Hello dear community,

With a slight delay, I would like to present my portfolio to you on my second anniversary as an investor. I know it's not much, but it's a big milestone for me personally.

I come from a family with little money and little understanding of wealth accumulation. The rule here was if you work and save for a long time, you'll be able to afford something at some point. My parents are divorced, the house was foreclosed on - so any inheritance is gone too. So I came from virtually nothing and also started with 0.

& that's not bad either!

It gave me the motivation I needed to make more of myself and my money. Financial education is never a mistake.

In addition to my portfolio, which I built up, I also had to build up a nest egg because I didn't have one (currently: 10k).

After a lot of mistakes, unnecessary purchases, losses when selling, impatience and too little foresight - I have now arrived at my strategy, which is quite justifiable for me. I have been inspired by some of the portfolios here.

I follow a dividend strategy with ETFs (yes, I am aware that the accumulating variant is probably better), but it's just nice for the head when you see that you get something back for your money.

The strategy is as follows:

$VWRL (-0.46%) 60%

$FGEQ (-0.23%) 15%

$TDIV (+0.24%) 15%

$IGLN (+0.81%) 10%

The split is not quite there yet, but I'm working towards it. The $TDIV (+0.24%) is great because of its country breakdown, as it reduces the USA share while increasing the EU share. $IGLN (+0.81%) will definitely be increased to 10% to balance out possible fluctuations and bring more calm.

My only problem child is the $FGEQ (-0.23%) which is unfortunately not performing as well as I would like. Maybe someone from the community has a good alternative for this. :)

Thanks for reading and thanks for the daily great contributions of this community to give people free access to financial education, news and community.

Stay clean and have a great weekend.

Flowiii

...after everything here is full of Novo and I really hit the jackpot at the ATH (buy price around 115€...), I have a new entry in the pharma / medical sector :)

My investment strategy is generally "long" and the savings plans have also been adjusted:

• $VWRL (-0.46%) 300€ p.M.
• $BTC (-0.34%) 100€ p.m.
• $1810 (-0.12%) 150€ p.m.
• $489 (-3.21%) 50€ p.m.
• $DFEN (-1.98%) 150€ p.m.
• $1211 (-0.29%) 150€ p.m.
• $175 (+3.69%) 50€ p.m.
• $RTX (-0.22%) 50€ p.m.
• $RKLB (-6.6%) 50€ p.m.
• $ASML (-0.35%) 100€ p.m.
• $SHL (+0.39%) 480€ p.m.
• Gold 50€ p.m.

So total investment per month is 1680€ / savings rate per month.

Apart from that, I still hold around 5k in cash at the moment (watchlist is filled with Google and various other stocks).

I would be happy to receive feedback and wish you a nice weekend :)

LG

Hi community,

after I briefly tested the 10k in March, I hope it will now stop.

About me: am now 42 years old, two kids (10 & 5) and aim to build the portfolio on monthly dividends alongside my ETF savings plans. Target no. 1 should be €100 gross dividend/month.

I started investing about 4 years ago, traditionally with the MSCI World (50€/month). The savings rate was so low because I had focused my cash flow on special payments for the condominium.

Priority 1 was that my family could live in the apartment safely, no matter what happened. The last installment is due in September 2026😁👌🏼.

I then expanded the savings plans piece by piece to include other ETFs (I know there are overlaps, but so be it😁).

Since the beginning of the year, my savings rate has now been €650 and I've added a few dividend stocks. I'll keep doing this until the ETW is finished, then look at how the individual stocks have performed and adjust my strategy accordingly.

Stocks like $KO (-1.23%) & $O (+0.25%) will be saved with €50/month until I retire, alongside my ETFs.

From September 26 I want to start with "trades" and see if I can get a bit more return.

My children now have their own junior custody account and the first savings plan in $VWRL (-0.46%) was triggered on Friday😊😊.

Regards

Maverick

$VWRL (-0.46%) cannot currently be purchased from SC, nor can a new savings plan be set up?

Does anyone know why this is the case?

$IWDA (-0.27%) or $VWRL (-0.46%)

Motivation problems. After reaching 100k last year after 4.5 years of investing, I'm still stuck close to the limit due to the turbulence this year and have now jumped over it again.

However, I currently lack a new goal that I can work towards within a certain period of time.

Due to my move, I'm also already behind with my investment goals and have the feeling that I'm not getting anywhere despite the high savings rate...

After the somewhat more restless phase, I was undecided as to whether I should run my savings plans on a monthly or weekly basis. The only option that was out of the question for me was to suspend. In the end, I stuck with monthly deposits. And how do you handle this?

Many investors ask themselves how they can best utilize dividends, especially when the ETF $VWRL (-0.46%) is in the red. A clever strategy: use dividends to invest anti-cyclically.

Instead of stubbornly reinvesting everything, you could do as I did, for example:

• "If my ETF is below the entry price, I'll buy more of the ETF."
• "If the ETF is up, I'll invest the dividends in a more promising asset like Bitcoin $BTC (-0.34%)."

In this way, you strengthen the cost-average effect in the ETF and give your dividends an extra chance of growth when market sentiment is strong, without immediately becoming too speculative.

Discipline beats timing - but with a well thought-out rule, you can combine the two.

How do you handle your dividends - do you reinvest them in the traditional way or do you also use them strategically?

Easter greetings from your Lord Vader!

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