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129I'm 19 and a student, so I don't have much income at the moment.
Last week I sold my $XDWD (+0.45%) last week to reduce my USA share, as I assume that the USA will lose its supremacy, which will benefit the EU. (Hence the Dax and Greece etf).
On the watchlist are (and will probably be bought in a crash)
$PNG (+2.75%)
$EWI (+2.35%)
$EIN3 (+0.27%)
$FUR (+3.71%) (was already in the portfolio) and $SY1 (+1.23%)
Hi folks,
I also wanted to take the opportunity to ask the community for advice. I'm still quite new here (started in January 2024) and have been thinking about changing my ETF savings plan strategy for a few weeks. I am currently saving the 5 ETFs you see in the screenshot below, each with 200€ / month.
$XDWD (+0.45%)
$IUIT (+0.38%)
$CSNDX (-0.27%)
$VWRL (+0.91%)
$VUSA (+0.03%)
However, I've been thinking more and more about stopping either the S&P 500 Info Tech. or the NASDAQ 100. I actually have two ETFs in mind. Divided into distributing and distributing per world and with a focus on the US, which would then be the case.
However, in recent weeks we have been reading more and more here and in other media about the $TDIV (+1.71%) and also from $JEGP (+0.44%) .
I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (+1.71%) and $JEGP (+0.44%) tempted to expand after all 🙈😅
What would you advise me to do? My investment horizon is 30+ years. In addition to the €1,000 in ETFs, I save €1,000 a month to invest in individual shares.
Completely different ideas for the constellation are also welcome. I like to be inspired and think about it.
PS: before I forget, a huge thank you to this great community, which has made my start in investing much easier. The daily posts and discussions are fun and expand my knowledge from day to day. A positive side effect is the reduced consumption of other social media 🤣
Enough said, I look forward to your feedback. Have a nice rest of Sunday everyone!
John
$XDWD (+0.45%) ...don't beat a gift horse ;)
Let's see what happens after the 6 + 1 years.
$XDWD (+0.45%)
$IWDA (+0.55%)
$SEMI (+0.06%)
My portfolio is currently in free fall. When do I get out to reduce my loss? I'm only up 8%. My goal has always been to invest in ETFs for the long term.
Hello everyone,
I would like to start a discussion about the best #etf s for the #schweiz to start. Let's start with the most important basics:
For some years now I have been investing in the MSCI World $XDWD (+0.45%) (World Industrialized Countries) and not too long ago the AC World $XMAW (+0.84%) (All World). This is because, in addition to my Swiss broker (#saxobank ) and #ikbr my German bank (#consorsbank ) and Amundi and Xtracker ETFs can be saved there free of charge, which would be obsolete due to the low costs of Saxo and/or IKBR. In addition, these are accumulating and I would prefer to save in distributing ETFs. With a TER of 0.19% and 0.25%, these are okay, but certainly not the best ($VT (+0.84%) or $at 0.06%).
Irish alternatives would be the $WEBG (+0.9%) (TER 0.7%, distributing, All-World), $UBU7 (+0.57%) (TER 0.10%, distributing, MSCI-World), $VDEV (+0.81%) (TER 0.10%, distributing, industrialized countries) or $XDWL (+0.46%) (TER 0.12%, distributing, MSCI-World and counterpart to my accumulating $XDWD (+0.45%) ).
Which ETF do you save in if you are a Swiss resident? Which ETF would you save in if you were in the Swiss "luxury" situation?
Thanks to the jump from $1211 (-1.75%) I was able to break the milestone of 50k today, which was actually planned to be reached in the summer as I no longer have the usual savings rate due to renovations, currently €200 in tiles in the $CSNDX (-0.27%) and 200€ in $XDWD (+0.45%)
Always happy to listen to opinions... even critical ones 😬✌🏻
Dear friends of Getquin,
I'm usually a silent reader, but if everyone just reads, eventually there's no more reading material, is there? So today I want to share my story with you.
The beginnings:
It's hard for me to say exactly when my journey began, but I do know that I developed a fascination with money as a child. My first "investment" was when I was about 7 or 8 years old, when I bought an ounce of gold with my own pocket money. At that time, no one in my family had anything to do with investments, but I had seen it in my mother's bank when I often accompanied her there. I was fascinated by the shiny coins and wanted to know how I could have a piece myself.
