👋 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 ($VWRL) (+0.15%) invested. In addition, each child receives €150 per month in the same ETF - via junior custody accounts at ING. 📊
💍 My wife's investments
She invests monthly:
- 🌎 500 € in the MSCI World ($XDWL) (+0.05%)
- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (+0.51%)
📈 My investment strategy
Long-term, diversified and with a focus on cash flow & wealth accumulation.
🔹Core portfolio (ETF & Bitcoin)
900 € flow in monthly:
- 💵 €500 in SPDR S&P 500 ($SPY5) (-0.22%)
- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0.54%)
- ₿ 200 € in Bitcoin ($BTC) (+0.43%)
🔹 Individual share savings plans (€25/ €600 each)
Target per company: €10,000 investment amount.
Currently participating:
$DB1 (-1.84%) , $UNP (+1.71%), $RACE (-0.74%) , $MRK (-0.26%) , $MUV2 (-0.31%) , $DGE (+0.24%) , $DE (+0.11%) , $TXN (-0.99%) , $AWR (+0.33%) , $ADP (-0.02%) , $PLD (+0.58%) , $HEN (+0.2%) , $ITW (-0.61%) , $UNH (+1.57%) , $LLY (+2.04%) , $BEI (-0.01%) , $MCD (-0.16%) , $DTE (-0.22%) , $WMT (+0.16%) , $COST (-0.53%) , $WM (+1.03%) , $JPM (+0.56%) , $BLK (+0.33%) , $SY1 (+0.4%)
🔹 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!
