For months, I was planning to purchase some Nasdaq100 for the long term; it was something to do about September this year with some funds I expected to receive, but since the heavy "discount," I decided to move in immediately....hopefully,y, won't sink even more
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18My Portfolio
Hello everyone,
First of all, my name is Tiago and I'm from Portugal, so there's a chance I'll have some writing mistakes.
I will share with you my Portfolio and my currently ideas.
So, basically I'm a 22 years old boy that became fascinated by this world of investments in the past year. I've been reading a lot of things about the market and how it works. I consider myself a passive investor with a little affection to risk, so once in a while I might add to my portfolio some "FOMO" and "meme" stocks. My currently portfolio basically consists in some ETFs and 3 single stocks $AMD (-7.33%)
$NU (-8.86%)
$TSM (-4.55%) .
I currently have a monthly savings plan of 450€ consisting in diversified ETFs and some bitcoin:
$VUAG (-3.15%) 159 € S&P 500 35%
$VWCE (-3.53%) 135 € FTSE-ALL World 30%
$EIMI (-4.92%) 45 € Emerging Markets 10%
$MEUD (-4.77%) 45 € Stoxx 600 Europe 10%
$VAGF (+0.54%) 22 € Global Bonds 5%
$SGLD (-1.49%) 22 € Gold 5%
$BTC (+0.66%) 22 € Bitcoin 5 %
Note: I was reinforcing $XNAS (-3.21%) until last month but the geopolitical scene changed, and I decided that I should not overlap that much in US. That resulted in me moving that allocation to $MEUD (-4.77%) .
This portfolio gives me around 53% exposure to US, 19% developed markets, 13% emerging markets, 5% gold, 5% bonds and 5% bitcoin.
I know that the % would almost be the same if I only invested in: $VWCE (-3.53%) +$VAGF (+0.54%) +$SGLD (-1.49%) +$BTC (+0.66%) but I want to have the power to change the allocations and reinforce wherever I want to.
Since I am betting in the whole market I don't expect huge growth unless I reinforce with some bigger amounts when good "dips" arrive.
I have an emergency fund, but no one knows how we will end up in 5 years... that's why if a crisis arrives, I'll use my gold and bonds as liquidity to either reinforce my etfs or use that money myself.
First of all congrats on starting your investing journey at such a young age. I like your passive approach, but would suggest you to make it more simple. With $VWCE you are basically already investing in $VUAG $EIMI and $MEUD. I think you would be much better off managing less ETF - less moving parts, less headache, easier to stick to your plan. Nonetheless you are on a great path and ahead of 99% of people already. Just keep buying and don't overcomplicate things. Good luck!
Cleaned out
Sodala, I've narrowed down my portfolio a bit and tidied up the savings plans.
Biggest shifts in the last few weeks:
MSCI World -> FTSE All World
AI & Big Data -> Nasdaq100
Random Ass Gold ETC -> Euwax Gold 2
Altcoins/Shitcoins -> Bitcoin
Larger multiplier for TR Saveback
I'm out of the "Poah, the theme ETF sounds cool, savings plan 50€ IMMEDIATELY" phase and I have to say, such a narrower portfolio somehow looks nicer too lol. I only kept a classic sector ETF savings plan, I just like it. The savings rate isn't really high either, you can just see what happens.
Here are the updated savings plans, feel free to add your comments. I like mustard
Monthly savings plans:
1.Nasdaq 100 $XNAS (-3.21%)
(Acc): 305 €
2.FTSE All World $VWCE (-3.53%)
(Acc): 100 €
3.Future of Defense ETF $ASWC (-5.09%)
(Acc): 75 €
4.Gold: 50 € $EWG2 (+0%)
5.Crypto:
-$BTC (+0.66%) : 100 €
Reasons for Nasdaq100 as the largest savings plan:
1: I'm 20 and still have plenty of time to take a calculated risk and generate an excess return over the All World in the long term.
