Does it make sense to $VWCE (+0.2%) in parallel with the distributing $VWRL (+0.52%) in order to utilize the annual allowance?

Hello, I would like to start saving in a second ETF now and leave the current one inactive, reason LIFO for later.

I am currently saving the $VWCE, (+0.2%) would like to continue saving in an All World, does it make sense to save in the distributing$VWRL (+0.52%) to save?

Best regards, Timur.

I had included this ETF $GGRP (+0.56%) in my portfolio at the time because the overall performance was supposed to be very good. In the meantime, and mainly because of the dividend cut some time ago, it is lagging behind quite a bit in my portfolio. Is this due to the market situation and there will be times again when it performs better than, for example, the $VWCE (+0.2%) or is the ETF simply no longer as attractive?

I still have the $FGEQ (+0.6%) which performs significantly better. I'm thinking about $GGRP (+0.56%) out and reallocate.

What I had planned to do:

• ETF ->

Besides the $VWCE (+0.2%) which is my largest position in the portfolio so far, the ETF's $SMEA (+0.87%) & $AEJ (+0.76%) with a higher savings rate.

This approach is going according to plan. Due to a significantly higher salary as a result of completing my training, I am only changing the size of the savings plan here.

I just want to achieve the same buy-in here. However, to be honest, this is only for an optical reason.

• Individual shares ->

Some shares have clearly exceeded the 10% limit.

• $AAPL (+0.52%)

I have been saving large amounts of money in the stock itself since November 24. At least until I started thinking about portfolio management and investment strategies.

As a result, Apple was the top position in my portfolio during the slump.

It is now in second place with 20% of the portfolio. But that doesn't look so good due to the red figures.

I have set up a savings plan for this, which I pay into weekly with a small amount.

The aim is to reduce my buy-in and this has worked well so far, from over 12% down to 8% down.

• $DTE (+0.69%)

The share has been in my portfolio for some time, but has been in the red for a long time.

I had decided to $MSFT (+0.21%) & $SIE (+1.24%) to sell. Both shares have generated good returns and I have been happy with them so far. So I thought "why not?".

I reinvested this money and wanted to reduce my buy-in of the Telekom share. Let's see how that goes.

I don't have much to say about the rest of the individual stocks. You can take a look at the portfolio yourself and ask any questions you may have.

• Addition

Just a few months ago, I decided to split my salary at the end of the month on a percentage basis. This means that part of it goes into the custody account, part into the vacation account and part into the reserve account.

As I said, I was never taught how to handle money. This approach didn't work out at all.

Money came in -> money was divided up -> I ran out of money -> money was transferred back.

That sucks.

The only thing I never touch is the deposit. The custody account reminds me to grow financially and what my actual goals are. In addition, there are fees when selling, or the red numbers of the course: "if I sell now I have the amount "XY" REALLY made a loss.

Hence the attempt:

To put the portion of my vacation money into the Gerd Kommer ETF every month. $GERD (+0.38%) every month.

If the money is invested. I can't blow it. Even if the attempt fails and I go down 10%. In the end, it's still more than nothing.

In an emergency, I can also sell a single share and buy or sell it afterwards at a good price. If the timing is bad for a partial sale.

Overall, I can't get rid of the feeling that I should at least give it a try. I've been thinking about it for a while now.

I'm just still unsure whether the accumulating ETF was the wiser decision.

Thanks for reading and for your attention :)

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (+0.52%) Deka DividenenStrategie - €100 per month.
• $CSPX (-0.1%) Ishares S&P 500 - 50 €/month
• $VWCE (+0.2%) Vanduard FTSE All World - 50 €/month
• $BRK.B (+0.65%) Berkshire Hathaway B - €50/month
• $SMEA (+0.87%) Ishares MSCI Europe 50 €/month
• $VHYL (+0.69%) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (+0.68%) , $AMZN (+0.58%) , $AAPL (+0.52%) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (+0.43%) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (-0.64%) buy.

Should be removed from the portfolio:

• $TGT (+0.94%) Target
• $NKE (+0.48%) Nike
• $D6RF (+0.59%) Deka Umweltinvest
• $DEDG (-0.12%) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

Hello everyone, I have opened a custody account with TR for my kids and am now saving the $VWCE (+0.2%)

Every now and then the kids get gifts of money. From their grandparents for their birthdays or from us every now and then.

I'm thinking of transferring some of these gifts of money to the custody account and investing them in a distributing ETF or share so that they can see that the money is working. Otherwise, of course, the money will be spent on the 1000th toy.

I am thinking, for example, of the $JEPI (+0.08%)

(I have the other two in my depot)

Do you have any ideas or suggestions? Thank you very much...

Hey dear GetQuin Community, I would like to know what you think of my portfolio. From now on I will save $VWCE (+0.2%) with 600€ per month. I am always open to suggestions for improvement.

MfG ¡Tacito!