...and as of today, my portfolio stands at just under 310k (rounded up a bit), as a purely passive investor in those boring but tried-and-true ETF structures (from which I’ve strayed every now and then without taking a nasty fall—the IZF is hovering around 14% 😮‍💨😄). $VWCE (+0.4%)
$WSML (+0.09%)
$XMME (+0%)
$IWDA (+0.43%)
$BTC (-0.53%)

Is this a good result? Is the performance over this period a success or just average? Just 3–4 years ago, questions like these would have kept me up at night. But something has changed in my experience and mindset since then. I’ve fully embraced mindlessly automated investing, and I’m absolutely thrilled about it. No event on the stock market fazes me anymore. Instead, I’m calm, content, and proud that I’ve maintained my discipline. Investing does something to you—definitely not in a bad way. And you’ve always played a part in that, which is why I’d like to thank all of you for this consistently motivating and pleasant community here. You’re all great.

And somehow it’s also funny that in real life we’d all just pass each other by, even though the tone here is always friendly and welcoming—at least that’s been my experience here 😄

Thanks to everyone—here’s to continued sparkling returns.

And always remember that we’re all living in a very luxurious bubble.

True happiness often only comes when you use material wealth (as well) to do good for others :)

Best regards

Yours, _EvD_🤓

Hi everyone,

So far, I've been putting 15% into the $CSNDX (-0.04%) to give my portfolio a little tech boost. 🚀

Now I’m wondering if I should take on even more risk with this $IUIT (+0.19%) , since I’m already taking a conservative approach $VWCE (+0.4%) .

What do you think about this?

Thanks a lot. 😺

$IUIT (+0.19%)

$CSNDX (-0.04%)

$XNAS (-0.03%)

$UST (-0.07%)

$BCFP (+0.09%)

$XLKS (+0.05%)

At the beginning of the year, I radically changed my strategy: moving away from countless individual stocks toward a simple, robust, and family-friendly structure centered around the Vanguard FTSE All-World ($VWCE (+0.4%)) and the $TDIV (-0.31%) 🌍💰. The triggers back then were my two kids 👶👶, parental leave 🍼, and the scarcest resource of all—time!

Today—a few months later—it’s clear: That was exactly the right decision! I’ve officially hit the 1/3 million € mark in my brokerage account alone! 📈

(Important to note: Bitcoin $BTC (-0.53%)

₿ and our real estate 🏠 aren’t included in this total at all and are managed separately as additional pillars.)

A few thoughts and insights along the way:

• Consistency & simplicity beat timing: The key wasn’t finding that one perfect stock, but rather the disciplined, automated saving into the global ETF—completely stress-free and without constant monitoring.

• Compound interest makes a noticeable difference: Once your portfolio reaches this size, daily market movements can contribute more to your gains on some days than your own savings rate.

• Staying focused & making the most of your time: Switching to a simple setup has brought exactly the peace of mind I’d hoped for—so I can have more time for my family.

What’s next?

The strategy remains unchanged: maintain the savings rate $VWCE (+0.4%) , reinvest dividends, keep crypto and real estate running in parallel, and carry on stoically. The next goal for the portfolio is 500T€—the second half of the first million! 🎯

Thanks to the community here for the daily exchanges and motivation! 👏🏼👏🏼👏🏼

You guys are truly the best! 🫶🏻

#etfs
#dividends
#vermögensaufbau
#meilenstein
#altersvorsorge
#familie
#vanguard#vaneck

Hello everyone,

I’ve been on my investment journey for just under 2.5 years now, and I’d be very interested in your critical feedback and opinions.

First, a quick introduction:

I’m 26 years old, work full-time in the steel industry, and my monthly savings amount is currently just under 560€ -> 150€ Nasdaq 100 / 150€ ACWI IMI / 100€ physical gold / 100€ Bitcoin / €60 in a mutual fund policy.

I hope to be able to increase these amounts back to 200/200/100/100/60 in the future.

My investment horizon is about 25–30 years, so that I can transition to part-time work in my mid-50s.

I also have a home savings contract with just under 7.5k, which I consider my emergency fund.

Now, about my investment portfolio:

I have a mutual fund policy through HDI that includes the Vanguard FTSE All-World $VWCE (+0.4%) , Vanguard FTSE Dev. Europe $VWCG (+0.13%) , iShares Core S&P 500 $CSPX (+0.47%) and Franklin FTSE MSCI India $FLXI (+0.92%) . The weightings are 60/15/15/10.

In the future, I plan to simplify this and transfer everything into the FTSE All-World fund.

Basically, I’d like to keep the mutual fund policy because the contract dates back to before 2004, which means it’s tax-free.

I’m contributing about €60 per month with a 5% growth rate until the year 2045. The contract ends in 2069, when I turn 70. However, I can cancel the contract at any time and receive the money tax-free.

The rest of my portfolio consists of my core ETFs: the Xtrackers Nasdaq 100 $XNAS (-0.03%) and the SPDR MSCI ACWI IMI $SPYI (+0.43%) .

This is supplemented by just under 10% Bitcoin $BTC (-0.53%) (Bitvavo) and 10% gold $EWG2 (+0.44%) (the EUWAX isn’t eligible for a savings plan at ING, so I’ve started contributing to WisdomTree instead).

The rest consists of individual stocks, which I used to try to diversify and outperform the market. Unfortunately, that didn’t work at all, and I’ve realized that I lack the time and patience for individual stocks.

Ideas / Target Allocation:

I’d like to keep the portfolio leaner and more streamlined and sell off individual stocks in the near future. Parting with Novo, Nu, and Mastercard isn’t too difficult for me, but I really like Visa and Berkshire, as I’m convinced of their long-term quality.

My target allocation for the portfolio (excluding the fund policy) should therefore look as follows:

35% Nasdaq 100 -> alt. 40%

35% ACWI IMI -> alt. 40%

10% individual stocks -> alt. 0%

10% Bitcoin

10% gold

I’d be interested in your opinions and constructive feedback regarding the portfolio and the allocation. Should I perhaps avoid individual stocks altogether? Is it even a good idea to invest in gold at age 26? With this allocation, does it make sense to also invest in Epi’s Wikifolio $DE000LS9U6W1 (-0.35%) as well?

Thank you all in advance, and I wish you a relaxing Friday and a pleasant weekend!

Best regards,

The Blonde Investor

I could definitely see myself $VWCE (+0.4%) saving $VWRL (+0.27%) in the long run—but is that really less of a hassle, especially with ING?

I’m thinking mainly about the annual tax payments, for which I have to set aside (pre-calculated) liquidity. That’s not the case with a dividend-paying fund, is it? Or am I missing something?

I do find the effort involved in timing the sale just right—including fees, etc.—to be significantly greater…