👋 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) (-0.89%) 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) (-0.81%)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (-0.61%)

📈 My investment strategy

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

🔹Core portfolio (ETF & Bitcoin)

900 € flow in monthly:

- 💵 €600 in SPDR S&P 500 ($SPY5) (-0.77%)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (-0.56%)

- ₿ 200 € in Bitcoin ($BTC) (-4.73%)

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

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (-0.43%) , $UNP (+1.2%), $RACE (+1.59%) , $MRK (+2.02%) , $MUV2 (+0.07%) , $DGE (-0.25%) , $DE (+2.62%) , $TXN (-1.05%) , $AWK (+1.97%) , $ADP (+1.52%) , $PLD (+0.05%) , $HEN (+0.04%) , $ITW (+0.76%) , $UNH (-0.61%) , $LLY (+1.29%) , $BEI (+0.8%) , $MCD (+1.48%) , $DTE (+0.36%) , $WMT (+1.3%) , $COST (+1.51%) , $WM (+2.41%) , $JPM (+0.44%) , $BLK (-0.2%) , $SY1 (-0.13%)

🔹 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!

Hi dear community,

I am currently thinking about replacing my iShares MSCI World $IWRD (-0.79%) with another one with a lower TER. As an alternative, I am considering adding the Xtrackers MSCI World $XDWL (-0.81%) in my portfolio as an alternative. But why this step?

Situation: I opened my portfolio in September 2022 during my training and have been saving in the iShares MSCI World since then. After my apprenticeship, I decided to go back to school for another two years to catch up on my A-levels. I have now started a dual study program. Now that I have some money coming in again, I can not only resume my savings plans, but also increase them significantly.

I currently have around € 2,500 invested in the iShares MSCI World UCITS ETF. The profit is around €700. As I still have around €800 of tax-free allowance left, I should initially no taxes initially. Therefore, if I make the switch, I should ideally do it in the next few months, as I will probably use more of the allowance next year.

In my view, there are many points in favor of a switch - for example, the Xtrackers MSCI World (IE00BK1PV551) with a TER of 0.12 %. According to the index mapping, the content should be identical. It distributes a small portion and offers a reasonable balance between price gains and dividend payouts.

The only thing that makes me hesitate: With the iShares MSCI World (BlackRock), I think it's rather unlikely that there will be tax-dodging ETF mergers there. Do you think the same applies to Xtrackers?

(Mergers that are purely identical in form are normally treated as tax-neutral in Germany, but mergers can be harmful for tax purposes - for example if they are cross-border or if the ISIN or fund domicile changes. In such cases, accumulated capital gains can be treated as realized capital gains subject to withholding tax).

What do you think about this? Is the switch worthwhile in my situation? Do you have better ETF alternatives, or would you stick with the iShares MSCI World UCITS ETF? I look forward to your constructive feedback!

With today's payment of the annual commission, we went on another shopping spree just before the weekend 🛒🛍️

Expanded:

• 3 x $O (-2.62%) 🇺🇸
• 9 x $ICHD (-0.52%) 🇨🇳
• 5 x $XDWL (-0.81%) 🌎
• 10 x $DHL (-1.9%) 🇩🇪

New:

• 2 x $AMZN (-1.27%) 🇺🇸

This means that the portfolio value has almost doubled today and cracked the €3,000 mark 📈

Hello everyone,

I would like to start a discussion about the best #etf s for the #schweiz to start. Let's start with the most important basics:

• Dividends are taxed as income in Switzerland (even for accumulating ETFs). So ultimately it doesn't matter for tax purposes whether you have a distributing or accumulating ETF.
• Access to American ETFsas not a member of the EU and therefore access to significantly cheaper ETF alternatives (e.g. $VT (-0.91%) ).
• Agreement between the USA and Switzerland reduces the US withholding tax from 30% to 15%. The remaining 15% can be claimed in the tax return for American ETFs.
• In the case of high to very high assets, ETFs with an American fund domicile may be taxed by the IRS for tax purposes.
• In the case of inheritance it could be a documentary/bureaucratic challenge for the surviving dependants with the IRS to transfer the ETFs with American brokers (classic #ikbr ).
• From a tax perspective, Irish ETFs are the most interesting after American ETFs due to the agreement between Ireland and the USA to reduce withholding tax from 30% to 15%. However, the remaining 15% cannot be claimed on the tax return.

For some years now I have been investing in the MSCI World $XDWD (-0.9%) (World Industrialized Countries) and not too long ago the AC World $XMAW (-0.83%) (All World). This is because, in addition to my Swiss broker (#saxobank ) and #ikbr my German bank (#consorsbank ) and Amundi and Xtracker ETFs can be saved there free of charge, which would be obsolete due to the low costs of Saxo and/or IKBR. In addition, these are accumulating and I would prefer to save in distributing ETFs. With a TER of 0.19% and 0.25%, these are okay, but certainly not the best ($VT (-0.91%) or $at 0.06%).

Irish alternatives would be the $WEBG (-0.87%) (TER 0.7%, distributing, All-World), $UBU7 (-0.76%) (TER 0.10%, distributing, MSCI-World), $VDEV (-0.83%) (TER 0.10%, distributing, industrialized countries) or $XDWL (-0.81%) (TER 0.12%, distributing, MSCI-World and counterpart to my accumulating $XDWD (-0.9%) ).

Which ETF do you save in if you are a Swiss resident? Which ETF would you save in if you were in the Swiss "luxury" situation?

