With the posting of $MSFT (+0.63%) , $ABBN (+0.44%) , $SAP (-3.22%) and $AAPL (+1.23%) my portfolio has broken through the 100k mark. A position with 30 $BRK.B (+0.27%) should be booked in the next few weeks. USA is still underweighted at the moment, so I would like to buy $VUAG (+0.64%) buy more.

What do you think of the current allocation?

I posted here a few months ago because I am inheriting my father's share portfolio. I would like to thank you once again for your input. I actually started to really get to grips with the content of his portfolio with this post. After his death, it took me quite a bit of effort to get started. My father worked his way up from the simplest of circumstances and the portfolio was his pride and joy.

In the meantime, everything has been sorted out legally, which took much longer than I expected. The custodian bank has had all the documents since the beginning of September and now it's just a matter of waiting until the securities end up in my custody account.

I have spent the waiting time restructuring my own portfolio. I restructured my large position in $XZW0 (+0.53%) I have restructured it, as a few large US share positions have been added to the portfolio from the inheritance. The $VUAG (+0.64%) is also saved monthly. I've also bought a few more shares myself to get a better feel for how I'm doing with the individual shares. This is the current interim status of my own portfolio today.

I have entered my father's portfolio separately here. I think it has helped me a lot. I've been able to look at it again and again over the last few months and I can see the "usual" fluctuations. I have noticed for myself that my thinking in relation to the positions has become much more objective.

I will definitely keep some of my father's positions, including $MSFT, $BRK.B (+0.27%) and $SAP (-3.22%) . I am currently planning to limit the size of my positions to a maximum of 5 percent of the value of the overall portfolio. What remains will then be reinvested. I will primarily buy ETFs for good global diversification. Possibly also individual stocks, but I'm leaving that open for now.

https://getqu.in/lsfZk7/

Dear community this post is very important to me therefore please only constructive criticism, suggestions etc.

I would like to open a child custody account with the agreement of a friend of whose child I am the godparent.

The child will be 2 years old this year and should have a nice custody account until she turns 18.

Would you prefer to save for the next 16 years $VWCE (+0.39%)
$VUAG (+0.64%) or the Nasdaq?

Thank you in advance for your answers :)

Lg Flo

At the beginning of 2025, the market surprised with a severe setback - triggered by massive US tariffs in April. Amazon $AMZN, (+1.56%) long at a high of over € 242, fell to around € 145 within a few weeks. For me, this was the impetus to take out a loan for the first time - instead of working for months on the next buying opportunity and buying in chunks using a savings plan.

■Why a loan?

My monthly savings rate was already € 2,200 at the time, but to really build up a noticeable position in this market situation, I would have had to wait several months. In the overall portfolio of around €100,000 to €110,000, a small individual purchase position would hardly have made a difference. So I decided to take a bold step: I took out my first loan. My entry on Amazon, €159.28.

■Loan conditions:

Loan amount: €10,000

Term: 12 months

Monthly installment: €881.93

Total amount: € 10,583.16

Debit interest rate: 9.83

Effective annual interest rate: 10.29

This means: I pay around €50 per month for interest alone - not a big additional burden.

Opportunities and risks

Thanks to the loan, I was able to invest immediately and add Amazon shares to my portfolio at a price well below their high for the year. The risk is clear: the interest burden increases the pressure, and if the share does not recover as expected, the return would be quickly eroded. On the other hand, a loan opens up the opportunity to invest larger amounts counter-cyclically, especially in crash phases. My portfolio size and the high savings rate kept the risks significantly low.

■My interim conclusion

Seven months of the term are still open. So far, it is clear that courage can pay off on the markets - but also that you have to be fully aware of the financial commitment. My aim is to document this experience transparently with you.

Have you ever thought about it? Or invested with loans yourself?

My post at the time about buying Amazon shares:

https://getqu.in/RrByHi/

$AMZN (+1.56%)
$VUAG (+0.64%)
#etfs
#growth
#portfoliofeedback