Either $ISPA (-0.83%) or $LDGL? (-0.74%)

Hi everyone,

I've made a recent change to my portfolio. After a long period and some pretty solid performance, I've $ISPA (-0.83%) and decided to set up a third savings plan in the new Vanguard ETF $VALU (-0.06%) .

Personally, I think this ETF is really great because it invests in over 7,000 securities and is the only global ETF that also includes small-cap stocks.

I find the idea behind it very exciting and just wanted to be part of it from the very beginning. The current trading volume, even after such a short time, already shows a lot of interest to me.

I feel my portfolio is solidly structured with these three ETF positions, and I’m currently contributing 800–1,000 EUR per month to all three.

As for individual stocks, I’ll be adding a healthcare stock in the future. Then it’ll feel reasonably complete to me. At least that’s what the AI and my gut feeling tell me :-)

What do you think of the new ALL Cap ETF?

I remain convinced of my bottleneck thesis regarding Next-Gen Technologies (NGT). The expansion of AI infrastructure is encountering real bottlenecks in memory, photonics, power supply, cooling, packaging, materials, and other areas.

As far as I’m concerned, nothing fundamental has changed about this technological thesis. What has changed is the environment in which it must unfold.

The massive expansion of AI infrastructure requires enormous amounts of capital. Hyperscalers and other companies are financing ever-larger investment programs and are thus competing for funds in the capital market.

At the same time, the U.S. government also requires ever more capital. High and still-rising government debt thus collides with an additional, enormous need for financing in the private sector.

This can create a vicious cycle: High demand for capital can keep yields on the bond market high or drive them even higher. This makes financing more expensive—for the government as well as for companies. And the higher the discount rate, the less corporate profits that lie far in the future are worth today. Growth stocks, in particular, are sensitive to this.

Added to this is inflation. If inflation persists or rises again due to high government spending, tariffs, or other policy measures, the central bank’s leeway to lower interest rates is reduced. In the worst-case scenario, higher key interest rates .

The interesting thing about this is that: The AI narrative can remain fundamentally intact, and yet AI stocks can still come under pressure. Not because AI doesn’t work. Or because there’s a lack of demand. Or because supply bottlenecks are disappearing.

But because capital is becoming more expensive, investments are harder to finance, and future profits are being valued at lower levels.

And then there’s a second risk factor that I hadn’t fully accounted for: the economic and geopolitical policies of the U.S. government.

Tariffsthat are imposed, modified, or rescinded on short notice. Personnel decisions at the central bank and government agencies that call political independence into question. A Foreign policythat unsettles allies and turns supply chains into bargaining chips. To me, this is no longer just the usual political uncertainty that’s always been around. This is unpredictable and risky behavior with a direct impact on the cost of capital, supply chains, and predictability—and I have absolutely no influence over it.

This brings me to Aschenbrenner. His Situational Awarenessfund has also run into trouble because he bet on his AI thesis using leverage. A risk he chose and created himself.

My risk is different. I don’t use leverage. But I’m sitting on a position in NGT that’s relatively large by my standards in a market whose valuation framework is partly determined by a government that I can neither elect nor control nor reliably assess. This isn’t a bad decision that I can correct: it’s powerlessness, that I have to deal with.

For my overall private portfolio , this means I won’t be increasing my NGT exposure any further for the time being. New capital is now flowing more heavily into defensive and diversifying investments (e.g., iShares STOXX Global Select Dividend 100 $ISPA (-0.83%)). I am also reducing some of my weaker or riskier NGT positions slightly.

This is not the end of my NGT strategy, and certainly not the end of my AI thesis. It is risk management against a risk that I cannot simply ignore just because I don’t like it.

For my ScaleLimits wikifolios , nothing about the fundamental strategy is changing. The bottleneck thesis remains intact, and I will continue to actively manage the portfolios according to my NGT methodology, including rebalancing, cluster maintenance, and position selection. A “retreat” would be the opposite of active management. That is precisely why I remain committed and am closely monitoring the environment instead of simply waiting it out.