2: Falls harder (especially at the moment) than the FTSE,
Savings plans currently mean cheap, relaxed buying. Conversely, of course, the reverse is also true, but my long-term confidence in the (US) tech sector is so high that I don't see any problems in the distant future.
The rest is just a bit of fun in the short term but makes little sense in the long term.
My two cents. 😁
How would you manage this portfolio?
As a student and with a savings rate of just €40, I have few opportunities to achieve much on the stock market.
After a bit of research (especially on Finanzfluss), I decided on an ETF on the FTSE All-World index from Invesco ($FWRG (-4.17%) ). However, because I am not necessarily afraid of risky investing, I wanted to add another ETF to my portfolio. The choice of this additional ETF then fell on the Nasdaq100 from XTRACKER ($XNAS (-3.21%) ). I weight these two ETFs 70% low-risk and 30% risky.
I am aware that you have to set your investment strategy for the long term and should remain true to it, but I would be interested to know how experienced investors evaluate such a portfolio and whether and what changes they would make.
Portfolio feedback for a Belgian guy !
Hey everyone! After seeing so many portfolio presentations, I decided to share mine today, following the advice of @DonkeyInvestor (link here)! 🚀
1. Investment horizon and goals
I am Belgian guy of 30 years old, already own an apartment, and have a mortgage to repay. I have been investing sporadically since I was 18, but I really started actively managing my investments in March 2024.
My main goal is to maximize my savings, with the flexibility to either buy a house in the future or allocate funds to another project. Because of this, my investment horizon is flexible but at least 5 years.
I then plan to keep investing long-term and see if this could help me achieve a certain level of financial independence. To be honest, in a rational (but admittedly a bit morbid) way, the inheritance I will receive one day could contribute to that goal—although I am not at all counting on it as a part of my strategy.
2. My strategy and how I intend to achieve my goals
A. Introduction
I already have an emergency fund covering six months of expenses, which gives me peace of mind and allows me to invest without short-term financial stress.
My job enables me to invest at save (for investment) €1,500 per month. Any bonus or additional income is either added to my investments, used to replenish my emergency fund, or allocated to vacations and other expenses.
Additionally, I have around €25,000 from selling mutual funds I purchased in my younger years. This gives me flexibility to pick individual stocks or invest in crypto when I see an opportunity.
B. Investment Strategy & Asset Allocation 🎯
I invest around €2,300 per month in a DCA approach in various ETFs. Then I invest in stock or crypto when I see an opportunity.
My goal is to build by end 2025 a portfolio with the following allocation:
- ~40% Individual Stocks (mainly large-cap growth & tech)
- ~7.5-10% Crypto (mainly Bitcoin, possibly some altcoins)
- The remaining ~50% in ETFs, diversified across different regions and themes
C. Diversification & Experimentation 🎢
Within my ETF allocation, I allow myself to include thematic or higher-risk ETFs instead of only focusing on broad market indices.
I fully understand that this approach is not the most straightforward or simplest way to invest (see point 3). However, at this stage, I want to "have fun" with investing, testing stock picking and specific ETFs. Over time, I will assess whether this was a good decision and adjust if necessary (see point 4).
D. Risk-Taking & Adaptability 🔄
Since I am still young, I am willing to take on more risk, fully aware that I could also lose money. As I gain experience and see the performance of my portfolio, I will adapt my strategy if needed (again point 4).
3. My choice for the stocks in my portfolio
A. ETFs
After experimenting with different allocations, I’ve decided to aim for the following ETF distribution by the end of 2025 (as a percentage of my total portfolio, so including stock and crypto):
- 25%$IWDA (-3.53%) → Broad exposure to developed markets.
- 5%$IEMA (-5.02%) → Exposure to emerging markets
- 5%$XDEM (-5.03%) → Performance
- 2-2.5% in $MEUD (-4.77%) & $XNAS (-3.21%) → European and Nasdaq exposure to complement my stock picks.
