$SCWX (+0.47%) In my opinion, the performance is great, and the growth in volume is exceptional. I think it's a great opportunity for small investors (like me).

Due to some partial profit-taking in the (US) tech/AI sector ($NBIS (-0.17%) / $AVGO (+3.7%) / $MPWR (+4.66%) / $AMD (+5.66%)) and OS selling ($RKLB (-2.22%) / $AMD (+5.66%)), the portfolio will be rebalanced and restructured. $RKLB (-2.22%) , $LMND (-0.97%) , $GOOG (-0.89%) and $9988 (+3.72%) but I'm not touching them (yet) 😀

Unfortunately, the entry prices for GQ have been completely messed up due to the recent transfer from TR to SC.

• After almost a year of watching, I dare to re-enter at $GRAB (+1.59%) - further increase to 500 shares would be considered
• at $HIMS (-1.59%) a limit buy at €25 is lying in wait, increase from 40 to 60 shares planned
• $NOW (+1%) increased to 13 shares
• $WKL (+2.02%) increased to 18 shares
• $AJG (-1.36%) Position filled, 7 shares
• $DXCM (-1.69%) Position filled, 26 shares
• Doubling of the small speculative position at $ONWD (+2.25%) planned to 120 shares, limit buy @ € 4.30
• 10 shares $TEM (+7.22%) collected, savings plan continues
• $RSG (-0.82%) , $CCEP (-0.38%) and $DDOG (+2.95%) also continue to run in the savings plan alongside the ETFs $UBU7 (+0.68%) , $WINC (+0.27%) , $SCWX (+0.47%) and $EXH5 (+0.34%)

I am still undecided about the potential increase in $UBER (+0.92%) , $NU (+1.92%) , $ZTS (-0.24%) and $TTD (+3.42%) - and would be happy to hear a few opinions! I feel Nu and Uber are the most likely at the moment - although Waymo is accelerating well.

Hello everyone,

I'm currently thinking a lot about my long-term strategy and would like to hear your opinion on whether I'm making a mistake or whether the plan is sound.

1. my current situation

I am currently invested very "classically" to tech-heavy.

- ETFs:

- Scalable MSCI AC World $SCWX (+0.47%) 6.300 € (currently 200 € savings rate)

- Xtrackers MSCI World IT $XDWT (+1.79%) 8.000 € (currently 400 € savings rate)

- Individual shares:

- Allianz $ALV (+0.93%) : 2.900 €

- Nvidia $NVDA (-0.51%) : 3.900 €

- TSMC $2330 : 1.700 €

I realize that the IT ETF plus Nvidia/TSMC gives me an extreme tech lump risk.

2. my consideration / the "why"

I am considering changing my strategy from "accumulation/growth" to "distribution/dividend growth".

My main thought concerns the later withdrawal phase (in about 25 years):

If I save purely accumulating, I will have to sell units when I get older to get money. If there is then a bear market, I will eat up my assets much more quickly (sequence of return risk).

With a dividend strategy - according to my theory - I don't touch the substance, but live off the cash flow. I also think it is psychologically easier to stay invested in crises if dividends are still regularly paid into the account....and of course dividends are reinvested during the savings phase.

3. the new strategy: "wide moat" / monopolies

I want to invest specifically in companies that have a de facto monopoly or oligopoly. The idea is that where there is (and can be) no competition, pricing power is high and dividends are (more) secure.

I am thinking of sectors that are "inescapable":

- Railroads: Canadian National Railway ($CNR (+1.3%)). No one is building new railroad tracks across North America. It is physically and legally almost impossible to build a competing railroad across Canada and the United States.

- Waste: Waste Management ($WM (-1.07%) ) - Getting landfills approved is nearly impossible.

- Infrastructure/Gases: Air Liquide - not only US? Air Liquide often build gas plants (oxygen, nitrogen, hydrogen) directly on the premises of their customers (steelworks, chemical parks). A change of supplier is extremely expensive for the customer and logistically a nightmare ($AI (-0.68%) ) or American Tower ($AMT (-0.03%) ) They own the physical framework of the communication towers. When 5G or 6G is rolled out, AT&T or Verizon will need space on these towers. The leases are long-term and inflation-linked.

- Financial infrastructure: Visa/Mastercard ($V (+0%) / $MA) (+0.77%). Very low dividend but a monopoly/duopoly?

4. the plan

My savings rate should initially be 600 € later also 700€, ...800€).

I am considering stopping the old savings plans (AC World & IT) and dividing the new money as follows:

- Core: A quality dividend ETF (e.g. Fidelity Global Quality Income ($FGEQ (+0.62%) ) for the base.

- Satellite: 2-3 of the above "monopoly stocks" direct savings.

My questions to you:

1. Errors in thinking when taking the sample?

Is the assumption that I will be better off with a dividend portfolio in a crash than by selling ETF shares valid? Or is it "left pocket, right pocket"?

2. Dealing with legacy assets:

What do I do with the big tech block (IT ETF + Nvidia)? Leave it as a "growth booster" or reallocate to immediately reduce the cluster risk (pay attention to taxes)?

3. Stock selection:

Do stocks like Canadian National Railway or Waste Management fit my logic? Are there other "monopolists" that I am overlooking?

4. Is the savings rate sufficient?

Does it make sense to divide €600 into ETF + individual shares, or will I get bogged down by the fees/units?

Are there any general suggestions for improvement?

PS: The tax-free amount is €2000 as I am married.

I look forward to your input and critical opinions!

Thank you.

What do you think about this etf?

Work mainly on tech usa, I have accumulation plan of 500 eur/month is it worth continuing to invest?

I had no financial education until July when I enrolled in a graduate course in finance and discovered a passion. I would like to get some opinions or tips to improve my portfolio😊

In watchlist currently I also have $SPOT (-0.47%)
$NFLX (-0.34%)
$LDO (-2.08%)
$SCWX (+0.47%)
$XMME (+1.27%)
$IUIT (+1.52%)

Hello Community

What is your opinion on the new Scalable ETF $LU2903252349 (+0.47%) - useful?

Or is it better to put it together yourself (question for a friend - didn't know it before and would have recommended a simple MSCI World).

What do you think?

Have a nice Sunday

Scalable and Xtrackers are jointly launching an ETF on the market. $LU2903252349 (+0.47%)

Scalable has launched a new ETF with DWS and MSCI: $LU2903252349 (+0.47%)

The advantage of the ETF is hybrid replication. This means that markets that are difficult to access and the USA are represented synthetically, which saves costs and also saves the 15% US withholding tax compared to physical ETFs from Ireland.

In addition, the TER is 0% until 10.12.25, after which it rises to 0.17%