What is the trade-off between dividend income and growth in my portfolio?

Here’s a concise comparison of dividend income vs growth for your portfolio, using your numbers.

| Metric | Dividend income | Growth (price gains) | | --- | --- | | Source | Dividends paid by holdings (cash receipts) | Unrealized gains in holdings (market value increase) | | Last payment (period) | 330,00 € (one payment on 13/05/2026) | — | | Last 12 months income | 330,00 € | — | | Yield on current value | 0,36% (last 12 months) | — | | Amount invested that produced dividends | Refer to holdings that pay dividends (100% of dividend came from Deutsche Lufthansa AG) | All holdings (unrealized gains shown across positions) | | Headline gain shown in Floreo | — | +21.489,42 € (unrealized gain on market value) | | Your invested capital | — | 63.990,15 € | | Current portfolio value | — | 90.989,80 € | | How each contributes to cash vs wealth | Dividends add to cash balance when paid (in your data, total_invested stays separate); latest dividend +330,00 € increases cash if not spent. | Unrealized gains increase the market value of holdings (reflected in 85.479,57 €) but are not cash until realized. | | Typical trade-off for your portfolio today | You receive low current cash yield: +0,36% on holdings; that gives small, regular income. | You have substantially larger growth to date: +21.489,42 € and strong unrealized returns on major holdings (for example Apple Inc. and iShares Core MSCI World UCITS ETF). |

What this means for your numbers

• Dividend income is small: 330,00 € over the last 12 months (yield +0,36% on current value).
• Growth (unrealized gains) is the main source of return: +21.489,42 € (+33,58%) of growth sits in the portfolio value today.

Notes

• Dividend income increases cash when paid; unrealized gains increase portfolio value but are not cash until sold.
• Your allocation shows a large equity and ETF tilt (Stock 49,09%, ETF 31,21%), which typically produces lower yield and higher capital growth.