- 10% in Thematic ETFs → I enjoy sector-specific plays and have selec $RBOT (-3.98%) , $W1TB (-4.58%) , $LCOC (-12.03%) , $SMH (-5.75%), $DFEN (-5.69%) to get exposure to robotics, Cocoa (because why not), semiconductors, and aerospace/defense.
B. Stocks
Like most of you, I love tech 😄, so a significant part of my individual stock portfolio is centered around it. I generally invest €2,000 per stock, sometimes in one go, sometimes split across multiple entries.
- ✅ Tech Giants & AI
- $NVDA (-5.96%) (exception to my €2,000 rule)
- $AMZN (-1.27%), $GOOGL (-0.4%), $MSFT (+0.59%) – Their global impact is massive and they are solid, and I don’t see that changing anytime soon.
- $VST (-13.34%) – AI-driven energy demand is booming, and I chose Vistra Energy over other AI-linked power plays.
- ✅ European Exposure 🌍
- $ENR (-7.88%)
(Siemens Energy) – A standout performer this year in Europe, and AI is a key factor in its growth. - $NOVO B (-5.11%)
(Novo Nordisk) – The obesity epidemic is a growing concern (also in Europe), and Novo Nordisk is a leader in the space. - ✅ More Speculative Plays :
Palantir & Soundhound AI – Both are AI-related but carry higher risk. $PLTR (-8.85%) because of its massive presence in States' affairs. $SOUN is an even more speculative AI bet, but I believe in it for the voice aspects. - ✅ Employee Shares : $ENGI (-1.9%)
C. Crypto
I chose Bitcoin mainly due to its volatility and the potential for "easy profits". I initially invested in July and, seeing Trump getting closer to the White House, I decided to increase my position, anticipating potential market movements linked to his policies and the broader macroeconomic environment. For now, I’m sticking to Bitcoin but might explore XRP and other assets in the future.
4. Insight into how I plan to further expand your portfolio
Based on my calculations, I should reach €100,000 invested by late 2025 or early 2026. My plan is to keep investing consistently to get closer to the allocation I outlined earlier.
A. Expanding My Stock Portfolio 📈
I plan to maybe reinforce some existing positions but overall exploring new opportunities. Some stocks I’m considering include:
- Belgium: Syensqo, D’Ieteren
- France: Schneider Electric
- Banking sector: JP Morgan
- E-commerce & emerging markets: MercadoLibre
- Quantum computing: While highly speculative, I’m keeping an eye on this sector for the future. Since I already have exposure through Alphabet, I might consider IBM later on.
- Biotech & Medical Startups 🧬: I’ve been tempted by some early-stage medical stocks, but the extreme volatility and risk keep me hesitant. A single failed clinical trial can wipe out a stock forever, making this sector too unpredictable for me at the moment.
- I might also allow myself the occasional “easy trade”, but nothing certain yet.
- Finally, I could include new thematic ETF's.
B. Crypto
For Bitcoin, I keep things simple: I invest €100 whenever I see a dip (sometimes multiple times per day or week), staying patient and accumulating over time. I’m curious to hear your views on where Bitcoin is headed.
C. Reviewing My Strategy in Late 2025 🔍
- At the end of 2025, I’ll assess my portfolio, especially my thematic ETFs, by comparing them to the MSCI World. This will help me decide whether to stick with them or simplify my ETF strategy.
- I’ll also review my stock picks to see if any adjustments are needed.
- Given my horizon, I won’t make any rushed decisions.
D. Managing My Biggest Concern – US Exposure 🇺🇸
One of my main concerns is my heavy exposure to the US market, both through ETFs and stocks. However, given the current global economic landscape, it seems difficult to do otherwise while aiming for maximum returns.
For now, I’ll keep an eye on opportunities to diversify while ensuring that my investments remain aligned with my long-term strategy.
