Because data centers, in particular, rely on a solid infrastructure, this position is being reestablished to complement $VWRL (+0.3%) and the $BCFP (+0.19%)

I reallocated capital from the $SPYD (+1.05%) has been reallocated.

In addition, I have switched the savings plan from $VWRL (+0.3%) to the Global All-Cap—effective starting in November.

Anyone who’s been following my posts probably already knows this. I want to gradually make my portfolio more crisis-resistant and position myself for FIRE in the medium term. That means: less risk and less volatility, and achieving financial independence in the long run... that’s the plan! 😊

My goal: To invest 2/3 of my portfolio in the Vanguard FTSE All-World ETF . This way, I’ll be focusing more on broad diversification rather than individual stocks in the future.

The first €16,000 has already been invested over the past few weeks, and the monthly savings plan of €500 has just been executed.

However, I still have a long way to go before I reach my goal. But Rome wasn’t built in a day either! 💪

I currently have India accounting for just under 4% of my total portfolio, both through targeted India ETFs $FLXI (+1.02%) , $INQP (+0.03%) as well as indirectly through my global ETFs $VWRL (+0.3%)
$VALLD (+0.45%) . For me, this is a long-term addition to my portfolio, not a central investment strategy.

The performance so far, however, has been rather sobering and has largely been flat. Nevertheless, I’m sticking to my long-term investment thesis.

India is one of the fastest-growing major economies. The World Bank expects economic growth of around 7.1% for the 2026/27 fiscal year. With nearly 1.5 billion people, a young population, increasing digitalization, and a growing middle class, I see enormous potential for the coming decades.

I also find it fascinating to see how major Indian corporations are positioning themselves internationally. Companies like Tata and Mahindra have long since moved beyond investing solely in their home market; they are acquiring established European companies and gaining global prominence.

However, there are also significant risks. India is heavily dependent on energy and commodity imports, the rupee is under pressure, and foreign investors have recently withdrawn capital. In addition, despite the recent price correction, Indian stocks, with a P/E ratio of around 22, remain significantly more highly valued than those in many other emerging markets.

For me, therefore, the question is not so much whether India will continue to grow economically, but rather whether investors will benefit appropriately from this growth.

I remain invested for the long term, but I’m cautious about making additional purchases given the current valuations.

How do you view India as an investment for the next 10 to 20 years?

Are you already invested, are you currently adding to your positions, or do you prefer to invest in a broadly diversified emerging markets ETF?

I’d be particularly interested to know whether you view the current weakness as a buying opportunity or as a sign of overblown growth expectations.

Sources: World Bank (October 2026), MSCI (September 2026), Reuters.

Hi everyone,

I'd like to hear your thoughts. This is about my investment portfolio.

$VWRL (+0.3%) : approx. €273,000 (+45%)

$TDIV (+0.89%) : approx. €117,000 (+20%)

$ALV (+1.67%) : approx. €29,000 (+65%)

$BTC (+1.01%) approx. 42k (+10%)

The situation: Over the next one to two years, I’d like to buy a property abroad for €300,000 to €350,000

using only my own funds. This means I’ll have to withdraw a large portion of my portfolio.

My dilemma: If I sell now, I might miss out on further price gains. If I stay invested and there’s a major market correction, the purchase could fall through in the worst-case scenario. I’ll have to pay taxes either way, so it’s really a question of timing.

I’m currently weighing these options:

1. Sell everything I need for the purchase now and park the funds in a money market account or money market ETF

2. Secure only a core holding ($ALV and $TDIV) and let the $VWRL run

3. Sell in stages, for example in three tranches by summer 2027

4. Stay invested with a fixed rule: sell at −15% or as soon as a specific property becomes available

5. Hedge using puts

Of course, I’d love to have the best of both worlds: a secure purchase without giving up too much return. I realize that doesn’t exist. I’m looking for the best compromise.

My questions for you:

• Who has faced the same decision, and how did you handle it?

• Would you do it the same way again today?

• Is there an option I’m overlooking?

Thank you all!

September has come to a close, marking yet another somewhat mixed month. Basically, it was another rollercoaster ride that ended on a “downward” note. Unfortunately, this has also caused the overall YTD performance to slip slightly into negative territory. But we still have a few months left to turn things around... 😉

Early last month, I also decided to make my portfolio a bit less risky and to restructure my entire asset allocation. My medium-term goal is to completely phase out fixed-term deposits, leave 50,000 euros in a money market account, and reallocate two-thirds of the portfolio to an All World ETF. I’ve at least made some (too) small progress in this direction...

Portfolio at a glance:

👉🏻 September:

Starting balance: 1,477,964 euros + 70 in cash

End: 1,444,708 euros + 600 in cash

Deposit: 48,500 euros

Loss: -81,226 euros (-5.50%)

As is the case every month, the performance of my portfolio currently depends largely on the performance of gold and silver mining stocks—and thus directly on the performance of commodity prices. Due to sharply rising bond yields, the price of oil, and expectations of rising interest rates, these stocks have once again come under pressure. However, my fundamental expectation of rising gold and silver prices in the long term due to the global debt crisis remains unchanged, so I don’t want to dwell on this point any further right now...

I think the progress on my portfolio restructuring is more interesting. Although I was able to add nearly 50,000 euros to the portfolio from a maturing time deposit, I’ve made only very limited progress on my medium-term plan. 🐌

Current progress toward goals:

👉🏻 Money market account -> 50,000 euros: 40 euros

👉🏻 All-World ETF -> 1,000,000 euros: 9,200 euros

So where did the money go? I invested just under 10,000 euros in $VWRL (+0.3%) . I actually wanted to leave the rest in the money market account (which is currently paying 3% interest, after all). That worked out fine for two weeks, but then I had to jump back into individual stocks.

The main additions to my portfolio were Vonovia ($VNA (+0.12%) ) and, to a lesser extent, McDonald’s ($MCD (+1.34%) ) and Alibaba ($BABA (-0.05%) ). And with that, the money was (unfortunately) gone again... 😅

I see a lot of potential in Vonovia in particular, especially if you’re willing to hold onto it for a while. Right now, of course, the political situation in Berlin is taking center stage, but I still have some residual faith in the German rule of law. In fact, an expropriation at market value would actually be a stroke of luck for Vonovia, and I firmly believe that if expropriation is allowed at all, it will happen at or around the current market value.

McDonald’s and Alibaba are more long-term investments and also my first positions in these stocks. It’ll all work out... 😉

So much for my mixed bag of a September! Let’s see how October plays out. With Nike ($NKE (+0.89%) ) and Accenture ($ACN (+1.75%) ), two of my holdings are reporting their quarterly results today. Let’s hope for a successful start to the month! 👍🏼

➡️🆓: On my way toward 4 million in total assets, I’m now 45.5% of the way there.

Here’s to successful stock market trades! 😊

With that, $VWRL (+0.3%) I sold my last security, and the rotation is $BTC (+1.01%) is almost complete. I did the same thing back in September/October 2023, and it was the best decision :)

I only took moderate advantage of the best opportunity this year, but there’s nothing I can do about it now.

The snow is falling softly ❄️