Moin Moin,

money is no longer being paid because

100x $NU (-0.55%) added

1271x $RCK (-0.27%) and of course the one shown, but that's it for big investments, from now on only savings plans🫡

My strategy:

$VWCE (-0.04%) I save this monthly with 200€. I also make purchases when I have a lot of cash, such as last month (500€)

$BTC (-0.97%) Bitcoin I save weekly with 12,50€ (50€ monthly) plus single purchases if I think the price is reasonable.

The other two shares were from earlier for playing namely$EVT (+0.79%) c $SYNT but I will sell them as soon as I break even.

I would like to increase my savings plans so that I reach €20,000 by the time I am 18.

What have I learned?

"You're weird" and different from others your age, which means you have less contact with people your own age. This makes you lonelier if you don't have anyone with similar interests.

It's not enough to read the book the book or that book (I read a lot for a long time, I wasn't the biggest fan, but for my reading and writing weakness, there's an advantage to being stuck and learning things). or to chase after that and the new investment strategy. The fact is, the biggest driver of your wealth is what you put money into.

You need a business or a job that you can scale or at least get money out of (I have built a window cleaning business with 32 clients).

Hold on to your dreams and always finish what you start. I'm currently in a phase where I don't have anyone outside of me and my family. That means I have endless time for myself. I don't really have any excuses for not following through with my habits and the like. 2.3 of my habits are always taking a shower, taking a cold shower, doing at least 30 pull-ups, 30 dips, 60 push-ups every day and reading every day.

Habits forget a day, if not several days. What have I learned? In two years of trying to "pull through" I have realized one thing in particular, even if sometimes you haven't done your H Habits for a week or even a month, you have to keep at it and pick it up again sooner or later.

Goals: In the short term, €20,000 by the time I'm 18.

Long term: financial independence and live happily

The title says it all. Forced by the consolidation of my Lyxor er Amundi World ETFs $LCUW (+0.11%) I have simplified my portfolio. The only savings plans that ran consistently for 3 years were the ones in my World and my EM.

That has now come to an end.

From now on only one savings plan and that is in the $VWCE (-0.04%) 😍 Accumulating of course 📈

The $EIMI (-0.3%) will now simply stay put. With every savings installment in the $VWCE (-0.04%) my EM share is only minimally reduced for the time being. If I feel like putting more into the EM from time to time, I still have everything I need.

So now I'm a fanboy too @Vanguard fanboy and yes, now I want one of those damn hoodies at some point. @Lorena would be proud of me 👉👈

And the donkey anyway, now we have one more commonality 😍

And anyway@DonkeyInvestor and me, that's love ❤️ and now send me your coins!

Edit: But shit man, with transaction costs and due to taxes, there's now €4000 less in my custody account. Money that no longer brings a return 😞

Unfortunately, the start of the year went a little differently than expected... Now we continue with $VWCE (-0.04%)

So now it's time for me to introduce myself. I've been reading your posts for quite a while now. And I've been able to glean a lot of knowledge here.

About myself, I am 47 years young, married and an employee of a medium-sized company. I have been working intensively on the topic of investing in shares since May 2024. Before that, however, I had already dealt with the topic of investing, but was dazzled by financial advisors etc.. I had invested a lot in investment funds and life insurance policies. However, the returns fell by the wayside.

Until I started looking into ETFs and shares. As is so often the case, the financial advisors naturally wanted to talk me down about the enormous risk I was taking and that a fund would bring much higher returns, etc. etc.

Long story short, I decided to go down this path anyway. I started with a Robovisor (growney). Here I was able to gain my first experience with ETFs.

But I quickly realized that I wanted more, i.e. I wanted to get more involved with ETFs and shares and find my own strategy that suited me. So I opened a securities account with an online broker and then, after intensive research on YouTube, getquin and Google, I started to create my own securities account.

In the meantime, I canceled all my funds and life insurance policies and reallocated my assets.

In May 2024, I then started to build up my own portfolio. So 2024 was more of a practice year. I have now built up my portfolio to the point where I feel comfortable with it.

Now to my strategy, I want to build up assets until I retire

My core is the

$VWCE (-0.04%) This is where the largest monthly savings installment goes in

$EWG2 (+0.41%) I see gold as a small security and stability for my portfolio, which will be expanded in small steps.

$XEON (-0.01%) Money market ETF is our emergency fund, which will be expanded in small steps, as repairs etc. are also paid from here.

$BTC (-0.97%) I see Bitcoin as a long-term investment, this will also be further expanded via a savings plan, but I would also like to realize partial profits in the future

Then I have decided on a few individual stocks, which I have selected so that they are not so highly weighted in my core and where I see growth potential in the future. These will be held for the medium to long term and expanded with savings plans.

