A further 25 shares $ENR (+2.1%) were sold and the capital $AMZN (+3.74%) and $FLXI (-0.06%) purchased.

The remainder is used to buy another $ASML (+1.87%) purchased.

Dear community,

I have been a member of getquin for almost 2 months now and I am thrilled with how lively the discussions and contributions are. Thanks to everyone who takes the time to research certain topics and share their knowledge.

I would like to take the opportunity to briefly introduce my portfolio and share my thoughts for 2025.

I have been managing my own investments for 10 years now. I started with ETFs and got into cryptos in 2017 (and got out again after the FTX bankruptcy and the Terra Luna crash). And for a few years now I've also been trading shares and now also real assets (I'm currently testing Timeless). Over the years, I have been able to expand my portfolio.

Due to my family responsibilities, my monthly fixed savings rate is currently €500. I also park monthly surpluses in my call money account and invest them when I see an opportunity. I need a certain amount of cash as we are still renovating and therefore simply need some cash...

My goal is to have at least €500,000 in 10 years so that I can pay off the existing loans on our house. So I would need to generate an annual return of 15%...

Over time, I've built up quite a mix of shares. My credo so far has been not to invest more than €1000 per share (although there have been exceptions) and a stop-loss at 20% below the purchase price. I haven't decided when the best time to sell is and I still don't know which strategy is best for me. I would therefore describe myself more as a hodler...

Now to my plans for 2025.

- I will change the fixed value per share of €1000 and increase it to €5000.

- The stop loss remains in place.

- Keep savings rates at €500 for the time being.

- Reduce the number of shares

- Focus on growth

What could a savings plan look like that I would continue for the next few years?

One point that bothers me is the high proportion of US equities in the global ETFs (cluster risk) - even though this is where most returns have been made historically...

Hence my consideration:

- Save in an ETF with a lower or no USA share (I currently have the following in my portfolio $GERD (+1.31%) where the USA share is only 50% - unfortunately quite expensive with TER 0.5%; or a new start with a $EXUS (+1.02%) ) (share: 40%)

- Saving $MEUD (+0.79%) (20 %), $FLXI (-0.06%) (20%), $WSML (+0.92%) (20%)

- S&P500 or MSCI USA via the 2xSPYTIPS of @Epi (via single payments)

- In addition $BTC (+0.18%) Savings plan of 40€ / week from existing USDC holdings (LTC sales from December) Note: Crypto portfolio cannot be fully mapped in Getquin as the EARN Binance Wallet is not displayed.

What do you think? Does that make sense?

As a next step, am I considering divesting from stocks?

From $OBDC (-0.16%) I would probably divest myself, possibly also $CSCO (+0.43%) . Can you think of any other shares or ETFs that would make sense to sell due to low growth prospects? I would then invest the free money in 3xGtaaa and shares like $ASML (+1.87%) , $NVDA (+2.65%) ...

Overall, I'm still not sure whether my strategy is quite right. Do you have any ideas, suggestions or comments? I would be grateful for any advice.

Thank you and best regards

Hello everyone,

I thought it was time to share my portfolio again and face your criticism👀.

Income: ~900€ net

I save an average of ~€200 per month with special payments and started investing when I started my training: 01.08.23

Brief explanation:

Deka Fond: These are capital-forming benefits (13€ AG / 27€ AN per month)

Had to take an active fund here

Core (planned; distribution not quite right yet)

70% ACWI $ISAC (+1.59%)

10% AI & Big Data

10% India $FLXI (-0.06%)

10% Small Caps

Satellites:

Blackrock 👑 $BLK (+1.83%)

• best performance - simply an awesome company

Monster 🧃 $MNST (-1.46%)

• I am wavering here with the sale / sales are weakening

Realty Income 🏡 $O (-1.7%)

• Can't be missing as a real estate azubi of course

Novo Nordisk 💉 $NOVO B (+1.43%)

• My latest purchase and correspondingly poor performance.

ASML 🔬 $ASML (+1.87%)

• I see great future potential here, growth

LVMH 👜 $MC (+0%)

BAT 🚬 $BATS (-0.39%)

Looking back, I'm satisfied with the return so far, knowing that the ACWI alone would probably have performed better on its own. Especially in the first few months, I learned the hard way and tried things out a bit. A few individual stocks are part of the fun, which increases interest in investing in general.

Goals for 2025:

Expand the core, especially the ACWI

Bring individual stocks to €200

In the past, my investment strategy focused exclusively on individual shares. For the future, however, I have developed a more diversified strategy that includes both regular ETF investments and targeted individual share purchases.

