Am I sacrificing too much total return for yield?
An income question asks what a portfolio pays out: dividends, interest and distributions. The answer looks at what was actually received over a period, and at the yield that implies against what the positions cost or are worth now.
Worked through on a sample portfolio. The figures below are that portfolio’s, not yours.
Here are the headline figures you can use to judge the trade-off between return and yield for your portfolio.
| Metric | Value |
|---|---|
| Portfolio value | 90.989,80 € |
| Total invested (capital) | 63.990,15 € |
| All‑time total return (time‑weighted) | +45,97% |
| Money‑weighted return (IRR) | +11,25% |
| Dividend income (last 12 months) | 330,00 € |
| Dividend yield on current value (last 12 months) | 0,36% |
| Dividend yield on cost (last 12 months) | 0,47% |
| Cash allocation | 6,06% |
| ETF allocation | 31,21% |
| Stock allocation | 49,09% |
What this shows
- Your portfolio has generated a strong long‑term return: +45,97% (TWR) since inception and +11,25% (IRR) on money invested.
- Dividend income over the last 12 months is 330,00 €, which is a yield of 0,36% on current value (0,47% on cost). That is a low cash yield relative to typical income portfolios.
- You hold 31,21% in ETFs and 49,09% in stocks; cash is 6,06%. ETF and stock weights indicate growth orientation rather than high income focus.
If you want, I can show a comparison table of yield vs. return by asset class or run a what‑if that applies a higher portfolio yield assumption and shows the hypothetical income and return trade-off.
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Related questions
See this for your own portfolio
The assistant answers the same question about your own holdings, with your figures and today’s prices. Import from your broker, or open the demo portfolio and ask it there.