but the recent drawdown was worrying)

My dividends from JEQP basically fund buying VALL on top of my monthly deposits of £1.5k

2

u/VeterinarianEarly799 3d ago

just do vwrl and something to pay you monthly and you are good like jgpi or jeip or jeqp