Your opinion on my portfolio

Hello dear getquin community,

I hope you all had a good start into the new year 🎉

I've been here on getquin for about a year and originally used the app to get a better overview of my portfolio.

Over time, however, I've started to read a lot of different opinions, take them on board and learn a lot in the process. First of all, thank you for the great analyses and the work that some people do here.

Briefly about me:

I'm 34 years old, an industrial engineer (current salary 3.8k net/month) and have unfortunately only been investing for around five years (started at €0).

My current monthly savings rate is €1,100, which is likely to increase as my salary rises.

I started out with a classic 70/30 ETF portfolio, but over time I have moved more and more towards a core-satellite approach.

My portfolio is currently made up as follows:

approx. 60 % ETFs

approx. 15 % individual stocks

approx. 5 % crypto

approx. 20 % cash (also my nest egg)

In terms of individual shares, my original plan was to invest exclusively in European blue chip stocks - mainly for diversification and to gain experience.

However, thanks to the input from the community, I am now prepared to increase my risk appetite and invest specifically in strong growth stocks with the aim of outperforming the indices.

I am currently running savings plans on $RKLB (+5.69%) , $IREN (+8.25%) and $EUR (+4.31%) each with a total of €100 per month. I would like to run these up to €1000 per share. There is also a savings plan for $BTC (-0.32%) of 100€/month.

The ETFs continue to form the core of my portfolio and are saved with € 660 per month (65 % World / 25 % Emerging Markets / 10 % Small Caps).

My long-term goal is to build up my retirement provision.

I would like to reach € 100,000 in the next two years if possible.

My long-term goal is to reach €1,000,000 by the age of 60 at the latest - ideally sooner, of course.

At the same time, there could be major expenses in the coming years, such as a wedding, house building or children, so I may have to withdraw capital from the portfolio.

1. I would be very interested in your opinion on my portfolio, the allocation and my strategy.

2. I am interested in how you deal with the issue of home ownership. Rationally speaking, I would actually have to liquidate the entire portfolio, right?

3. I'm thinking about combining my girlfriend's and my portfolios as soon as we get married. Do you have any tips on this? Just keep the different ETFs running or tidy them up once?

Thank you in advance for your feedback! I wish you a good start to 2026.

Metis@Metis

I can only say something about merging securities accounts and I wouldn't do that. Just as I wouldn't merge all income or salaries into one account.
In addition, a joint account into which both pay for joint expenses is perfectly okay, but otherwise I would always keep basic finances separate, even in a marriage.

In the event of a divorce/separation, one of the partners suffers too much from a massive financial blow from the ex-partner. Rarely do separations end well financially for both partners.

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Chips@stocker_1602

@Metis Thank you for your opinion. We would actually like to take the approach of pooling everything together and paying everyone a monthly allowance. That way, we would also balance out the different salary structures. Especially when there are children, the wife is always at a disadvantage because she can't work for a while.

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@stocker_1602 And if you separate, you'll be able to take all the money with you and leave her with nothing... I don't know now. Women are often the ones who get screwed in such situations, but I can also tell you from my parents' house what can happen when financial responsibility is left to just one person.
My father paid a lot for the divorce.

Chris@Multibagger

I think that owning a home depends entirely on my return. If I achieve twice as much return with the money in the deposit as I pay in interest on the other side, I take out more credit, as long as the bank agrees. That's how I've always done it. I've always taken out 100-110% loans, regardless of whether I'm renting or owning. To be fair, however, it has to be said that I also had the income back then that the bank had no problems with it. And the requirements back then were not as high as they are today with Basel xy! And in the past, people made the decisions, today it's just data entry. Then there's a vote from the machine and that's it.

@Multibagger That's an interesting approach that I hadn't thought about before. It's actually an optimization problem. Even if you assume an average return of 8%, I can calculate my break-even point, from which size the portfolio yields more return than the interest I have to pay.