$NU (-0.55%)
$HIMS (+0.75%)
$ASML (+1.15%)
$SFM (-0.62%)
$NOVO B (+1.59%)
$SHOP (+1.45%)
$SNOW (+1.13%)
$SP20 (+0.78%) The S&P 500 Top20 serves as a small yield booster, but it remains to be seen...otherwise it will be reallocated to the all World

That's it for now, I'm always open to constructive criticism and improvements. I'm looking forward to an exciting time here.

$LCUW (+0.11%) - now that the taxes are due in February. I will now change this to an All World and thus also end the classic 70/30 savings. The monthly savings of $EIMI (-0.3%) has been stopped.

Moin Moin, my two World and EM have just been thrown out and simplified, I'm still thinking about adding India and Japan, but I'll see.

The purchase felt really strange with the large sum. Do you also have this with relatively large sums?

Hello Community,

As previously announced, I would like to give you a brief overview of the current changes in my portfolio today.

I keep my securities account with ING-DiBa.

There are fees for savings plans on individual shares in the amount of 1,75 % of the savings amount, while ETF savings plans are free of charge.

I also use an overnight deposit account, which unfortunately currently only pays 1,25 % interest.

Individual orders in direct trading are charged at 4.90 euros plus 0.25 percent of the investment amount if they are not part of a savings plan.

Sales in the last few weeks:

-ADM $ADM (-0.85%)

-Medical Properties $MPW (-0.4%)

-Virgin Galactic $SPCE (-0.35%)

- Alphawave $AWE (+3.16%)

Purchases this week:

-Rheinmetall (first purchase) $RHM (+0.72%)

-NU Holding (subsequent purchase) $NU (-0.55%)

My strategy for 2025:

In a nutshell:

Everything as always with me - savings plans and targeted individual purchases when the price and available cash are right.

This strategy has proven itself over the years and will remain my approach in 2025.

I have planned another sale when the share price is right and would like to buy DHL Group
$DHL (-1.2%) from the portfolio and invest the cash in Rheinmetall position.

Current savings plans (monthly):

-225 € ~ FTSE All World $VWCE (-0.04%)

-100 € ~ Tesla $TSLA (+0.58%)

-50 € ~ Microsoft $MSFT (+0.95%)

-50 € ~ Alphabet $GOOGL (-1.22%)

-50 € ~ Palantir $PLTR (+2.25%)

-25 € ~ Merck & Co. $MRK (-0.11%)

-25 € ~ Walmart $WMT (-0.07%)

-25 € ~ Allianz $ALV (+0.49%)

-25 € ~ RTX $RTX (+0.04%)

-25 € ~ Home Depot $HD (-0.19%)

-25 € ~ Apple $AAPL (-0.48%)

-25 € ~ Intel $INTC (-1.12%)

-25 € ~ Coca Cola $KO (-0.03%)

-25 € ~ McDonald's $MCD (+0.01%)

-25 € ~ Rheinmetall $RHM (+0.72%)

Current allocation by asset class in the portfolio:

-94,33 % Equities

-3,62 % Crypto

-2,05 % Gold

🔖 My approach to savings plans:

When I add a share to my savings plan, I always start with a basic investment (between €2,000 and €2,500) before I start with regular savings amounts.

I make sure that the share price is attractive at the time of entry - ideally I use a short-term dip.

Dividends received are always reinvested immediately, either through savings plans or targeted purchases.

Note on REITs (Realty Income and STAG):

Unfortunately, ING-DiBa does not offer monthly savings for REITs.

I therefore invest the dividends directly in my Allworld savings plan instead.

My position in Realty Income
$O (-0.32%) and STAG
$STAG (+1.05%) this year through individual purchases.

Watchlist with planned purchases:

-Euwax Gold 2 (additional purchase) $EWG2 (+0.41%)

-Palantir (additional buy) $PLTR (+2.25%)

-Nvidia (additional purchase) $NVDA (+4.18%)

-Reliance Industries (initial purchase) $RIGD (-0.35%)

-Aerovironment (initial purchase) $AVAV (+0.85%)

I hope you enjoyed this little insight into my portfolio.

I don't actually do that much, as I simply save my positions on a monthly basis and make targeted individual purchases.

P.S. I discover impressive portfolios on Getquin every day and keep coming across stocks that I am not yet familiar with.

The articles on various topics are also simply great.

Many thanks to the fantastic community and the daily "education"! 🫶

Best regards,

Michael

I am considering whether it would not make sense to replace the large position $WENS (-0.83%) with $VWCE (-0.04%) or are there other suggestions and opinions?

Thanks in advance 😊