Hello everyone! I've been a silent reader on Getquin for a while now and thought why not post something myself. I want to start with a simple presentation of my portfolio and I would be very happy about feedback and constructive criticism :)

About me:

I am 24 years old and have been investing in ETFs, shares and cryptos since I was 18. My goal is to build up a long-term fortune and, above all, I simply enjoy dealing with the subject.

Strategy:

My strategy is to have an MSCI World as my core $XDWL (-0.81%) which I then expand with what I consider to be promising, solid stocks. I invest in the MSCI World on a monthly basis in the savings plan, which means that this position is constantly being expanded. My aim is to increase its share over the next few years so that it makes up more than 50% of the portfolio.

The savings plan also includes the MSCI Emerging Markets Ex China $EMXCwhich I want to use to cover the developing countries without taking the China risk. I am aware that I could miss out on a lot of potential through growth in the Chinese market, but I want to protect myself from political events and decisions.

The NASDAQ100 $CSNDX (-1.62%) has already been bought for me by my father and I would like to hold it for the long term, as I think it is a sensible investment / higher weighting in the tech sector.

For the selected stocks, I try to choose companies that are market leaders in their sectors or that I expect to see stable growth without too much risk. I usually buy these in several tranches and if possible (or if I am patient enough) anticyclically.

I also generally go for a (low) dividend yield (currently around 1% of the invested capital). I know that dividend-paying ETFs and growth stocks make more sense, especially at a young age, but I still consciously focus on dividends. Not because I think it's generally the better choice, but simply because I like receiving dividends and it motivates me to keep at it. So please forgive me for that :)

So, last but not least, my cryptos. I'm generally enthusiastic about technology and therefore naturally also about cryptocurrencies. However, after burning my fingers by buying almost everything at the ATH, I have become more cautious and reserved. I want to hold the selected cryptos that I still have now for the long term or, if necessary, to buy them in the future. $BTC (-4.73%) , $ETH (-9.01%) , and/or $SOL (-6.87%) in the future. Otherwise, buy&hold applies here.

I hope I have been able to give you an overview of my portfolio and look forward to your comments.

Best regards

Your Spar Otter 🦦

For once, today's kebab day includes the large skewered meat plate with extra 🐑

Multiple ETFs on the same index are always questioned here, but can make sense under certain conditions and financial planning.

The 3 times 10 rule is explained in the article (link below)

If we take this as an example, why not always invest an ETF not for 10 years but for a certain € amount (based on the purchase prices). So why not look for a new one every 10, 20 or 30 thousand euros?

Wouldn't that also make sense?

Well, when you retire it looks wild in the portfolio, but does this actually correspond exactly to this tactic?

What do you think? I do it exactly the same way with one share, for example: set a € limit and then build up the next positions.

Constructive or bullshit?

https://www.finanztip.de/daily/so-holst-du-28000eur-mehr-aus-deinem-etf-heraus/

$HMWO (-0.8%)
$SC0J (-0.73%)
$XDWL (-0.81%)
#msci

Hello community.

As some of you have already noticed, the grandpa is very dividend-oriented and cash flow is the maxim. My portfolio with currently just under 250k consists of 64% equities, 21% Bund and US short-dated bonds, some ETFs, some bonus certificates and physical gold. As the majority of my income comes from interest, dividends and rental income, I have been able to live very well with my additional high cash holdings from overnight and fixed-term deposits. Slowly but surely, this comfortable time is coming to an end for a security-conscious old man and he is starting to rethink and restructure. I may be 60 and no longer have a long-term investment horizon, but I can still plan for the medium term of 5 to 10 years. 250k is still tied up for 1 to 4 years at good fixed deposit interest rates for me (3.8 to 4.5%) with an annual payout. Now ING has come across me and is offering 3.3% overnight money via an extra account for 6 months, which I'll take. The free custody account too. And that brings us to the topic. I put 150k in the call money account (yes, I know deposit protection) and set up savings plans on ETFs with 8k per month for the next 1.5 years.

Of course I can't get away from cash flow completely, but a little growth with a manageable sum can't hurt. The basic idea is 50% in the world, 20% in dividends, 10% emerging, 10% Europe and 10% Russel.

US should already be appropriately weighted, I am not directly invested in tech, this should improve via world ETFs and I would also like to consider the rest of the world and a few dividends.

I have made the following pre-selection (as I said, it's about 8K per month in the savings plan):

50% world, half of this in $XDWL (-0.81%) and the other half in$HMWO (-0.8%) . Both very similarly structured, TER ok, both distributing, but in different months.

20% dividend ETF, half of which is in $TDIV (-0.56%) and the other in $SEDY (-0.7%) The latter one-fifth in China, the risk is manageable, otherwise a bit of a watering can and overall a small US share in both, which I cover via direct investments as I said.

10% in $IMEU (-0.62%) which covers areas in which I have no exposure apart from $NOVO B (-1.37%) and $HSBA (-1.38%) I have no positions worth mentioning.

10% in $HMEF (-1.51%) China, yes over 20%, the rest is ok for me and also includes information technology and financial services, which are very underrepresented in my portfolio.

10% in $IWM (-1.39%) I am sticking to my US weighting and speculating on further effects from future interest rate cuts, even if some of this has already been priced in.

Finally, I would like to point out that I am not interested in the decimal place of the TER.

Overnight money will yield significantly less in the near future, growth does not harm my investment strategy, but it does not have to be the maximum return that can be achieved.

Putting everything into dividend stocks is suboptimal, so why not go "relatively risk-reduced" into ETFs in the medium term with part of my money.

Please give me your valued opinion on the approach and the chosen stocks, thanks for reading and have a sunny weekend.

Your dividend topi

After 11 months of dual studies, I can proudly announce that my portfolio has reached €5,000 for the first time - a small but significant milestone for me!