Because for me, the following still holds true: You don’t have to abandon a good investment thesis just because market conditions have worsened. But you also shouldn’t pretend that the risk hasn’t changed. And you should honestly identify where that risk comes from.

Does this worry you, too?

#dibs
#scalelimits
#wikifolio

Hello, I’ve sold my next property. I’d like to invest the profit as follows:

$TSWE (-0.49%) 36k,

$VHYL (-0.55%) 36K,

$ISPA (-0.83%) 36K,

$JEPQ (+0.71%) 36K,

$TDIV (-1.01%) 36K,

$LDGL (-0.74%) 30k

I'm also considering

$BHP (-0.57%) 20K,

$RIO (-1.13%) 20K, and

$O (-0.9%) 20K

$BRK.B (+0.01%) 30K

or directly in $BRK.B (+0.01%) 90k, since commodity stocks are trading a bit high for me right now! This position is like a high-risk money market account for me, which should be reallocated countercyclically.

My goal is to combine further dividend growth with modest portfolio growth. I no longer need high performers myself. I can still work for another 25 years, health permitting, and perform at a high level myself.

For me personally, individual stocks belong in my portfolio. Like the icing on the cake.

However, I will continue to focus on expanding my ETF positions through future asset reallocations.

In three years, my last major property in Germany will likely be sold. By then, the portfolio should be structured to enable my children to live a free, independent life anywhere on the globe.

What do you think? Would you change anything about the ETF positions? Wait on commodities too? Or put everything into SpaceX?

Thanks for the feedback.

Three ETFs. Twelve months. Not a month without a distribution.

Dividends feel different from price increases. A price gain is paper. A distribution is money in the account. This is not a discussion about optimization, this is psychology.

The trio:

🟢 Vanguard FTSE All-World Dist. (A1JX52) 3,600+ stocks, developed and emerging markets, ~1.26% div yield, TER 0.19% Distribution: March / June / September / December

🟡 Fidelity Global Quality Income (A2DL7E) Quality focus on industrialized countries, ~1.71% div yield, TER 0.40% Distribution: February / May / August / November

🔴 iShares STOXX Global Select Dividend 100 (A0F5UH) 100 top dividend payers from Europe, North America and Asia-Pacific, ~3.83% div yield, TER 0.46% Distribution: January / April / July / October

Together: 12 out of 12 months.

The milestones (net after German taxes, Ø 1.85% net dividend yield):

📱 Digital lifestyle Netflix/Internet/mobile phone

80€/mo: 52,000€

Depot → €500/mo: 6.7 years | €1,000/mo: 3.8 years

☕ Daily coffee

120€/mo: 78,000€

Deposit → €500/mo: 9.0 years | €1,000/mo: 5.3 years

🚗 Mobility leasing and insurance

350€/mo: 227.000€

Depot → €500/mo: 17.6 years | €1,000/mo: 11.7 years

🏠 Warm rent

1,000€/mo: 649,000€

Deposit → €500/mo: 28.7 years | €1,000/mo: 21.2 years

🎯 Financial freedom

€2,500/mo: €1.62 million deposit → €500/mo: 39.5 years | €1,000/mo: 31.2 years

An important note that many people forget:

Dividends are not free money. On the ex-dividend date, the share price is reduced by exactly the amount distributed. The money is transferred from the securities account value to the account, not added to it. If you don't know this, you might wonder why your securities account falls slightly on the distribution date.

Honest classification:

This strategy is optimized for monthly cash flow and motivation, not maximum final return. An accumulating MSCI World benefits from tax deferral and almost always outperforms in the long term. But if you need the monthly confirmation in your account to keep going, you are doing absolutely everything right here. Discipline beats optimization.

PS: Why these three ETFs?

Yes, there are dividend ETFs with 4, 5 or 6% distribution yields. Yes, there are individual stocks that pay 8% or more. That's not the point of this post.

