Finally out - small minus but finally out with it. It was really too annoying for me... $TSLA (+3.97%)

Directly in $IWDA (+0.09%), $GOOGL (-0.77%) & $RR. (+0.24%) reinvested

Hello everyone,

After more than a year, it's time to present my portfolio again, as a lot has changed.

I am clearly pursuing a buy-and-hold strategy with quality stocks. As a core I currently have the $GGRP (+0.18%)and the $IWDA (+0.09%) . The $GGRP (+0.18%) will soon leave my portfolio and half of it will be reallocated to the $IWDA and the $XDEM (-0.01%) will be reallocated. This is simply because I think it's a good idea to have an ETF in my more growth-oriented portfolio that doesn't just have dividend payers in its line-up.

I find the $XDEM (-0.01%) in particular, as it focuses exclusively on stocks that have performed well recently. The fact that the excess return naturally drives up volatility somewhat is perfectly okay, as my investment horizon is at least 20 years.

Otherwise, another 57% of my portfolio consists of individual shares. My plan has actually always been a 50/50 ratio, but this has changed somewhat due to the strong equity returns. However, the ETF positions will soon be filled with around 600 euros of my training income. This should then level out a little better, as long as shares don't continue to rise enormously.

If you take a closer look at the shares, I think the strong focus on the classic ETF drivers such as $NVDA (+0.31%) , $MSFT (+0.56%) , $GOOG (-0.8%) and $AMZN (-0.03%) stand out. Of course, the ETFs in the portfolio increase the proportion of these stocks, but that is absolutely intentional. I remain very optimistic about the AI runners and see further growth and sufficient stability in the coming years.

I always find the following particularly noteworthy $EUZ (-4.22%) . It is the only German company in my portfolio. I am very confident in the long term and am excited to see how they will develop. Unfortunately, my $MC (-1.29%) position should also be mentioned. Well, bad luck and I didn't have the courage to sell when the downward trend was clear. But at least I can now offset the taxes from the $GGRP (+0.18%)-sale by selling the LVMH position and then buying it again immediately. As soon as the luxury segment improves again, I am sure that LVMH will be back at the top of the industry.

The bottom part of my portfolio currently consists of $MCD (+0.72%) and $MDLZ (-1.31%) among others. Due to the strong returns of the other shares, these two positions have become somewhat unimportant in my portfolio. At around 2% each, they have simply become too small for me, which is why I will be merging them. However, not again in a stable share with a dividend, but rather in a growth driver. I am currently watching $ANET (+1.36%) and am pretty convinced. The restructuring will probably soon lead to a EUR 4,000 position in Arista and free up another EUR 2,000 for the ETFs.

That should be all. If you have any questions, please feel free to ask, otherwise I'm very happy to receive your feedback :)

(A little info: The sum of the deposit comes from my grandfather's inheritance. The ETF shares I bought early on were bought by my father, as I was of course too young. Then I got involved with shares and was allowed to have more and more of a say. I currently make my own decisions about the portfolio)

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+1.55%) , $O (+0.15%) and $ATO (-1.25%) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (+0.09%)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (-0.09%)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0.14%)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (-0.16%)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (+0.28%)

50 €

FTSE Emerging Markets (Dist)$VFEM (+0.43%)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (+1.62%) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

A little added.

$CSPX (+0.21%)
$IWDA (+0.09%)
$XDWD (+0.04%)

Hello everyone,

I am about to replace my current occupational disability insurance with a basic pension with occupational disability cover.

I currently pay €77 per month for my occupational disability insurance. If I don't become disabled, my paid-in capital will be forfeited. In the event of disability, I would receive a monthly pension of around €1,900 with my current insurance.

I have now been offered a basic pension from Alte Leipziger, which I can also claim for tax purposes. This is not possible with my current contract. With my gross annual salary, this results in tax savings of around 45.4% and a subsidy rate.

The monthly costs for the basic pension would amount to around €115 after tax, without tax deductions it would be around €209 per month.

The cover amounts to € 2,500 per month (the higher amount is due to social insurance), which also corresponds to around € 1,900 in the event of occupational disability. A performance of 6% is required.

I can choose the ETF myself.

My question is: would you choose an ACC or DIST ETF?

You can choose, for example, the $VWRL (+0.08%)
$WEBN (+0.07%)
$VHYG (+0.03%)

A 70/30 portfolio from iShares would also be an option.

My insurance advisor has already made a suggestion:

40% $IWDA (+0.09%)

20% $EIMI (+0.26%)

7,5% $CBUX (+0.16%)

15% $MEUD (-0.26%)

7,5% $XAIX (+0.7%)

10% $SRS22H

I would like to hear your opinion on this.