2D·

Conversion of my depot from Q2 2025!!!

Thank you for your constructive tips, suggestions and criticism!!! 👍🏻👌🏻 (@Chucky075 , @DADlikesCRYPTO , @Aktienmasseur , @Meikl_22 , @Dividenden-Sammler , @Berliner_Weltenbummler , @Epi)

I sat down and picked my portfolio apart. I evaluated each stock & ETF. I took a close look at the performance and dividend yield of the individual stocks and rated them according to points. Based on this points plan, I selected 6 ETFs for the new portfolio.

From 22 ETF titles, only 6 ETFs remain. I have selected the following ETFs:

$HMWO (+0.54%)
EUR 460.00 from the savings rate (approx. 82.14%)
$AHYQ (+0.56%)
EUR 40.00 from the savings rate (approx. 7.14%)
$FUSD (+0.51%)
EUR 40.00 from the savings rate (approx. 7.14 %)
$EXH5 (+0.23%)
EUR 40.00 from the savings rate (approx. 7.14 %)
$XIEE (-0.06%)
EUR 40.00 of the savings installment (approx. 7.14 %)
$QYLE (+1.09%)
EUR 40.00 from the savings installment (approx. 7.14 %)

All shares remain in place and are saved through savings plans. Furthermore, I have decided to leave the remaining 16 ETFs in the portfolio, but not to save any more.

The allocation of the portfolio should consist of 70% ETFs and 30% individual shares. The savings installment is EUR 800.00 per month. EUR 240.00 will be invested in individual shares and EUR 560.00 in the above-mentioned ETFs.

What do you think?

Do you have any tips or ideas?

Of course, I hope I've found the right approach now. 🙈🙊

_ake_

@_ake_

3D·

I would appreciate some constructive help!

I have been investing myself since 2013 and started with individual shares and options (leverage products). In my youthful recklessness, I had to learn the hard way. Fortunately, I have been able to recoup my losses very well over the years.

For this reason, I have steered clear of options since 2014 and now only invest in individual shares and ETFs.

In 2023, I started to set up a portfolio for my retirement provision (see below). For this reason, I liquidated my old portfolio with good profits and reinvested them in the new portfolio.

The new portfolio is saved monthly in the amount of EUR 800.00 through savings plans. Some of you are probably wondering about the large position $PFLT (+0.47%). I have held this single share since the beginning and it offers a good cash flow with few price fluctuations.

I follow a dividend strategy myself, so I always have some liquid funds available and can allocate them better to the individual positions.

The position $PSEC (-0.71%) will not continue to be held after a dividend cut.

It's not the best portfolio. But so far I'm satisfied. Nevertheless, I would be very happy to receive help and tips from you. ☺️

Thank you already for your feedback!!! 👌🏻👍🏻

18 Comments

I find it difficult to judge. It's like a friend asking you whether his new car should have 2 or 4 doors. How would you know? You'll have to ask him what he intends to do with the car and what his expectations are.
So: what are you interested in? Max return? Min max drawdown? Min vola? What is your goal, what is your risk profile?

Without everything, I would always recommend the Epi portfolio: 60% world AG, 20% gold, 20% BTC. Above-average return with average risk. Unfortunately, your suggestions have neither. 🤷

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Marcel@xzxzx

You can save all the energy and work you put into it and invest it in meaningful areas of your life/life goals.

I can hardly imagine that you will outperform the MSCI World, let alone the Nasdaq, over the next 20 years. I wouldn't put myself through all that stress on the side.

In addition, I find the construct anything but promising (just my personal opinion) you have 3 "bad world" etfs that are almost all structured in the same way, which also have a very very low fund volume, i.e. the probability is much higher that these things will be closed at some point if they are simply not profitable and then what? Then you can completely restructure everything, the same applies to individual shares. Then the two Europe etfs with 35% Germany?

So I would go for a Nasdaq/S&P or Msci or Ftse if you like, or even 4-5 div. stocks from different regions and that's it. As an admixture maybe em market (I don't think much of it but if you think it makes sense) or crypto.

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Berliner W.@Berliner_Weltenbummler

I think the whole mix makes absolutely no sense. A single ETF is perfectly adequate. Either MSCI World or FTSE All World/ACWI. It depends on whether you want to include emerging markets. What exactly do you want to achieve with your selection? A lot simply doesn't help much. You have to rebalance regularly and the weightings have nothing to do with market capitalization. Probably not even GDP.

And dividends are not a free lunch.

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HansDampf@HansDampfderAktionaer

Why do I see so many positions here and no NVIDIA?!?!??

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