This trio was chosen because it does three things at once: pay out every month, be broadly diversified and not take extreme cluster risks. If you want higher yields, you take more concentrated stocks and bear more risk. Both are legitimate, both are a conscious decision. The aim here was to provide an example that works for as many people as possible as a starting point.

The TER correction:

The TER of the Vanguard FTSE All-World Dist. (A1JX52) is correctly 0.19% p.a., not 0.22% as stated in the chart. My mistake, thanks to anyone who reports it. The average of the trio thus drops minimally to approx. 0.35% TER. Nothing significant changes in the milestone calculations.

Sources: Parqet, DivvyDiary, justETF, extraETF (as of May 2026). Taxes: 30% partial exemption, 26.375% capital gains tax. No investment advice.

What is your next milestone? 👇

$VWRL (-0.07%)
$FGEQ (-0.06%)
$ISPA (-0.83%)

#getquin
#dividenden
#etf
#passiveseinkommen
#finanziellefreiheit
#investieren
#finanzen
#börse
#ausschüttend
#msciworld

The dip dribbled out perfectly! With bonus and tax refund, it's now cash flow season. 📈⚽

April showed that consistency is not a fair-weather project. While I was standing in thick fog in Saxon Switzerland and couldn't see the valley from the top of the rocks because of the fog, the depots reflected the turnaround in performance for the better. As soon as the sun broke through, the gray gave way to a lush green.

After a turbulent March, I seized the opportunity when my employer paid out my half-year bonus. I hit the low point very well and dribbled out. Broadcom did exactly what it usually does with my shares: be the engine of growth. The road to freedom is a hike through all kinds of weather. Sometimes the wind whips up, sometimes you enjoy the sunset at Leipziger Völki.

The key is to stubbornly continue investing. Intel is the best example. Anyone who wrote off the share too early missed the turnaround. Unfortunately, I was never invested in Intel. In any case, I don't know the future in five years' time, but I am securing my cash flow today. Time for a look back.

DISCLAIMER/RISK WARNING

Please remember that this article is for entertainment purposes only. At no point is it a buy or sell recommendation or professional legal, tax or investment advice. Don't just copy anything I do. I am merely describing what is happening in my portfolios, but in no way guarantee that it is up-to-date, correct or complete.

Investing in the capital market is always associated with risks such as loss of invested capital, price fluctuations, liquidation risks or market risks. In accordance with the current guidelines of ESMA and BaFin, I expressly point out that this review serves exclusively to document my personal investment strategy and does not constitute investment advice within the meaning of the WpIG. The securities presented by me are expressly not to be understood as investment advicebut are merely components of my personal portfolio at the time of reporting. Please also bear in mind that there is a conflict of interest, as I naturally hold the securities myself.

If necessary, seek professional advice and do your own research.

Overall performance

Intel shows it again. Just keep a broad base and stay tuned. Then your portfolios will turn out to be a rock in the surf.

My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): + 5.29 % (previous month: -4.60 %)
• TTWROR (since inception): +88,98 %
• IZF (month under review): +87.17 % (previous month: -42.46 %)
• IZF (since inception): +11,49 %
• Delta: + € 4,935.78
• Absolute change: € +6,139.12

Data shown as "since inception" is valid since 31.05.2020

Performance & volume

After the fog lifted in April, the true strength of my allocation became apparent. My top of the class $AVGO (+2.82%) not only leads the green portfolio, but is actually marching ahead. In my top 5 $WMT (+0.11%) and $GOOGL (+0.89%) The $BAC, a stable financial anchor, moved back into the top group. Also $FAST (+0.75%) underpins my strategy of solid industrial stocks with consistency.

The highlight is the run at $TGT (-1.08%) My staying power is paying off massively, the minus has shrunk to just 8%. This is clear proof that discipline pays off in phases of weakness. Target seems to be regaining confidence through improved inventory management.

There are downsides to the current "problem children" $NKE (-2.3%) , $GIS (-0.7%) and $$CPB (-2.38%) which are feeling the headwind. But as long as the dividends flow reliably, I remain relaxed. I invest for the stable cash flow that finances my freedom.

