As I have only ever been a silent reader here, I would now like to share my portfolio with you in order to get tips, criticism and inspiration from the community.

Briefly about me: 27 years old, with a portfolio that is intended to supplement my pension later on.

The 3 ETFs form the core and are saved monthly. Currently with 1000€ in the $LYPS (-1.91%) and 200€ each in $LOCK (-2.36%) and $MEUD (-0.9%) .

Directly to $LOCK: (-2.36%) I am aware that I am of course heavily dependent on one sector here. However, I see cybersecurity as a relevant area in the future, which is currently still very much overshadowed by AI and robotics. I am aware of the high risk, but I can still sleep well with it at the moment.

I buy individual stocks when I have money left over. In the future, one or two shares will be added to or exchanged.

Thank you for your opinions. 🫡

Hello 🙋🏽‍♂️

how do you feel about sector ETFs with a long investment horizon?

So far I am following a passive strategy from the $IWDA (-1.71%) , $EIMI (-0.96%) and the $MEUD (-0.9%)

I am now considering a sector bet in the Ki/technology sector to increase my return in the long term at best, I want to remain passive and don't want to deal with the individual companies so I am betting on ETFs.

🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (-8.43%) and $TSM (-1.11%) were proved wrong.

To my delight $RSG (-0.85%) , $V (-2.16%) and $DE (-2.37%) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD: -3.65 %

📉 TTWROR: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (-0.85%) +15,81%

🥈 $V (-2.16%) +6,69%

🥉 $DE (-2.37%) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (-1.11%) -19,13%

🥈 $ASML (-1.61%) -10,71%

🥉 $IS3R (-1.68%) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (-1.88%) x5,55

🔄 03/2025: $IS3R (-1.68%) x2,80

🔄 03/2025: $5MVL (-0.78%) x1,83

➡️ 03/2025: $TSM (-1.11%) x1,726

➡️ 03/2025: $ZTS (-1.77%) x2,093

➡️ 03/2025: $UNH (-8.43%) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (-2.16%) +1,05€

💸 03/2025: $ZTS (-1.77%) +2,28€

💸 03/2025: $UNH (-8.43%) +1,97€

🔄 02/2025: $ISAC (-1.88%) x6,8

🔄 02/2025: $MEUD (-0.9%) x0,50

⬅️ 02/2025: $BRK.B (-0.66%) +51,29€

⬅️ 02/2025: $PG (-0.37%) +543,98€

💶 02/2025: Interest +25.20€

💸 02/2025: $DE (-2.37%) +4,06€

💸 02/2025: $ASML (-1.61%) +2,68€

💸 02/2025: $COST (-1.29%) +0,03€

💸 02/2025: $PG (-0.37%) +2,83€

🔄 01/2025: $ISAC (-1.88%) x5,75

🔄 01/2025: $MEUD (-0.9%) x0,53

➡️ 01/2025: $UNH (-8.43%) x1

➡️ 01/2025: $TSM (-1.11%) x2

➡️ 01/2025: $BTC (+1.13%) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (-0.85%) +1,16€

💸 01/2025: $SYK (-2.66%) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

...further advance 🤸‍♂️

Hello Community,

My bonus will hopefully arrive at the end of April and of course I want to invest it. I'm currently toying with the idea of dividing it up roughly as follows:

• 25% in $IWDA (-1.71%) / MSCI World
• 15% in $MEUD (-0.9%) / EuroStoxx Europe 600
• 10% in $BTC (+1.13%)

For the rest, I would like to lower my entry prices depending on the market situation:

• $MSFT (-1.41%)
• 
  $NVDA (-2.75%)
• 
  $GOOGL (+2.38%)
• 
  $NOVO B (-0.54%)
• 
  $AMZN (-1.61%)
• 
  $AMD (-2.45%)
• 
  $NKE (-4.22%)
• $HIMS (-9.19%)

Possible first entries would be the following:

• $AAPL (-2.44%)
• 
  $CMG (-1.54%)
• 
  $RACE (-0.94%)
• 
  $V (-2.16%)
• 
  $BSX (-1.81%)
• 
  $BLK

In the end, one or the other will certainly be thrown out, as I don't get a million-dollar bonus here 😥. The investment period is > 15 years, so I'm not even trying to time it here, unless the prices have gone up 40% by the end of April, which I'm not assuming. I am well aware that the MSCI World already tracks a lot of the individual stocks.

