Depot presentation

A silent reader for a long time, now my first post asking for feedback on my portfolio.

# Investment strategy

- Core-Satellite with MSCI World $IWDA (-0.04%) , $SPPW (+0.06%) and SP 500 $CSPX (-0.23%) , $I500 (-0.22%)

- Monthly investment: € 3,000-6,000 (fluctuates seasonally/because of bonuses and vacations).

- Current monthly savings plans: $VFEG (-0.04%) Emerging Markets 1000€, MSCI World 1000€, Euro Stoxx 600 $MEUD (+0.35%) with 600 € + $EWG2 (+0.8%) Gold and $BTC (-0.26%) -purchases on top without a fixed savings plan.

- Individual shares: US Hyperscaler $GOOG (-0.5%), $MSFT (-0.15%), $AMZN (-1.27%) due to professional proximity, US share deliberately reduced by other stocks, etc. $DTE (-0.22%) , $NOVO B (+1.06%) , $ASML (-0.29%) ,

$ALV (-0.22%)

- Target weighting for alternative investments (gold/BTC) at least 10%.

- S&P 500 savings plan currently suspended as valuations appear too high.

- In future possibly: Max. 10% in speculative individual stocks (max. 2% per security). There are always interesting ideas here in the community

# Targets

1. remaining amount from house loan: due in 5 years € 35k (currently € 600/month charge) + in 10 years € 217k (currently € 1,600/month charge). Due to favorable interest rates (1.3%), I do not make any early unscheduled repayments.

2. building up retirement provision & financial freedom.

# Notes

- I have 2x SP500 and 2x MSCI World because I switched due to high gains and lower TER. It was recommended somewhere because of the FIFO principle for payouts. In retrospect, I would solve this at ING with a 2nd custody account.

- I have my BTC with Bitvavo and am satisfied

- Child custody account: In $TDIV (+0.54%) invested, dividends (~600 €/year) are reallocated to MSCI World to use the exemption order, current custody account value for the 4-year-old: 4,900 €.

- Both employed (41/36 yrs.), gross household income ~€185k/year, wife works 32 hours/week.

- Property value house (new build 5 years ago in a medium-sized state capital), rented and paid-off condominium (600e/m net rent), occupational pension, Riester ETF are not included here.

My tip to the getquin community: Don't forget to live your life while investing :-)

For me:

Own house -> quality of life is priceless, I can only recommend it to everyone, even if I had to almost completely liquidate my portfolio 5 years ago
Road trips in the USA/Canada (before child and before Trump) -> countless great experiences
Ford Mustang GT Convertible (6th gen) -> :-)

Julian@MoneyISnotREAL

Very nice depot and relatively clear for the sum. 💪

* Have you set yourself a specific allocation of ETFs / regions?
* How do you see your US weighting?

Without seeing it exactly, I suspect a larger US and tech overweight (S&P500, individual stocks and MSCI World).
On the other hand, you could split the portfolio from the "core" into two parts:
a) MSCI + EM
b) SP500 + Stoxx600 + EM

All in all, a portfolio with structure and a roadmap 💪 Keep it up!

•

Jens@Helper84

@MoneyISnotREAL The US Hyperscaler overweight is intentional because I have a lot to do with it professionally. Otherwise, I have reduced my US share recently. Currently below 55% and I will probably reduce it to below 50% (especially with more BTC and gold)

Ella M.@DividendenWaschbaer

I also treated myself to the Mustang. Before the house was built, because I didn't know whether there would be anything left afterwards 😅
It's now gone again. It mostly just stood around because I didn't have enough time and/or no (travel) destinations.
Nevertheless, it's always a great experience and there's always a grin on my face when I get on. Even after 3 years.

Of course, you can afford a lot with your household gross income. I also currently have a residual debt of €360,000. The plan would be to pay it off in another 15 years. That would have been a total of 20 years.
With an average interest rate of 1.0%, I won't pay it off in between, but will collect the special repayments in the money market ETF, collect 2% interest at the moment and then use them to pay off the loans in full when they mature. That's the plan anyway.
Having my own house was definitely the right decision for me.

In any case, everything sounds very well thought out for you. I don't see any problems or financial issues that could get in your way.

Chris@Multibagger

First of all, welcome and congratulations on your first post. I won't say much about your portfolio, as I can only say something about the planned 10% more speculative stocks, as I am a bit familiar with them.
But €3-6k a month in savings is of course a lot. Congratulations on that too. What I liked best about your presentation, however, was the last sentence about not forgetting life.

Alfred E.Neumann :-)@Papiertiger

59Min

For stable asset accumulation and if you have such a high level of savings, I would do the same.