Largest individual share positions by volume in the overall portfolio:

Share (%) of total portfolio (and associated securities account):

$AVGO (+2.82%) 3.26 % (main share portfolio)

$WMT (+0.11%) 1.87 % (main share portfolio)

$GOOGL (+0.89%) 1.67 % (main share portfolio)

$FAST (+0.75%) 1.37 % (main share portfolio)

$BAC (-0.81%) 1.35 % (main share portfolio)

$FDX (-0.97%) 1.29 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio (and associated securities account):

$GIS (-0.7%) : 0.40 % (main share portfolio)

$NOVO B (-0.27%) 0.41 % (main share portfolio)

$NKE (-2.3%) 0.44 % (main share portfolio)

$CPB (-2.38%) 0.44 % (main share portfolio)

$DHR (-1%) 0.55 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) (and the respective portfolio):

$AVGO (+2.82%) : +380 % (main share portfolio)

$GOOGL (+0.89%) +149 % (main share portfolio)

$WMT (+0.11%) +118 % (main share portfolio)

$NFLX (-4.54%) +93 % (main share portfolio)

$OHI (-1.56%) : +82 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) (and the respective portfolio):

$NKE (-2.3%) : -50 % (main share portfolio)

$GIS (-0.7%) -47 % (main share portfolio)

$CPB (-2.38%) : -43 % (main share portfolio)

$NOVO B (-0.27%) -32 % (main share portfolio)

$DHR (-1%) -27 % (main share portfolio)

Sector allocation of my individual stocks

My top 6 sectors are:

Consumer goods: 16.47% (previous month: 17.62%)

Miscellaneous: 16.40 % (previous month: 16.60 %)

Technology: 14.18 % [excluding information technology] (previous month: 12.07 %)

Financial sector: 11.55% (previous month: 11.39%)

Transportation: 9.57% (previous month: 9.13%)

Trade: 7.59% (previous month: 7.50%)

Asset allocation

Equities and ETFs currently determine my asset allocation, with ETFs growing steadily in recent months, which may be due to additional purchases.

ETFs: 42.8 % (previous month: 42.3 %)

Equities: 57.2 % (previous month: 57.7 %)

Investments and additional purchases

I have invested the following amounts in savings plans:

Planned savings plan amount from the fixed net salary: € 1,070

Savings ratio of savings plans to fixed net salary: 50.20

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: € 1,190

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

Repurchases/one-off savings plans as cashback annuities from refunds: € 85.00

Subsequent purchases/one-off savings plans as a cashback annuity from bonuses: € 774.97

Subsequent purchases from other surpluses: € 75.00

Automatically reinvested dividends by the broker: € 3.99 (Function is only activated for an old custody account, as I otherwise prefer to manage the reinvestment myself)

Number of unscheduled additional purchases: 7

Passive income from dividends and ETF distributions

Passive income in the month under review

I received € 192.02 in distributions in the month under review (€ 152.82 in the same month of the previous year). This corresponds to a change of +25.65 % compared to the same month last year. The growth can be explained to a small extent by the new positions in the crypto successor portfolio, the majority comes from continuous investing through savings plans, reinvestment of dividends and other surplus funds.

Number of dividend payments and ETF distributions: 33

Number of payment days: 13 days

Average dividend per payment: € 5.82

average dividend per payday: € 14.77

Passive income YTD

YTD I have received dividends in the amount of € 450.34. If you put this in relation to my annual dividend target of € 2,100, the target achievement of the distribution is 21.44% (target 25.00%). This puts me just below the target, but this will be reversed in the coming months with high dividend payments.

The three calculation methods result in the following distribution yields:

YTD distribution yields: 0.70%

Distribution yields since inception: 4.87 %

Distribution yields YoY: 2.25 %

The slightly falling distribution yield since inception and YoY shows the underpinning price increase. At 0.7% YTD, it shows that my asset accumulation is still comparatively a young project.

The distribution yield fell by 0.87% YoY, while the relative fluctuation was 21.88%. This shows that the distributions are constant, but still fluctuate quite strongly.

