I have been investing since 2023 and have sporadic savings plans from $IWDA, $AVGO and in a $VUAG. I reorganized my portfolio at the beginning of 2024 and unfortunately made the mistake of having savings plans in three actually identical ETFs (MSCI World, S&P 500 and a FTSE All-World). I sold the Vanguard FTSE All-World in December 2024 with a 10 percent profit and invested the money in a FTSE All-World High Dividend.

Over the course of 2024, I added several individual stocks such as Rheinmetall, DHL Group, Allianz, TUI, etc.

I also tried my hand at trading derivatives, but that went wrong and I want to say goodbye to the derivatives in my portfolio in the near future. I would like to sell several individual stocks, such as Geely Auto and TUI.

The following savings plans are currently running:

150 € $IWDA (-5.63%)

30€ $VHYL (-4.8%)

30€ $HEMC (-4.89%)

30€ $EXUS (-5.25%)

25€ Alphabet (A)

10€ Allianz, Broadcom, Siemens Energy, MasterCard, McDonalds, Altria, Realty Income, PepsiCo, NovoNordisk,

15€ Bitcoin

I am aware that I have very little experience and have made a lot of mistakes and am certainly not pursuing an optimal strategy at the moment. How do you rate my portfolio and do you have any suggestions for improvement?

Hello together,

I need an opinion from you in which ETF for emerging markets do you invest? I currently use because $HEMC (-4.89%) and I am not so happy with the performance.

Thanks for your tips and have a nice Sunday!

VG

Lars