Do you still have any exciting quality stocks that are worth a look?

Thanks!

Which positions should I continue to build or sell, the crypto positions were blind buys without having a clue. My "plan" would be to use savings plans to increase my position in $IWDA (-1.71%)
$DAX and $MEUD (-0.9%) with savings plans. Is it a good idea to delete TR and give the portfolio time? I'm only 4 months in and still learning every day. Would appreciate any answers.

We are currently in an uncertain political and economic phase, which is why many investors are currently investing in gold. That is why I am now selling part of my gold holdings $DE000EWG0LD1 (+1%) and will invest it broadly diversified in the stock market ($IWDA (-1.71%) , $MEUD (-0.9%) , $EIMI) (-0.96%) in the stock market.

What is your opinion on this idea?

I have a question, do you think it pays to have the $IWDA (-1.71%) having $CSPX (-2.01%) , o $MEUD (-0.9%) and $EIMI (-0.96%) ?

Good morning community, I'm 23 years old, I've recently started investing and I want to continue consistently.

I hope to improve my portfolio with this community and grow over time!

Thanks for the recommendations, I read them all and analyze and apply them according to my investment profile.

ECB - interest rate cut by 25 basis points to 2.5 %. "Monetary policy is becoming noticeably less restrictive." - Lagarde.

BoE - Interest rates are expected to fall by a further 75 basis points to 3.5 % by the end of the year.

Fed - Rate cuts are uncertain as rate chaos looms over the US economy. There may be no cuts this year.

Will European equities outperform US equities overall this year? They have been doing so since the beginning of the year. That would be a remarkable performance.

$MEUD (-0.9%) vs. $VUSA (-2.01%)

#eu
#meud
#vusa
#vwce
#etfs
#stoxxx600

Hello everyone,

My name is Antonio, I'm almost 27 years old and I'm from Bremen. I currently work as a train manager at Deutsche Bahn. Anyone who knows the job knows that chaos is almost guaranteed here. If a train is on time, everyone wonders what's going wrong. Delays, strikes, unforeseen events - you get used to the fact that nothing goes as expected. And that's exactly how I felt on the stock market: constantly chasing hypes, always on the lookout for quick profits, and in the end I never knew whether the train was still on the right track. I experienced just as much chaos on the markets as I did in my day-to-day work - but fortunately I've learned from it and am now looking for a fresh start where everything is a bit more orderly and predictable.

I've made a lot of mistakes on the stock market in the past. And not too few - unfortunately. Like many of you, I had the idea that the stock market would make me a quick buck. I let myself be led by hypes, trends and the desire for immediate results. I wasn't interested in investing for the long term or building a solid foundation for the future, I was only ever interested in making a quick profit. Leveraged products, knock-out certificates - it was all there. It felt like a casino where the loss was usually the only "win". And so it came as it had to: I not only lost money, but also confidence in my own decisions and the markets.

But today, in 2025, I have realized that it is time for a fresh start. I have learned from my mistakes. It's been a long road and I've thought a lot about why I was so quick to go for the quick buck instead of investing patiently and focusing on long-term success. I learned the lessons I needed to become a better investor. Patience, diversification and a long-term perspective are now my principles. I want to create something tangible, not just a portfolio full of numbers, but also a solid, long-term strategy that will help me to continuously build my wealth.

My portfolio: A solid foundation

The portfolio I have now built up is a mix of different asset classes and asset classes. My aim is to diversify broadly and not miss out on potential growth opportunities, while spreading risk across different sectors and regions. Here is an overview of what my investment strategy looks like:

ETFs (€1000/month)

I have deliberately opted for a broad diversification and invested in different geographical regions and markets. This diversification should ensure that my capital benefits from the markets that have the greatest potential in the coming decades.