My top payers

The top 6 payers in the month under review were:

$VWRL (-0.07%)

$VHYL (-0.55%)

$ISPA (-0.83%)

$HSBA (-0.89%)

$VUSA (+0.25%)

$GSK (-2.09%)

FIRE Number & Runway

Even though I don't want to sell shares later, I also calculate my FIRE number for comparability with investors who run an exclusively accumulating strategy.

My FIRE figure based on my 12-month spending (TTM) of €12,156.86 was €303,921.50 (previous month: €305,512.00).

This is the minimum volume my portfolio would need to reach in order to theoretically cover the expenses via a 4% withdrawal. And this figure has fallen slightly.

Of course, this figure fluctuates every month. But it's not the only metric to determine how long my assets could support me in an emergency (without taking taxes into account).

The rolling spending range (runway) expresses how long I could live off my assets.

On an annual basis, this is currently 7.92 years (previous month 7.41 years) or the equivalent of around 94.98 months (previous month: 88.86 months). Compared to the previous month, it is 0.51 years increased.

So I am effectively about half a year more "free", due to the recovery from the current global political events.

Compared to the same month last year, this is an increase of 2.80 years is available. I am still 17.08 years away from my runway target (25 years), which corresponds to the FIRE multiplier. 17.08 years away. So there is still a long way to go to financial freedom, assuming that everything continues as before.

The runway stability of 97.46% indicates that my system is in a solid position despite the market turbulence. Although the price fluctuations have advanced my theoretical range by a minimal 0.51 years, the high stability ratio proves that the core of my strategy remains unaffected.

Performance comparison: portfolio vs. benchmarks

To see where I really stand, I regularly compare my portfolio with the major market ETFs. This allows me to see immediately how well my performance (TTWROR) has done in the current month and since the start compared to the overall market.

My portfolio: -4.60 % (since I started: +88.49 %)

$VWRL (-0.07%) -5.55 % (since my start: 62.19 %)

$VUSA (+0.25%) -4.05 % (since my start: 53.23 %)

$IMEU (-0.93%) -6.87 % (since I started: 74.05 %)

Data shown as "since I started" is considered to be since 31.05.2020

Key risk figures

Here are my key risk figures for the month under review:

Maximum drawdown:

Since inception: 17.17 %

Month under review: 0.67

Maximum drawdown duration:

since inception: 702 days

Reporting month: 7+ days

Volatility:

since inception: 28.66

Month under review: 2.64 %

Sharpe Ratio:

since inception: 0.41

in the month under review: 41.68

Semi-volatility:

since inception: 21.26

Month under review: 1.59

The maximum drawdown in April of just 0.67 % clearly shows that the dust has settled. While March was still characterized by a correction, the impact in April was minimal. The Sharpe ratio of an impressive 41.68 in the month under review underlines the excellent risk-adjusted performance in this recovery phase.

With a monthly volatility of 2.64% and a semi-volatility of 1.59%, the fluctuations remain far below the historical average of over 28%. This confirms once again that my system is stable. While the long-term key figures are barely moving, I am using the calm to further consolidate my foundations. The focus remains on cash flow, while the risks remain absolutely controlled.

Outlook

After the implementation month of April, I look back with deep satisfaction. The employer bonus and the tax refund have been a real turbo boost for the market. I am extremely grateful for the opportunity to be able to fully invest such sums in order to massively broaden my passive income base.

Privately, April was the calm after the storm. A balanced month, characterized by stability and little hustle and bustle. Like hiking in Saxon Switzerland, the fog has lifted and allowed me to focus on the essentials. This calm is also reflected in my sport. My workouts and running sessions are now so ingrained, it's as if they've been automated. Without much motivational debate, I stubbornly and steadily follow my program, allowing my strength and endurance to grow almost automatically. And the words "stubborn" and "steady" are an important basic rule for us investors that we have internalized for investing. So you can see that these words dominate many areas of life.

