Rearranging my portfolio cost me about 7,000 euros in taxes 😭. I hope it was worth it.

Hello, everyone.

When the AI hype really took off in May and my portfolio was up by an unbelievable amount, greed set in.

I didn’t even think about selling, because things were going so well. It was kind of a “sky’s the limit” kind of mindset.

Well, I was wrong. By early to mid-June, all those profits (just under €6,000) were suddenly gone, and last week my portfolio was even down a few hundred euros. So, a complete 180-degree turnaround.

I swore to myself that something like that would never happen to me again, so I started using stop-loss orders more aggressively.

No sooner said than done.

When the market bottomed out a good two weeks ago, I bought:

$MU (-0.14%) and $MRVL (+3.84%)

Today I sold:

$MU (-0.14%) with a profit of 34.11%

$MRVL (+3.84%) with a profit of 20.08%

$RKLB (+1.49%) with a loss of 9.21%

I’m not too upset about the loss on RocketLab, since 80% of the capital invested consisted of profits I had previously made on the stock, and secondly, the loss also serves as a good tax offset for the other two stocks.

I think I’ll get back into this at the end of the year in light of the Neutron launch, in the hope that it will be successful.

The positions were reallocated to:

$IUIT (+1.33%) and $IWVL (+0.92%)

As I said: Complete profit protection.

If the opportunity arises again, I’ll of course reallocate to individual stocks. Until then, $IREN (+0.64%) this is my only stock position in my portfolio.

At the end of the month, my bank membership bonus of €4,800 will be paid out.

€4,000 of that will go into my third ETF $XEMD (+1.38%)

What do you think of all this?

Best regards,

Don

I've been reading here for a while and thought it was time to introduce our depot.

We are a small family with a 1.5 year old daughter and are not investing to get rich quick or to beat the market.

Our goal is to build up assets over many years and have more financial freedom later on.

Our portfolio currently stands at around 233.000 €.

The largest component is clearly the $VWRL (+0.91%) . The perfect foundation for us: invested worldwide, simple and uncomplicated.

In recent months, we have also started to increase our share of emerging markets in a targeted manner.

That is why we are currently $XEMD (+1.38%) with a high savings rate.

Our real EM share is currently only around 10-11 %, and in the long term we would like to be closer to 20 %.

We also recently sold our entire BlackRock position. Not because we have anything against the company - on the contrary. BlackRock is still included via our ETFs anyway. Our aim was to reduce the weighting in the financial sector, reduce the strong US bias somewhat and deploy the capital where we currently see more potential for our portfolio: in the emerging markets.

Our current savings plans:

🌍 $VWRL (+0.91%) : 750 €

🌏 $XEMD (+1.38%) : 750 €

👧 $VWRL (+0.91%) : 130 € (children's deposit)

In addition, all dividends are currently also flowing into emerging markets.

Our plan is actually pretty boring:

➡️ Invest month by month

➡️ Reinvest dividends

➡️ Give compound interest time

Let's see where we are in 10 or 20 years' time. I look forward to exchanging ideas with you and am eager to hear your opinions on our strategy. 🍀📈

Best wishes from the @FinanzPapa family

We sold our entire BlackRock position - with a profit of just under 💰 +€3,500.

Not out of fear.

Not because of panic.

But because of strategy.

The entire capital flowed directly into our EM ETF🌏: $XEMD (+1.38%)

Why?

Because BlackRock was already massively represented via our ETFs and we deliberately

📉 reduce the US weighting

📉 defuse the financial sector somewhat

📈 to build up emerging markets more strongly in the long term.

Despite our large portfolio, our real EM allocation is currently only around 10-11%.

In the long term, we want to move towards 20 %.

In concrete terms that means:

🌏 more global balance

🌏 more future markets

🌏 broader diversification

BlackRock will nevertheless remain indirectly in the portfolio via our ETFs 😄

Only much more sensibly weighted.

Sometimes asset accumulation doesn't just mean "holding".

It means strategically realigning capital. 🔥

Some of you may have noticed:

I was hardly active on getquin for a long time. There was no particular external reason for this; it was more of a conscious step back.

At that time, my portfolio was completely high risk oriented. Lots of bets, lots of hope, lots of emotion. In the meantime, I was also really clearly in the red 📉. Those weren't nice phases and, to be honest, I was more mentally preoccupied than I wanted to admit.

So I withdrew.

Not out of frustration, but to reflect.