My investment strategy 2025:

• Monthly ETF investments:

- 350 € in the FTSE ALL-WORLD $VWRL (+1.37%)

- 25 € in the FTSE INDIA $FLXI (-0.06%)

• Monthly individual share investments:

- 25 € Microsoft $MSFT (+2.08%)

- 25 € Novo Nordisk $NOVO B (+1.43%)

- 25 € Waste Management $WM (-1.16%)

- 25 € McDonald's $MCD (-1.47%)

- 25 € ASML Holding $ASML (+1.87%)

-50 € Munich RE $MUV2 (-0.48%)

In addition, I build up my monthly cash reserve of €1,500/month to ensure financial flexibility.

• Reserve/liquidity:

Hello everyone,

Today I would like to introduce you to my recently reorganized portfolio and tell you about my motivations. Briefly about me: I'm 25 years old, currently studying for a Master's degree in business administration and working part-time as a student trainee. Starting next year, I intend to invest a savings installment of 1,000 euros every month. My stock market experience so far started in 2021/2022, and since then I have lived through almost every emotional up and down: from falling into the falling knife (Alibaba $BABA (-0.66%) PayPal $2PP, and many more) to speculative leveraged products and options. Fortunately, despite extreme fluctuations, I ended up at around plus/minus zero.

After dabbling in stock picking (mostly tech stocks) for a while, I realized that my biggest weakness is the lack of staying power for a consistent strategy. Neobrokers are like a game to me in a way, always tempting me to be more active. As a result, I regularly discard concepts that are actually promising - if only I had pursued them consistently. I am now learning my lesson from these findings: I want to implement a long-term, broad-based ETF strategy, which I will also share and track transparently on GetQuinn.

At the end of 2024, I therefore closed all my previous positions and am making a "clean" new start. My portfolio consists of the following components:

-NASDAQ 100 (25%) $XNAS (+2.28%) - the driving force for me in terms of US technology.

-FTSE China 50 (25%)
$DBX9 (-0.02%) - offers long-term potential in a dynamically growing market in my view.

-Euro STOXX 50 (20%)
$XESC (+1.01%) - Europe as a solid addition with established companies.

-Ossiam Shiller Barclays CAPE US Sector Value (15%)
$216361 (+1%) - deliberately focuses on value aspects and adds substance to my tech bias.

-FTSE India (15%) $FLXI (-0.06%) - another growth theme with exciting future prospects.

I find the symmetry of the portfolio particularly reassuring (even if perhaps irrational): USA-Tech stands opposite China, USA-Value stands opposite India, and there is also a European anchor. I am investing a total of just under EUR 15,000 at the start, so the percentages correspond exactly to my expectations. In future, I plan to divide the monthly savings installment of EUR 1,000 evenly between all ETFs.

My rebalancing approach

I will not invest my special payments (e.g. vacation pay, bonuses) immediately for the time being, but will keep them available as a cash reserve. On the one hand, I want to be able to react to possible price slumps in individual markets, and on the other hand, I use the saved cash quota for rebalancing at the end of the year. I don't sell anything, but add to the ETFs that have lost the most in relative terms over the course of the year. This allows me to keep the portfolio weighting more or less in balance without having to deal with short-term fluctuations too often.

Why GetQuin?

GetQuin allows me to monitor my portfolio performance transparently and at the same time exchange ideas with the community. Above all, I hope to receive honest feedback on my chosen structure and my rebalancing approach. At the same time, the platform motivates me to stick to my strategy in the long term - because I realize every day that constantly switching back and forth often only causes additional costs and stress.

I look forward to hearing your opinions:

- What opportunities or risks do you see in this ETF selection?

- Do you have any tips on how I could make my rebalancing even more efficient?

- Are there certain markets or sectors that you think I am neglecting or overvaluing?

Thank you very much for your opinions and advice! I am looking forward to a stimulating discussion and hope that we can inspire each other.

Best regards

A (hopefully) reformed stock market enthusiast in his second attempt

Good luck dear GetQuin Community,

today I would like to ask if anyone would like to give their opinion on my portfolio.

I currently have a savings plan for €140 $HMWO (+1.38%) , 45€ $IEMA (+0.52%) , 15€ $FLXI (-0.06%) . Occasionally I buy individual shares for dividends or where I think they might rise.

In addition, 40€ VL per month go into $K0MR (+1.33%) .

There is also a constant €150 in employee shares paid out by $SAP (-0.94%) .

At the moment I've been bitten by the FOMO bug and I'm planning to work through @Testo-Investor in $KAS (+0.35%) in the future. In addition perhaps $NU (+1.97%) .

The one MSCI World ETF will be removed and replaced by the HSBC.

Please let me know what you think :)

-Best regards Mo

#portfoliocheck

Hello dear Getquin community,

I have decided to add niches from India to my portfolio. I have chosen the following three: $QDV5 (-0.24%), $XCS5 (-0.13%) and $FLXI (-0.06%)

I'm leaning more towards the $XCS5 (-0.13%) but don't know exactly what these swaps are all about.

swaps. Can anyone help me or recommend something else? I am investing for the long term.

Thank you very much.