TOP 5 Dividenden ETFs (Ausschüttende ETFs) - YouTube

Dividends. Regular distributions that we as investors

receive directly into our clearing account and can spend immediately in the nearest supermarket. Or, of course, you can simply

put it on again. They are exciting if only because you can use your own savings allowance

of €801 a year. As a reminder, if you activate the exemption

order with your broker where you trade stocks and ETFs (if you do not already

use it elsewhere),

no withholding tax will be charged on the first €801 that you make in profits from stocks in a year . Incidentally, this amount will be increased to €1,000 in 2023.

It is all the more exciting to deal with the question: what are

the top 5 dividend ETFs that you should think about. Here we go!

Many thanks to the channel members Jan Engelmann, Fabian Marquard,

Martin Klemer and Fabricio Rutz. If you would like to support the channel, then click

on the Become a member button below the video and find out what advantages channel members have.

Before we finally come to our ranking of the top 5, let's take a look at the 5 ETFs without a

rating. The first ETF is the SPDR S&P US Dividend Aristocrats ETF. This ETF contains

the so-called Dividend Aristocrats, mostly from the USA. These are the highest-yielding stocks

that have at least 20 straight years of dividend growth

. The ETF has had an average dividend yield of 2.43% since 2011.

This means that if you hold shares of this ETF worth €100 at the time of distribution,

you will receive €2.43 distributed. In this way, the ETF passes on the dividends of the shares to you.

The size of the distribution has increased by

7.57% in absolute figures per year since it was launched. For each ETF share you own, you will receive an

average of 7% points more from this ETF every year. Overall, which means the ETF's price gains

plus the aforementioned distributions, the ETF has

returned 14.88% per year since it was launched in 2011. That's particularly strong, but it's worth noting

that this ETF has pretty much only seen an almost consistently bullish market since 2011

. In contrast to other ETFs in this ranking, times of crisis were not included. These

have a significant impact on this indicator. The second ETF is the Vanguard FTSE All-World

High Dividend Yield ETF. This includes equities from industrialized and emerging countries. It

includes more than 1900 stocks, which is almost 19 times more than the US Dividend Aristocrats

ETF. Which also significantly reduces the risk of price fluctuations with this ETF. So this ETF tracks

stocks from around the world that pay above-average dividends. He

explicitly excludes real estate companies. This ETF has a distribution yield of

3.47% per year. So with €100 you get €3.47. Slightly more than the US Dividend Aristocrat ETF

before. However, that size of the payout hasn't grown that much since 2013,

at just 0.24% per year. And the ETF hardly achieved any returns apart from its distributions.

The overall performance here is only around 8%. So a whopping 6% per year under the SPDR ETF.

Follow the Techaktien channel on Instagram so you don't miss any news from the world's stock markets. The

channel provides you with small stock analyzes and always puts you in a good mood with good memes!

As the next ETF, we have a candidate that does not have a significant focus on dividend

stocks. The Vanguard FTSE All-World ETF in distribution form. This invests in

almost 4,000 stocks from industrialized and emerging countries. He weights the

shares according to size, i.e. market capitalization. In the end, you use this to depict a large

part of the world. Dividends do not remain a focus. Still, the ETF has averaged a 2.13%

distribution yield since 2012, which is pretty decent. The

payout in absolute figures per ETF share increases by around 5% per year. Overall

, this ETF has generated around 12.72% overall performance per year since it was launched. These are

very good values, even if, just like the US Dividend Aristocrat ETF, there has not yet been a really

bad market phase. The difference with Dividend Aristocrats ETF is that this

Vanguard ETF contains more than 25 times more stocks and is not just focused on the US. The

risk is therefore much lower here due to the broad diversification, you are not so

dependent on the USA and with no significantly worse returns. In fact, comparisons over 20 or 30

years would probably put this broad-based ETF ahead.

The next ETF is the iShares STOXX Global Select Dividend 100 ETF. This

focuses on Europe, North America and Asia and contains only 100

high-dividend-paying stocks. The stocks included must not have lowered the dividend

in the last 5 years, otherwise they will be thrown out and the

dividend issued may not account for more than 60% or 80% in Asia of earnings per share. With this

strategy, the ETF has achieved an excellent distribution yield of 4.28% per year on

average over the last 12 years. The payout per ETF share increases by

an average of around 3.48% per year. In terms of overall performance, however, the ETF cannot

keep up with Vanguard's All World ETF and the SPDR Dividend Aristocrat ETF. He

only gets about 10% per year, but over a slightly longer period. However, the financial crisis is

not yet fully included here. The financial crisis is fully reflected by

the iShares MSCI World ETF. This also has no focus on dividends,

but only depicts the industrialized nations with around 1600 largest stocks. Nevertheless,

he still has a distribution yield of 1.97% per year and increases his

distributions per ETF share by around 4% per year. The overall performance since it was launched

in 2005 is 8.29% per year, which is very good because it includes the

financial crisis of 2008, among other things. If we now only compare these ETFs according to the

distribution yield, i.e. only look at what was paid out to the investor per year in the form

of distributions to their clearing account, then the iShares STOXX

Global Select Dividend 100 ETF with its 4.28% is clear in front. It is followed by the Vanguard

all-World High Dividend Yield ETF ahead of the SPDR US Dividend Aristocrat ETF. The two ETFs

without a focus on dividends lag behind. So if we were to

invest in the iShares STOXX Global Select Dividend ETF and buy €18,714.95 worth of shares and

assume the dividend yield stays at 4.28%, we would have exactly €801 per year in

dividends received, which then go into our wallet without withholding tax.