✅ Less noise, more conviction

For several weeks, months in fact, I thought hard about my strategy:

• Which risk really suits me?
• Which companies do I believe in for the long term, even if things don't go well for a while?
• How do I create a portfolio that not only has return potential, but also brings mental calm?

The consequence of this:

Today, my portfolio is more clearly structured, broader-based and significantly less risky. Without completely foregoing opportunities.

Yes, Rocket Lab ($RKLB (+1.49%) ) and Iris Energy ($IREN (+0.64%) ) are still high-risk investments 🚀. I am fully aware of that.

The difference to before:

I no longer hold them out of greed, but out of genuine conviction in the companies and their future.

ETFs as a foundation

However, the most important change came with the foundation of my portfolio: ETFs.

I deliberately opted for a consistent savings plan to bring me long-term stability and growth:

• iShares Core MSCI World ($IWDA (+0.99%) ) - 900 € per month
• MSCI World Small Cap ($WSML (+0.43%) ) - 300 € per month
• Xtrackers MSCI Emerging Markets ($XEMD (+1.38%) ) - € 387.50 per month
• Global X Copper Miners ETF ($COPX (+0.33%) ) - € 412.50 per month

This mix feels just right for me at the moment:

global, diversified, future-oriented and yet calm enough not to get emotionally involved in every market movement.

🛌 Performance is coming - sleep is more important

My portfolio is currently performing very, very well.

Of course I hope it stays that way for the time being, but that's no longer the main point.

The biggest difference compared to before is something else:

👉 I can sleep well again.

No constant checking, no panic on red days, no extreme hoping for the next hype.

Instead: Trust in my structure and my decisions.

Lg

Don

Nevertheless, I have decided to minimize the risk in my portfolio for the first time.

What did I do?

Stocks that I am not (or no longer!) 100% convinced of were removed from the portfolio and shifted into ETFs.

Thank goodness with a manageable loss.

ETF share increased and higher monthly savings, because I'm now an apprentice and earn more.

Savings as follows:

$COPX (+0.33%) is saved with 600€

$IWDA (+0.99%) with 400€

$XEMD (+1.38%) with 250€

250€ overnight money

In 3 months, my Volksbank membership in the amount of € 4800 will be terminated. This will then be used to buy shares again.

Until then, my securities account will remain: $IREN (+0.64%) , $RKLB (+1.49%) , $QBTS (+0.83%)

So: more safety, lower risk= better sleep, less headache

This was my last savings plan execution for$HMWO (+0.88%) and $HMEF (+1.34%) (not in the picture). The two positions together have reached the size of my $VWRL (+0.91%)-position and are therefore full.

In February, the first savings plan execution of $XDWL (+1.02%) and $XEMD (+1.38%). This will then take place once a month instead of twice a month.

The two smaller savings plans on $WHCS (+0.01%) and $WITS (+1.32%) will continue to run, but will also be changed from 2x per month to 1x per month (amount remains identical).

Why I am using several All World ETF / World + EM. Combinations, you can read here:

https://getqu.in/5DvtL7/

I am currently planning to specifically expand my portfolio to include emerging markets - not out of short-term actionism, but with a clear long-term plan.

A large part of global growth is taking place outside the developed markets. Over 80% of the world's population lives in emerging markets, where new middle classes, rising consumption and long-term growth drivers are emerging. If you want to invest globally, you should not ignore this part of the world.

I am already indirectly invested in emerging markets via my FTSE All-World (VWRL) with around 10-11%. This share is automatically generated by market capitalization, but is too low for me in the long term.

I do not see the weak performance of recent years as a warning signal, but as an opportunity. Valuations are moderate, expectations are low - a good environment for long-term investors.

I will build up my EM share in stages, both through one-off investments and a monthly savings plan, with the aim of achieving around 20% emerging markets in my portfolio in the long term.

To achieve this, I am relying on a broad, distributing MSCI Emerging Markets ETF: cost-effective, physically replicated and without country or theme bets. $XEMD (+1.38%)

Emerging markets are volatile - but in the long term they are an indispensable building block of genuine global diversification.

Hi, I'm 23 years old and this is my portfolio at the moment. I make the following monthly savings plans:

$MEUD (+0.7%) 125€

$XEMD (+1.38%) 50€

$TSWE (+0.84%) 100€

$XDWD (+0.86%) 175€

I have now considered whether I should add 2-3 shares to the portfolio. But I'm not quite sure which ones and would like to know your opinion.