Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.

First of all, my situation:

I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.

I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.

I follow the following strategy: Buy & Hold

What do I invest in each month?

• $IWDA (+0.1%) 234€ per month
• $EIMI (+0.71%) 90€ monthly
• $SMEA (+0.25%) 70€ monthly
• $EWG2 (+0.97%) 65€ monthly
• $BTC (+0.58%) : 42€

I also save through VL benefits:

• $VHYG (+0.47%) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (+0.54%) .

This brings me to a total of €536. A crooked figure, that's true, but it works best for me.

The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.

My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.

I'd be interested to hear your opinion on this in the comments!

Hello dear community,

after not really being active for a few months, I thought I'd draw my first conclusions at the halfway point of my annual financial goals. A warning up front, the success so far is manageable to say the least 😙.

Before that, a few stats on the overall portfolio:

📌 YTD: approx. -5.33% as of today

📌 Shares/ETF: €12,150 invested

📌 $BTC (+0.58%) / $SOL (+1.67%) 2,500€ invested

Now let's check the targets:

🎯 Raise the portfolio to €70k

Phew, the orange man had something against it, currently unrealistic in view of the required performance and the investment volume still to come.

🎯Do more research, as it feels like I haven't done anything for 7-8 months in 2024

Up and down, sometimes yes, sometimes no... I'm working on it, let's put it this way.

🎯Focusing more on equities and not getting bogged down in the crypto bubble

Worked well so far, $SOL (+1.67%) Savings plan is now paused, focus is only on $BTC (+0.58%) . No other coins have been bought...

🎯Expanding my knowledge of basic financial topics, especially in the area of chart analysis and company data/earnings

Phew, mixed, started but never followed through...still have 6 months to go.

🎯Just listen to more financial podcasts

Works quite well, I actually listen to the usual suspects regularly

🎯Significantly increase the weighting of the MSCI World

Currently still far too little, but I'm working on it...

🎯The most important thing: to finally convince my better half to invest

Missed the maximum, there's less than before and not a cent has been invested 😆

What happens next?

I have currently suspended a large part of the savings plans on individual shares and continue to focus on $IWDA (+0.1%) and $MEUD (+0.21%) . According to the current plan, around €6,000 will still be invested this year.

With this in mind, keep applying cream ☀

Hi everyone, to be honest, I work on my portfolio almost every day. But I would also like to say in a timely manner: Hey, that's good now... The savings plans run monthly, I don't stress myself and look at the portfolio in a few years and see what the compound interest effect has created 🔥🤩🚀

I also still have Bitcoin and crypto, but I trade anti-cyclically and in a 4-year cycle. Will most likely liquidate everything at the end of the year 🔥💰

My portfolio currently consists of the following ETFs + individual stocks:

1) $IWDA (+0.1%)

2) $EIMI (+0.71%)

3) $RBOT (-0.65%) all 3 are accumulating and have been running for almost 1.5 years now.

I also bought these 3 etfs (distributing) a few weeks ago. I became aware of them here on the site and found them very attractive due to the monthly cash flow. I think it's better to have such etf's than other individual stocks.

4) $TDIV (+0.54%) (quarterly)

5) $JEPQ (-1.14%) (monthly)

6) $JEGP (+0.27%) (monthly)

I find the dividend yield on all 3 etfs very nice and high.

I also have these 5 dividend stocks:

1) $PEP (+2.58%)

2) $O (+0.37%)

3) $MAIN (+0.85%)

4) $RIO (+0.84%)

And 5) $STAG (+1.45%)

But I would like to sell Stag because the dividend growth is not so big and strong for me... and maybe get $D05 (-0.96%) instead? The dividend growth looks very strong there... Or which stock would you recommend?

I would be interested in your opinion on the portfolio or the individual stocks.

Thanks for any feedback, whether criticism or praise.

I would like to save all the stocks in the long term and then have a nice big portfolio in 20-30 years and receive a great cash flow 🔥💰🤝

Best regards

Chris

Hello, I have decided to include two ETFs in my portfolio: an MSCI World and an MSCI World ex USA. These two ETFs make up the largest part of my portfolio.

The MSCI World consists of about 70% US stocks, and since I am already heavily invested in individual US stocks, I chose the MSCI World instead of the S&P 500 to avoid too much concentration. In addition, I have chosen the MSCI World ex USA to further diversify.

Of course there are overlaps, but you also have to look at the weightings that each ETF gives to the individual stocks.

What do you think?

