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Opinions on My Portfolio

Hello, dear community,

Here is a chart showing the current composition of my portfolio. Since I’m already in the final third of my professional career, it’s no longer about chasing maximum returns at all costs. Instead, preserving my wealth is becoming increasingly important.

Parameters:

• Monthly savings plan: ~2k into $TDIV (+0.66%) + $BTC (-1.14%)

• Reinvestment of all dividends

• Buy-and-hold as much as possible (mostly)

• Cash flow

(Bitcoin savings up to a max. of 5%)

Since the TEC sector in particular has performed impressively recently—and this is accordingly affecting the portfolio weighting—I’m definitely considering shifting into dividend-paying quality stocks. In principle, this goes against my investment thesis, and any sales would trigger capital gains tax in full.

(Tax exemption and loss carryforward have been fully utilized)

I’d appreciate honest feedback—feel free to be critical! Thank you 😊

Here are all the positions in your aggregated portfolio with their current weightings (as of August 2, 2026):

- Xtrackers MSCI World ETF: 13.99%

- Allianz: 4.49%

- Apple: 4.37%

- Alphabet Inc. Class A: 4.31%

- Munich Re: 4.28%

- General Electric: 4.24%

- Amazon: 3.99%

- GE Vernova: 3.87%

- Nvidia: 3.77%

- DHL Group: 3.69%

- Daimler Truck: 3.47%

- Microsoft: 3.39%

- Deutsche Telekom: 2.44%

- Siemens AG: 2.33%

- Taiwan Semiconductor Manufacturing ADR: 2.22%

- Bitcoin: 2.20%

- Amundi MSCI Emerging Markets II: 2.12%

- Main Street Capital: 1.93%

- Coca-Cola: 1.91%

- Xtrackers Stoxx Europe 600 ETF: 1.90%

- Meta Platforms: 1.80%

- Procter & Gamble: 1.79%

- Amundi MSCI Emerging Markets Swap II: 1.67%

- JP Morgan: 1.62%

- VanEck Morningstar Developed Markets Dividend Leaders: 1.61%

- UnitedHealth Group: 1.58%

- General Mills: 1.32%

- Salesforce: 1.27%

- Mastercard: 1.18%

- Unilever PLC: 1.16%

- VICI: 1.11%

- Johnson & Johnson: 1.07%

- Cibus Real Estate AB: 1.05%

- British American Tobacco: 1.04%

- McDonald's: 1.03%

- SAP: 1.00%

- Agree Realty: 0.98%

- E.ON: 0.92%

- Rio Tinto: 0.66%

- iShares Physical Gold ETC: 0.39%

- Kraken Robotics: 0.36%

- Rocket Lab Corp: 0.36%

- Ethereum: 0.12%

19 Comments

D.S.@Crash-Propheteus

0.39% in gold seems a little too low to me; I would definitely increase that to 5–7% of the portfolio. In exchange, I would completely cut out crypto.

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Endurance Life@MozartsGeist

@Crash-Propheteus In my opinion, Bitcoin could become an alternative to gold in the long term. So I'm sticking to my savings plan.

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D.S.@Crash-Propheteus

@MozartsGeist Congratulations—everyone has their own opinion 🙃

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DEW_7240@DEW_7240

@MozartsGeist But your goal would be to reach 5% in BTC?
In general, I’d consider whether ETF/ETC positions below 5% are really necessary.
They don’t really contribute to the portfolio’s diversification anyway. And as for capital gains, there would have to be an increase of over 50% for you to even notice it (anything <=1%—even 100+%)

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Endurance Life@MozartsGeist

@DEW_7240 Thanks for the food for thought. I’ll continue to add to my smaller positions (as long as I’m confident in them) during pullbacks and depending on my financial situation.

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D.S.@Crash-Propheteus

@MozartsGeist Why are you even asking here in the community if you've already figured everything out for yourself?

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Endurance Life@MozartsGeist

@Crash-Propheteus You shared your thoughts on Bitcoin and gold. What concerns me more is whether—and to what extent—I should partially divest myself of my TEC positions.

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Gehebeltes-EFH@Gehebeltes-EFH

@MozartsGeist Get rid of them all. Stop messing around with individual stocks.

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Endurance Life@MozartsGeist

@Gehebeltes-EFH Thank you. I understand your approach! If I were just starting out, I’d seriously consider building a portfolio primarily with ETFs. Making a radical switch now would actually trigger a significant five-figure tax bill. I am actually thinking about rebalancing my portfolio a bit, but your suggestion seems a bit too drastic to me.

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asset_whisperer_1906@asset_whisperer_1906

@Crash-Propheteus in my opinion is really complicated, I appreciate reits crypto gold diversification but I don’t understand the stock picking, like an ACWI IMI probably whit an extra hang seng/ em exposure can do it whit less work

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Endurance Life@MozartsGeist

@asset_whisperer_1906 So what’s your résumé: selling all single stocks, in consequence putting the money into etf ?
That is boring and means catastrophic tax-nightmare !

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