- IE00BMTX1Y45 ( $I500) (-2.03%)

- LU0908500753 ( $MEUD (-0.9%) )

- IE00BYXVGY31 ( $FUSA (-1.95%) )

- IE00BD1F4M44 ( $IUVF (-2.54%) )

- IE00BKM4GZ66 ( $EIMI (-0.96%) )

- LU1681041973 ( $CD9 (-0.57%) )

- LU0486851024 ( $D5BL (-0.66%) )

- IE00BYQCZN58 ( $DXJZ (-0.67%) )

- IE00BF4RFH31 ( $WSML (-2.19%) )

- IE00BG0SKF03 ( $5MVL (-0.78%) )

- IE00B652H904 ( $SEDY (-1.15%) )

- LU2089238385 ( $PRAJ (-0.77%) )

- DE000A0H0744 ( $EXXW (-0.81%) )

- IE00BFXR5W90 ( $LGAG (-0.18%) )

- LU0779800910 ( $XCHA (-0.29%) )

- HANetf Future of Defense UCITS ETF ($ASWC (-1.67%) )

So many ETFs? Does he still have all his wits about him?

Some people will think exactly that when they look at my ETF list. And yes, I admit that the portfolio is pretty broadly based - perhaps too broad for some. But that's exactly my goal. I don't want to catch the one sector or the one region that is going through the roof. I want to have everything! If a market explodes somewhere in the world, then I want to be there. Be it through large caps, small caps, growth, value, technology or emerging markets, my approach is not to miss out on potential opportunities and at the same time not to put all my eggs in one basket. Some call it overdiversification, I call it my personal "all-world approach"

The idea behind the selection of these ETFs is that I want to focus on global markets and growth regions without missing out on important sectors such as technology, healthcare and energy. The USA (with over 55% of my portfolio) remains the central component due to its economic importance and innovative strength. At the same time, I am also focusing on Europe, Asia, China and emerging markets, which are increasingly among the growth markets of the future. Small caps also play a key role for me, as they often have the potential to grow faster and offer opportunities that are often overlooked by the large institutions.

Cryptocurrencies (€100/month in Bitcoin ( $BTC (+1.13%) ) €50/month in Ethereum ($ETH) (-0.46%)

I also invest in Bitcoin and Ethereum as I am convinced of the future of these digital currencies. Even if the volatility is high, I see the long-term potential of these technologies. For me, it is an opportunity to participate in the development of a new financial world.

Gold (50 €/month EUWAX Gold ($DE000EWG0LD1 (+1%) )

In uncertain times, I have realized how important it is to have conservative assets such as gold. The last few years of inflation and economic fluctuations have made me realize that gold can have a stabilizing effect, especially in times of crisis.

Individual stocks - My dividend strategy

I have also selected a few individual stocks that should not only offer me security, but also regular income through dividends. The reason for this is simple: I need something tangible, something visible. It's not just the pleasure of seeing the portfolio grow, but also the dividend that gives me the feeling of actively participating in the companies and benefiting from their success.

- 3M Co ($MMM (-3.03%) )

- Allianz ($ALV (+0.63%) )

- BioNTech ($BNTX (-2.97%) )

- Booking Holdings( $BKNG (-0.73%) )

- Coca-Cola ($KO (-0.05%) )

- LVMH ($MC (-2.36%) )

- MSCI Inc ($MSCI (-2.35%) )

- NextEra Energy($NEE (-4.38%) )

- Philip Morris ($PM (+0.3%) )

- Realty Income($O (-1.91%) )

BioNTech in particular, as a company that has promising potential not only during the pandemic but also beyond, is a long-term winner for me. Likewise NextEra Energy, which plays a key role in the renewable energy sector, and Booking Holdings, which should benefit from the global tourism trend. These companies not only pay dividends, but also show that you can benefit from a company's success with a long-term perspective.

Pension fund

I also invest in the DEVK pension fund (DE000A2PT1X3) through my employer $DE000A2PT1X3 . This fund is particularly important to me because of the generous contributions made by my employer and the solid returns. Even though the costs are somewhat higher, I see it as a long-term addition to my strategy.

Why this portfolio?

I built my portfolio this way because I believe in the potential of long-term global diversification. Rather than chasing short-term gains, I am looking for continuous value growth over many years. I want to support the right companies, benefit from promising markets and at the same time have a regular source of income through dividends.

I am no longer interested in making a quick buck. I have learned that true success in wealth accumulation lies in patience. And that's what it's all about: I want to create a solid foundation for the future - for myself, for my pension and perhaps for a house in a few years' time.

What do you think?

I'm really looking forward to hearing from you. What do you think of my strategy? Do you see any areas where I could diversify even more? Are there any asset classes or ETFs missing from my portfolio that would make sense for me? I am very keen to hear your opinions and advice.

Thank you for taking the time to read my story and strategy! I look forward to your feedback.

Best regards,

Antonio