Would a combination of S&P 500 and MSCI World ex USA have been better, or do you think my more diversified solution makes more sense?

#Thanks for your advice!

$IWDA (+0.1%)
$EXUS (-0.06%)

Hello dear community,

I recently came into €20,000, which I would now like to invest. My goal is to build up a BTC holding of 0.25 by the end of 2026. Now the question is whether I should invest the €20,000 directly and $BTC (+0.58%) or whether I should let the target run via the normal savings plans and use the €20,000 for another investment such as $IWDA (+0.1%) use.

A few more details:

• Age: 27
• Monthly savings plans: 3000€
• Investment horizon: Until 2050, then early retirement
• The portfolio will contain $PUM (+2.77%) and $DX2D (+0.03%) still sold
• I am aware that there are overlaps, but this has to do with the fact that I have divided my portfolio into retirement provision and house purchase. In the respective sub-custody accounts, one is the $VWRL (+0.28%) and once the $IWDA (+0.1%) in it.

Thank you very much in advance!

Hello dear people!

I am looking for new and interesting stocks for my long-term portfolio and would like to build up a few new positions.

They should be growth stocks with high quality, away from the big tech stocks.

In addition, they should be rather cheap/fairly valued.

Dividends are not a priority for my investment strategy, so classic defensive dividend stocks would not be an option for me.

Either purchase in tranches or as a monthly savings plan.

Thought I'd ask the great GQ community for advice, maybe you can give me a few new ideas or some inspiration and tell me your favorites 💡

I'm looking forward to your answers/comments 🤗

$IWDA (+0.1%)
$VWRL (+0.28%)
$VWCE (+0.15%)
$CSPX (+0.22%)
$NVDA (-2.59%)
$MSFT (-0.84%)
$GOOGL (-0.29%)
$AMZN (+0.69%)
$NOVO B (+1.29%)
$NU (-0.03%)
$ASML (-1.14%)
$NOVO B (+1.29%)
$1211 (-1.34%)
$MA (+0.73%)
$BRK.B (+0.68%)
$UNH (+3.39%)

Hello everyone,

I have been thinking and considering for some time now. After my portfolio presentation, I looked again and thought about how and which strategy I want to pursue exactly.

Here is my first approach for the new strategy:

📊 60% Core - ETF savings plans

$IWDA (+0.1%) -> 25 %

$VHYL (+0.8%) -> 15 %

$DGIT (-0.42%) -> 20 %

🧭 30 % satellite savings plan

$MSFT (-0.84%) -> 10 %

$KO (+1.52%) -> 10%

$PEP (+2.58%) -> 5%

$ASML (-1.14%) ->5 %

🎯 10% opportunity satellites - savings plan

$NVO (+1.88%) -> 5%

$BTC (+0.58%) -> 2,5 %

$ARCA (-2.78%) -> 2,5%

What do you think of this setup? I would let the current shares continue to run and sell them at a profit when the opportunity arises.

This would be my second attempt to build a proper portfolio. My budget is not that big but I am making the best of it. I am open to suggestions and ideas. If you know a better setup then just post it in the comments. 😊

I'm still relatively at the beginning so please be forgiving 😅.

Very cool summary of why you don't actually have to try to regulate your own share.

The index does it for you all by itself.

The concentration in the MSCI World is a reflection of the current global market capitalization and not necessarily an indicator of an unhealthy concentration risk in the portfolio.

We simply need time to ride out the drawdown until the indices have adjusted to new conditions.

"Anyone who still says that the comparison is flawed: My main point is to show that MSCI World can digest cluster risk. There may be a few bad years, but then the adjustment mechanisms take effect. If you try to find the "right" US share for your portfolio on your own now, you also risk losing out on returns. After all, nobody knows whether US equities will really perform worse than the rest of the market in the next few years. Therefore: Don't let yourself be put under pressure to act! "

https://www.focus.de/finanzen/boerse/etf-wer-angst-vor-us-klumpen-im-msci-world-hat-vergisst-wichtige-lektion_cfbccf32-fcc0-409f-9ca9-4f6362789361.html

$HMWO (+0.18%)
$IWDA (+0.1%)
$IE000R4ZNTN3 (+0.09%) -so you don't necessarily need to

The next step towards the €6,000 by the end of the year has been reached.

Briefly about me: I'm 20 years old and aim to build up long-term assets.

Savings plans currently amount to €350:

• $IWDA (+0.1%) = 210€
• $EIMI (+0.71%) = 90€
• $BTC (+0.58%) = 50€ (starts next month)

What would you do differently or add?