5. What I don’t want in my portfolio
I believe that investing inherently carries a level of amorality, especially when investing in broad-market ETFs that include a wide range of companies (but everyone has their own ethical perspective—let’s not start a debate on that! 😄).
That being said, I personally choose not to invest directly in companies involved in alcohol or tobacco. It’s a personal preference.
6. Conclusion 🎯
That’s it for this deep dive into my portfolio and a summary of my thoughts since May 2024, as well as since I started reading your posts in August.
Thanks for all the insightful discussions and shared knowledge—this is an amazing community, and I really appreciate the posts I read since August!
Have a great weekend and thanks you so much for reading so far!
Regards,
A Belgian investor

Portfolio 2025 new
Moin,
I need a few tips and suggestions for my portfolio.
Current savings plans as of 01.02.25 $IWDA (-3.53%) , $QYLE (-3.27%) , $IUIT (-3.06%) , $ISPA (-4.59%) , $XNAS (-3.21%) , $XMME (-5.05%) .
Every month, €800 goes into the savings plans.
300€ $IWDA (-3.53%)
150€ $QYLE (-3.27%)
100€ $IUIT (-3.06%)
100€ $ISPA (-4.59%)
100€ $XNAS (-3.21%)
50€ $XMME (-5.05%)
Target weighting:
70- 80 % Etf
20-30 % crypto
Further investment in ETFs
Would like to put some of the cash into ETFs.
I invest in the S&P500, MSCI World and MSCI EMU (currently suspended).
Now I wanted to add the Nasdaq100 as an individual investment and savings plan.
$XNAS (-3.21%) or $CSNDX (-3.12%) are available.
Which one would you favor? Or should I continue to $CSPX (-3.12%) fill up (S&P500)?
My new start on the stock market: a disciplined ETF portfolio for the future
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 (-10.23%) 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 (-3.21%) - the driving force for me in terms of US technology.
-FTSE China 50 (25%)
$DBX9 (-2.71%) - offers long-term potential in a dynamically growing market in my view.
-Euro STOXX 50 (20%)
$XESC (-4.47%) - Europe as a solid addition with established companies.
-Ossiam Shiller Barclays CAPE US Sector Value (15%)
$216361 (-1.75%) - deliberately focuses on value aspects and adds substance to my tech bias.
-FTSE India (15%) $FLXI (-2.83%) - 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
Too much India, Europe and China
Hey, what do you think of my portfolio?
Please ignore $SNAP (+0.97%) and the $SRECHA this was a purchase that I bought over a year ago as a test/fun and I'm just too stingy to sell at the moment 😂
$MSFT (+0.59%) was a buy at the beginning i bought right at the peak and learned a lesson from that again. I will sell it as soon as possible at a profit and invest that money in the $VWRL (-3.95%) invest
$ARYN (-1.66%) and $LCID (-8.83%) are purchases that I thought could achieve good growth if I hold them for +/- 10 years.
Otherwise I save the $VWRL (-3.95%) monthly and the $XNAS (-3.21%) monthly
From October the $CHDVD will be added. As I simply want to be well diversified in the Swiss equity market 😊
Hereby I want to show you, as soon as you invest in individual stocks, you have to understand the ratios. Your shares, with the exception of Microsoft, are on the one hand very risky, i.e. crowdstrike and palantir, and on the other hand quite low-yielding, such as Abb.
Here I would think again about what your goal is and only invest in companies that:
1. have a positive cash flow
2. have a low level of debt
3. the number of shares decreases in the best case due to share buybacks
4. have an active long-term #uptrend.
5. you understand the business model.
I could go on and on, but that's enough for a start. I also see that you entered nvidia very cyclically.
You always want to enter tech anti-cyclically, i.e. when everyone says tech is dying and no one sees growth there.
I can't say much about your etfs, I'm not very deep in the subject, there are some here who can make better judgments.
Always remember that an etf is diversified, it's not about having 20 but rather less is more.