I conclude this review with a feeling of serenity. When the foundation is right and the habits are in place, the noise on the markets loses its terror. Those who know their course will not be swayed by the wind.

Thank you for reading. Here's to May continuing to be a constant merry month! ☀️

👉 My related Instagram Carousel posts for the review will be published as follows:

08.05.2026: Portfolio review (Key performance indicators, share performance, allocation, sectors, additional purchases and performance comparisons)

09.05.2026: Budget review (Income, expenditure, cash flow, ratios, budget compliance and citizen's income check)

10.05.2026: Cash flow review (general, YTD and actual vs. target comparison of passive income, my top spenders, FIRE figure and capital reach)

📲 There you can find @frugalfreisein on Instagram and YouTube with regular videos, shorts, reels and carousel posts.

Please pay close attention to the spelling of my alias. Unfortunately, there are too many fake and phishing accounts on social media. I have already been "copied" several times.

👉 How do you personally feel the stock market year has started? (No investment advice!)

Hello everyone,

Some time ago, at the beginning of the Iran war, I reorganized my portfolio to make it easier for myself overall.

I sold my individual stock positions with profits and have now switched my portfolio to an ETF structure. I simply want to build up assets for my family for the future without extreme risk and away from conventional call money/accounts. Dividends are not intended as income but rather as annual vacation money for the family to enjoy.

I am currently looking for additions to my ETF positions. Currently led by $XDWD (-0.36%) , $ISPA (-0.83%) , $LDGL (-0.74%) , $EIMI (+0.05%) , $D6RR (-0.81%) I am quite satisfied. All are saved with a total monthly savings plan of EUR 850.

The EM position will also be increased again with the next special payment and price correction in order to further increase the emerging markets.

Which ETFs would be useful to include in my portfolio? Do you have any ideas? I would like both accumulating and distributing.

I am currently thinking of small caps ?

Please do not include the business shares/ Uni Global positions, as these positions are VL and employer shares with 7% dividends.

Best regards

Dear gq community,

For some time now, the excessive weighting of the S&P500 in my portfolio has been a thorn in my side.

Now the time had come when I decided to sell 2/3 of the position and switch to the $ISPA (-0.83%) into the

I opted for this ETF because I wanted to increase my dividend position and at the same time reduce the weighting from 100% USA to 15% USA, which allowed me to increase the diversification in terms of the countries included.

Another reason for this decision was that I felt that the S&P500 was currently running quite hot.

What do you think of my decision?

Your bunny 🐰 André

First of all:

Thank you for the warm welcome to the getquin community!

Unfortunately, I did not read the HowTo:Portfolio feedback on GetQuin from @DonkeyInvestor

for a detailed presentation only later and this time I'm trying to write in more detail than the first time and to substantiate the decisions I made in order to possibly receive even more precise feedback from the community. 💛

My personal goal is to become completely debt-free and at the same time start steadily building up assets 📈to improve my private pension provision in 2026. I am expressly prepared to take a higher risk in the first year of my investment and am therefore trying out almost everything.

This year, I would like to operate according to the conscious principle of "set and forget" and consciously review my strategy at the end of 2026 between the holidays and adjust it if necessary.

Instead of "keep it simple", it's more likely to be "overenginerring."

I see your numerous tips as the reason for this, for which I would like to thank you again at

@Epi
@Gehebeltes-EFH
@Stullen-Portfolio

@Metis
@Wealth-Accelerator

@Multibagger
@Sunrise-Mantis
@EisenEnte

@PositivePossum
@schlimmschlimm

@Brazzo_Muc and @GoDividend

and my general motto in life:

"Anyone can do simple!"

I think at this point in time, investing with "putting everything into the AllWorld ETF" would only be half as much fun for me and would rather bore me. Everything is still so new and unknown. 🤯

I'll then see whether the different investments were generally a good thumbs 👍🏻 or a very bad thumbs down 👎🏻Idee.

The sum of € 5,071.00 that I have already firmly capped and gradually planned to invest in this first year 2026 has already been completely written off in my mind as play money.

