Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (-0.04%) Deka DividenenStrategie - €100 per month.
• $CSPX (-0.12%) Ishares S&P 500 - 50 €/month
• $VWCE (+0.03%) Vanduard FTSE All World - 50 €/month
• $BRK.B (-0.19%) Berkshire Hathaway B - €50/month
• $SMEA (+0.06%) Ishares MSCI Europe 50 €/month
• $VHYL (-0.15%) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (-0.17%) , $AMZN (-0.48%) , $AAPL (-0.22%) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (+0.1%) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (-0.51%) buy.

Should be removed from the portfolio:

• $TGT (-0.19%) Target
• $NKE (-0.48%) Nike
• $D6RF (-0.07%) Deka Umweltinvest
• $DEDG (+0.02%) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

Hi Dear GQ Community,

this is my first time writing here and I would like to hear your opinions on savings plans for my son.

I gratefully accept optimizations 😁

Since his birth in June 2017 I have opened a custody account for Him. There their ETF $n/a (-0.04%) with 50€ saved.

Since September 2022 I have opened a children's account at Ginmon with a savings amount of 150€. Ginmon invests very diversified.

Since December 2022, another 150€ is saved in a children's deposit with Barmenia. These have a savings plan in $n/a (+0.94%)
$WLD (-0.08%)
$LYPS (-0.13%)
$n/a (+0.76%)
$n/a (+0.18%) 30€ each.

My question:

Would it make more sense to open a children's account with a broker to manage the savings plans themselves? If YES which ETF's would you recommend for the savings rate of 350€?

Thank you in advance ☺️

Finally "free" from Deka and the capital in your own hands ✌🏽

Unfortunately high fees via Sparkasse