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3Loan repaid ✅️
Open consumer loan (car financing) with 6% interest and a remaining debt of 11k repaid.
Silver coins ordered ✅️
Decided to invest a small amount in commodities (coins).
Savings plans increased ✅️
Savings plans on the $VHYL (-4.8%)
$VUSA (-5.34%) and $EXH5 (-7.16%) increased.
Great feeling when things are going well financially 🎊
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:
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. 🙈🙊
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 (-8.48%). 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 (-7.1%) 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!!! 👌🏻👍🏻
Hello dear Gequin Community,
I am currently working on restructuring my portfolio. Historically, I currently have a few funds and a number of individual shares.
I would like to switch the funds to ETFs and continue to save in them.
Classically, I would now select the following ETFs:
$VWCE (-5.52%) / $VHYL (-4.8%) and $VFEG (-5.21%)
Now my little thought experiment: Why should I limit myself to three ETFS when I could spread the whole thing much more widely? I have also thought about something like this (with smaller sums, of course):
Of course I have a few duplications here, but I am much more differentiated.
Does this approach make sense in your eyes or is it a modest idea?