Then, around the turn of the millennium, I saw my father, together with a "great" bank advisor, invest the entire family savings in the middle of the dotcom bubble. The result: a massive loss within a few months. But my mother, who was at home at the time, fought hard and was miraculously able to recoup the losses. I was about 9 or 10 years old at the time and watched her sit in front of the PC every day and look at the figures. From that moment on, I was hooked! I started using an Excel spreadsheet to track which shares I would have bought at what price and watched the performance of my fictitious investments with great interest every day after school.
The first few years:
My mother stopped day trading after about a year and went back to work. However, shares were no longer an issue for me until I was 26.
Getting into real shares:
In 2018, in the summer, as a die-hard Juventus fan, I read about an article on the transfer of CR7 and how Juventus shares went through the roof. I was there again! At that time, however, I only had a small income as a working student. My father, who had failed with his investments in the past, gave me €2,000 - and I bought Juventus shares. However, he made me promise him that I would never invest in shares again. How did the story end? The "trade" with Juventus was a success, but I had to pay taxes for the first time - and I still hate that to this day.
The first losses:
After my Juventus adventure, I began to delve deeper into the matter. I tried out recommendations from "Aktionär" and repeatedly bet on individual shares for smaller trades. It was more of a game, but I generally remained profitable - sometimes a few percent profit, sometimes a few percent loss. Thanks to the profits and additional deposits, I built up my portfolio to €18,000 until I was hit by Wirecard. In the end, I had to accept a loss of around €6,000. It was painful, but not life-threatening - and I learned a lot from this mistake. In particular, I made the mistake of constantly buying more. If I had left it at the original position of € 1,500, the loss would probably not have been so dramatic.
Don't give up:
After the Wirecard debacle, I radically rethought my strategy. I increasingly focused on conservative companies, regular dividend payers and low growth. But here, too, I realized that I was underperforming the market. So I adapted my strategy further and took a long-term approach. I have since been able to slowly recoup my losses.
The clean cut - a new start:
In the summer of 2023, I needed all my assets for a private housing project and decided to make a real "fresh start". I sold all the positions in my portfolio and only kept my ETF savings plans with TradeRepublic.
The new era:
When the housing project was completed, I wanted to build up a new portfolio with the money I had left over - and here you can see the result. My aim is to find companies that are growing strongly and have a solid moat. Dividends are nice, but not a must. My portfolio also contains defensive, boring stocks as a healthy addition. At the same time, I try to further expand my ETF positions through one-off purchases - I stopped my regular ETF savings plans at the end of January 2025. I have also invested a little in crypto and gold on the side. I have made further investments in Lego (€500), Pokémon (€1,000) and Counterstrike cases (€3,000), but these are not part of the public list - that would be too costly for me.
Fun fact:
My cash ratio has never been higher than €3,000 since I first entered the stock market (2018). This is currently an exception because I want to build up a cash reserve for the next generation.
Goal:
I don't have a specific, set goal when it comes to my investments. It's more of a hobby for me. I just enjoy seeing how my portfolio grows and how I can accompany exciting companies and be a small part of them as they develop. For me, it feels a bit like collecting: I enjoy discovering interesting companies, investing in them and watching them develop over the long term.
Thank you:
A big thank you goes to Goldesel Investing and Markus Koch, who have been with me since my first stock market steps. Without you, the share culture in German-speaking countries would certainly not be as strong! And of course a big thank you to Getquin - I've always dreamed of a platform like this! 0% bullshit, 100% investments.
Please let me know if you liked my story!
A small note: My Bitpanda portfolio has a longer history, but I was too lazy to enter everything manually. I also didn't want to take over the history because, as I said, I wanted to start a new chapter in my investment history in November 2023. Overall, however, my crypto track is up €3000-4000.
$CSPX (+0.03%)
$ETH (-3.33%)
$BLK (+2.24%)
$GS (+1.58%)
$XDWD (+0.45%)
$V (+0.7%)
$MC (+3.04%)
$MS (+1.04%)
$QCOM (+0.88%)
$JNJ (+0.14%)
$ASML (+1.17%)
$RBOT (+1.14%)
$LOCK (+0.68%)
$MRK (+2.67%)
$UNP (+0.2%)
$NKE (+1.51%)
$QDV5 (+0.12%)
$MA (+0.59%)
$TGT (+0.92%)
$PEP (-0.41%)
$NU (+1.23%)
$AAPL (-0.1%)
$TSLA (-0.26%)
$DOGE (-9.29%)
$BTC (-1.52%)
$BRK.B (+1.18%)
$PEPE (-8.17%)
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