👋 Introduction & background

Hey everyone!

I'm 33, married and dad to two small children (18 months and 2 months old). I've been working in the automotive industry since 2011 and in management consulting since 2019. ⚙️🚗💼

My wife is an engineer and also works in the automotive industry. 👩‍🔧🚗

I've been with getquin since 2022, but so far I've been reading along rather than actively posting. 👀

My wife is currently on parental leave and receives parental allowance. I will go on parental leave in Q2 2026 (also with parental allowance), then she will start working again. This means that only one of us will receive a full salary until the end of 2026 - but we'll still be sticking to our savings and investment quota. 👶💶

💰 Current status:

A good mid-six-figure amount has already been saved in our custody accounts. 📈

👶 Children & investments

For each child, we invested €10,000 in the Vanguard FTSE All World ($VWRL) (-0.24%) invested. In addition, each child receives €150 per month in the same ETF - via junior custody accounts at ING. 📊

💍 My wife's investments

She invests monthly:

- 🌎 500 € in the MSCI World ($XDWL) (-0.2%)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (-0.11%)

📈 My investment strategy

Long-term, diversified and with a focus on cash flow & wealth accumulation.

🔹Core portfolio (ETF & Bitcoin)

900 € flow in monthly:

- 💵 €500 in SPDR S&P 500 ($SPY5) (-0.06%)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0.03%)

- ₿ 200 € in Bitcoin ($BTC) (-2.78%)

🔹 Individual share savings plans (€25/ €600 each)

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (+0.29%) , $UNP (-1.87%), $RACE (+0.2%) , $MRK (-0.86%) , $MUV2 (-0.14%) , $DGE (+0.24%) , $DE (+1.69%) , $TXN (-1.24%) , $AWR (+1.86%) , $ADP (+0.88%) , $PLD (-0.11%) , $HEN (+0.08%) , $ITW (-0.57%) , $UNH (+1.03%) , $LLY (+0.44%) , $BEI (+0.55%) , $MCD (+0.67%) , $DTE (-0.17%) , $WMT (-0.51%) , $COST (+0.85%) , $WM (+0.34%) , $JPM (-0.42%) , $BLK (-0.07%) , $SY1 (+2.11%)

🔹 Cash reserve

💰 Set aside at least €1,000 every month to be able to strike flexibly when opportunities arise.

🏘️ Real estate strategy

We live in our own home and own a rental apartment that pays for itself. ✅

Further real estate purchases are planned. 🏡📈

🎯 Target (15-20 years)

Financial freedom - with the option of part-time or complete independence from employment. Focus on more time for family, projects and quality of life. ✨

How do you structure your portfolios? What is your strategy and what are your long-term goals?

I look forward to the exchange!

A silent reader for a long time, now my first post asking for feedback on my portfolio.

# Investment strategy

- Core-Satellite with MSCI World $IWDA (-0.21%) , $SPPW (-0.25%) and SP 500 $CSPX (-0.05%) , $I500 (-0.06%)

- Monthly investment: € 3,000-6,000 (fluctuates seasonally/because of bonuses and vacations).

- Current monthly savings plans: $VFEG (-0.44%) Emerging Markets 1000€, MSCI World 1000€, Euro Stoxx 600 $MEUD (-0.15%) with 600 € + $EWG2 (+0.61%) Gold and $BTC (-2.78%) -purchases on top without a fixed savings plan.

- Individual shares: US Hyperscaler $GOOG (-1.19%), $MSFT (-0.7%), $AMZN (+0.32%) due to professional proximity, US share deliberately reduced by other stocks, etc. $DTE (-0.17%) , $NOVO B (-1.21%) , $ASML (-2.22%) ,

$ALV (+0.04%)

- Target weighting for alternative investments (gold/BTC) at least 10%.

- S&P 500 savings plan currently suspended as valuations appear too high.

- In future possibly: Max. 10% in speculative individual stocks (max. 2% per security). There are always interesting ideas here in the community

# Targets

1. remaining amount from house loan: due in 5 years € 35k (currently € 600/month charge) + in 10 years € 217k (currently € 1,600/month charge). Due to favorable interest rates (1.3%), I do not make any early unscheduled repayments.

2. building up retirement provision & financial freedom.

# Notes

- I have 2x SP500 and 2x MSCI World because I switched due to high gains and lower TER. It was recommended somewhere because of the FIFO principle for payouts. In retrospect, I would solve this at ING with a 2nd custody account.

- I have my BTC with Bitvavo and am satisfied

- Child custody account: In $TDIV (+0.03%) invested, dividends (~600 €/year) are reallocated to MSCI World to use the exemption order, current custody account value for the 4-year-old: 4,900 €.

- Both employed (41/36 yrs.), gross household income ~€185k/year, wife works 32 hours/week.

- Property value house (new build 5 years ago in a medium-sized state capital), rented and paid-off condominium (600e/m net rent), occupational pension, Riester ETF are not included here.

My tip to the getquin community: Don't forget to live your life while investing :-)

For me:

• Own house -> quality of life is priceless, I can only recommend it to everyone, even if I had to almost completely liquidate my portfolio 5 years ago
• Road trips in the USA/Canada (before child and before Trump) -> countless great experiences
• Ford Mustang GT Convertible (6th gen) -> :-)

2 months ago I shared that I had broken the 30k. Now the 40k has also been broken. Before the end of the year I hope to reach 50k.

On to more!🤩🦍

$BTC (-2.78%)
$TDIV (+0.03%)
$VWRL (-0.24%)
$VUSA (-0.07%)
$JEGP (+0.17%)
$JEPI

Glad I was able to invest another nice amount of money in . $TDIV (+0.03%) .

Also bought €100 in $BTC (-2.78%) bought.

Everything can be seen in the new video!

Portfolio €39,250 - Duo provides new purchases! 🚀

https://youtu.be/yTsggsx9YW0

A total of €3,200 was invested this month, of which €1,000 was invested in the $TDIV (+0.03%) were invested. Deposit now stands at €130,000, target for this year is €140,000.

Compared to last October, the dividend from the $ISPA (-0.33%) considerably. 😃

Also performing better than my favorite ETF lately $TDIV (+0.03%) .

Dividend Reinvested $JEGP (+0.17%) & $TDIV (+0.03%) further expanded

Dividend Herbelegd, en JGPI & TDIV doelen bereikt !