For the necessary diversification (ETF, ETC, individual shares and crypto) in my portfolio, I have taken further INCENTIVES and have switched from the initial €100 per month savings plan to an accumulating AllWorld ETF and have set up an additional savings plan of €40 per month on the same AllWorld ETF in distributing form in mid-January 2026.

In the meantime, I came up with the idea at the end of January 2026 and added the two existing savings plans $VWCE (-0.33%) and $VWGL additional savings plans ($AIQG (-0.58%)
$RENW (-0.46%)
$IGLN (+0.66%)
$BTC (+0.72%)
$VHYL (-0.55%)
$ISPA (-0.83%)
$FGEU (+0.02%) to a total of 9 savings plans with a monthly sum of €300.

Unfortunately, it was already too late to execute the savings plans by direct debit at Trade Republic at the beginning of 02/2026. Therefore, they will now only be executed in the middle of this month.

Yesterday I spontaneously decided to place a €50 single order in bitcoin. I just let myself be carried away by the postings. 🤑

The planned unscheduled repayment (€500 per month) for my car loan has now worked well for two months and will be prioritized in order to actually become debt-free more quickly.

The specific amounts and items invested to date and in the future can be seen in this Excel table.

Regarding the 6 suggestions from you @Epi (Yes, you'll get the promised feedback here), I've given the following thoughts in detail, from which my plan is then based.

Deka funds:

The two savings plans of €50 per month each were already suspended by me and were actively used to service the first savings plan of €100 per month.

In addition, I am now liquidating the two sub-custody accounts belonging to the savings plans one by one and selling €100 per month in order to achieve the best possible average value in the sale.

The €100 is then immediately reallocated in the form of five savings plans per month and reinvested as follows:

Core: 65%

Satellites: 35%

of which:

Clean Energy 10%

AI: 10%

Bitcoin: 10%

ETC Gold: 5%

VWL:

I will keep the monthly €40 VWL on the third sub-deposit with Deka until I develop the motivation to inform my employer of another contract. At the moment I have no need to be in contact with the HR department any more than necessary.

Nevertheless, I have set up an additional savings plan of €40 per month for the All World ETF distributing from February 2026.

I'm keeping the three individual shares plus the Xiaomi bonus share in my portfolio to develop a feel for shares.

No further individual stocks are currently planned. This fits quite well in this respect, as I have to hold the bonus share for a year before it can be sold.

Bonus savings contract:

The premium savings contract with a term of 99 years under the "old law" has an annual investment of €150 per month at €12.50 with a guaranteed premium of 50% plus interest and compound interest. After checking the terms and conditions of the contract, switching to 0 would result in an immediate loss of the premium. For this reason, I have decided to keep the contract.

Saving & winning without savings:

Just as I was about to decide whether to cancel the savings tickets, one of the tickets won €1,000 in January 2026. For this reason, I decided to keep my 10 tickets after all.

A key point of my savings lottery tickets is that I get €480 of the €600 back at the end of the year.

These will also be distributed by me to the 5 selected savings plans in December in the same weighting as for the reallocation from the Deka Depot.

The profit from the savings lots in the amount of €1,000 goes to$XEON (+0.01%) for "max. interest".

Nest egg:

My real nest egg, on the other hand, I keep completely in the call money account so that it is always immediately available to me.

To give me a feel for dividends, I've also picked out three dividend ETFs that I invest €20 a month in.

In combination, these three ETFs ensure that I receive a planned dividend every month. That sounds like a lot of dopamine, at least in theory, so I really like it.

What will actually still be there in 01/2027 from the €5,071 invested is already a 100% profit for me, because after I fell for the game "WOS" 🥶(who knows it?) almost a year ago and blew around 5k on digital crap in 3 months and above all to improve my stove 🔥🪵, this is clearly the better alternative to spend my money on dopamine boosts and pass the time. And being part of a community online at the same time. What more could you want?

So, I'm already looking forward to your feedback. Be honest, I can take it! 🤞🏻

VG

QW3RTY

PS: I could not share my portfolio. The function was grayed out.