Of course you can do that, but then you will have a lower overall performance in your investment

compared to ETFs without a dividend focus. And of course, these numbers all fluctuate,

so this is just a theoretical numbers game for guidance.

So let's take a look at the ranking based on overall performance.

Here the SPDR S&P US Dividend Aristocrats ETF is ahead with 14.88%. It was followed by the Vanguard

FTSE All World ETF, without a focus on dividends, with 12.72%. The winner from just now, the iShares STOXX

ETF is in 3rd place. In 4th place is the MSCI World ETF, but beware, this is the

ETF with the longest history. After all, the ETF has been around since 2005 and thus encompasses

the financial crisis. After all, the index behind the ETF has been around since 1978 and has averaged

more than 11% returns per year, going back to 1978. The ETF actually

deserves a better place, but in this comparison we only look at the ETFs,

not the indices. The FTSE All World High Dividend Yield ETF brings up the rear.

If we now invest our money in the SPDR S&P US

Dividend Aristocrats ETF instead of the iShares STOXX ETF, we would need shares of €32,962.96 in this ETF in

order to receive the €801 tax-free with a distribution yield of 2.43%. That is of course

much more. The question arises: Would it therefore be better

to invest in the iShares STOXX Global Select Dividend ETF? Because that way I can dust off the allowance much faster.

My personal opinion on this: Forget that thought. You have to keep in mind

that the €801, if taxed, would result in taxes of around €200.

This means that what you achieve by exhausting your annual allowance

will bring you almost EUR 2,000 in 10 years without taking into account any increase in value. In the future, with

an exemption, it will even be €250 per year, i.e. €2500 over 10 years. Of course you shouldn't

let that go. But look at the graphic below. At the beginning of year 1, we

invested €40,000 in each

of these ETFs, i.e. in the Dividend Aristocrat ETF, in the STOXX Global Dividend ETF and in the FTSE All World ETF. If the payout ratio stays the same, we can easily cover the

exempt amount with each ETF. After 10 years, the SPDR Dividend Aristocrats ETF,

assuming it can continue the phenomenal performance of almost 15% per year, will

reach €140,000. The significantly broader and therefore lower-risk Vanguard FTSE All World ETF,

without any dividend focus, comes to €120,000. The super distributing

iShares STOXX Global Dividend ETF is well under €100,000. The €200 a year

saved in taxes is a drop in the bucket here. From my point of view, the overall performance

is essential . Of course it's nice to cover the 801€ as much as possible,

we don't have anything to give away. But a broadly diversified world ETF,

with a 2-3% distribution yield, is completely sufficient. The Dividend Aristocrat ETF may have performed

well in recent years, but I consider it to be

much more vulnerable in times of crisis due to the 100% US focus and the very small number of stocks.

Now you say: Yes, but I don't even have €30,000-40,000 to invest, so I ca

n't make full use of the allowance. That's not entirely correct either. If you sell any stock

from your portfolio at a profit, or any ETF, then that profit

also counts toward the exemption order. So instead of hitting the flat rate of €801

with dividend payments, which is of course very convenient, you could

just sell a stock at a profit and buy it again the next day or the same day. If

the profit is €801, you have used the whole savings allowance for the year.

You don't need any distributing ETFs or dividend ETFs for this. The tax-free amount argument

does not apply to me in connection with dividend ETFs, even if it is of course a

very convenient method and you should of course use the tax-free amount every year, but you

shouldn't base your entire investment strategy on it, that's my purely personal opinion.

Other arguments in favor of dividend ETFs are: I want to have large monthly distributions in

order to then consume them, I want to make a living from them. I can understand the argument.

Personally, I would still not bet on an ETF with a 4-5% payout yield,

which may have a very weak overall performance. Why? Because

I'm personally relatively young in my late 20s and as this chart illustrates here,

overall performance including price growth is very important to build wealth over the long term

. So in my life phase I am in the savings phase in order to

build up assets. The prerequisite for being able to live off the dividends and payouts later on

is the largest possible capital. Since the US Dividend Aristocrats ETF

has performed even better over the past 10 years than the FTSE All World and

MSCI World ETFs, many of you may be inclined to put the 100 Dividend Aristocrats in your

portfolio. You can do that. But here is the chart of the MSCI World Index since

1978. Here it becomes clear that the market has made a good run up

for about 10 years. If you look at the chart like this, the first thing you think is: Oh, that

almost looks like the Bitcoin chart, so enormously as the prices have risen. That means

the last 10 years of history have been exclusively bullish in the entire world market,

so there was a huge upward trend. Therefore, the great performance of the US Dividend Aristocrats over

the last 10 years unfortunately has only very little significance. Personally, I would therefore

always form the core of my investment with an ETF that is as broadly diversified as possible, even if I want to take distributions with me

, in order to reduce my risks. They are enormously high for a

US ETF with only 100 stocks. If I were already

in my 60s or maybe even 50s with a well-filled portfolio, I would then also

bet more on distributing ETFs. I would still focus on a distributing world ETF without

dividends. As you can see: I have my own opinion on the subject, but also

my personal life situation. It is important that you make the right assessment for yourself

, taking into account how old you are, how much money you can invest or save, what

your time horizon is, how willing you are to take risks and what your goal is when investing. I

hope you enjoyed the video. By the way, the channel members can vote on

which stock analysis I should do next week. Until then, stay healthy!