Hello everyone,

With today's high, I have cracked my first target of €50,000 for the first time.

The next target is of course €100,000, hopefully by the end of 2026/beginning of 2027.

I would therefore like to present my portfolio to you and hope that you will have any suggestions for improvement and constructive ideas.

Basically, the focus is on buy and hold / growth. But a dividend is also nice.

I started thinking more intensively about the whole topic around the beginning/middle of 2023, at the age of 29. The aim is to possibly reach the millions after all, or in any case to have a more comfortable retirement later on.

Before that, it was more about trying things out or the "safe" investment that you get from your parents. In the meantime, we saved in stories such as DWS funds. I still have one of these "corpses", the DWS Vermögens... $HJUF (+0.15%) .

However, this is also to be restructured in the near future.

I am currently working on increasing my ETF positions to get to a ratio of 50%/50%. I have not been so successful with this recently, as I have increased many individual stocks due to the low.

Actually, the iShares Core S&P 500 $CSPX (+0.51%) and FTSE All-World $VWCE (+0.57%) are in the foreground.

Yes, I am also saving here at the same time $VWRL (+0.38%) for a few more dividends a year. You are welcome to give your opinion on whether this makes sense or whether you should only take one of the two.

My current monthly ETF savings plans at a glance,

Core S&P 500 $CSPX (+0.51%) - 150€

All-World $VWCE (+0.57%) - 70€

All-World $VWRL (+0.38%) - 70€

MSCI World $IWDA (+0.62%) - 40€

S&P 500 Information Tech $IUIT (+1.01%) - 30€

All-World High Divid. $VHYL (+0.94%) - 30€

VanEck Sustainable World Equal $TSWE (+0.86%) - 30€

VanEck Developed $TDIV (+0.42%) - 15€

iShare DJ Global Titan 50 $EXI2 (+0.36%) - 15€

Here, too, a merger would be conceivable and also make sense.

For example, since I hold the DJ Global Titan 50 $EXI2 (+0.36%) and the MSCI World $IWDA (+0.62%) with a small amount for ages, I have not yet been able to part with them.

I still save the following shares weekly at €7 each on the side,

$BRK.B (+0.67%)

$BLK (+1.62%)

$PG (+2.23%)

$PEP (+1.84%)

$KO (+2.89%)

In addition to the above, I buy individual shares, ETFs or top up positions worth a further €500, depending on prices.

On average, my monthly savings rate is therefore around €1,000-1,500.

As already mentioned, I would like to ask the community for their opinion, any suggestions for improvement and constructive ideas.

Thank you very much, best regards and happy trading days.

🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (-14.45%) and $TSM (-0.34%) were proved wrong.

To my delight $RSG (+1.81%) , $V (+1.74%) and $DE (+3.26%) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD: -3.65 %

📉 TTWROR: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (+1.81%) +15,81%

🥈 $V (+1.74%) +6,69%

🥉 $DE (+3.26%) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (-0.34%) -19,13%

🥈 $ASML (-0.06%) -10,71%

🥉 $IS3R (+0.6%) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (+0.39%) x5,55

🔄 03/2025: $IS3R (+0.6%) x2,80

🔄 03/2025: $5MVL (-0.21%) x1,83

➡️ 03/2025: $TSM (-0.34%) x1,726

➡️ 03/2025: $ZTS (+2.27%) x2,093

➡️ 03/2025: $UNH (-14.45%) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (+1.74%) +1,05€

💸 03/2025: $ZTS (+2.27%) +2,28€

💸 03/2025: $UNH (-14.45%) +1,97€

🔄 02/2025: $ISAC (+0.39%) x6,8

🔄 02/2025: $MEUD (+0.81%) x0,50

⬅️ 02/2025: $BRK.B (+0.67%) +51,29€

⬅️ 02/2025: $PG (+2.23%) +543,98€

💶 02/2025: Interest +25.20€

💸 02/2025: $DE (+3.26%) +4,06€

💸 02/2025: $ASML (-0.06%) +2,68€

💸 02/2025: $COST (+1.9%) +0,03€

💸 02/2025: $PG (+2.23%) +2,83€

🔄 01/2025: $ISAC (+0.39%) x5,75

🔄 01/2025: $MEUD (+0.81%) x0,53

➡️ 01/2025: $UNH (-14.45%) x1

➡️ 01/2025: $TSM (-0.34%) x2

➡️ 01/2025: $BTC (+0.04%) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (+1.81%) +1,16€

💸 01/2025: $SYK (+1.29%) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

Hello everyone,

I am currently in the process of reallocating my shares/ etfs.

The plan is a core-satellite portfolio

Core:

$VWCE (+0.57%) 60%

Satelite:

$WSML (+0.3%) 10%

$EIMI (+0.09%) 10%

$BLK (+1.62%) 5%

$BRK.B (+0.67%) 5%

$BTC (+0.04%) 5%

$EWG2 (+0.7%) 5%

I am currently 20 years old and my savings rate is 250€ per week, so I don't want to focus on dividends yet.

If you have any suggestions or objections to the individual positions/position sizes, please let me know.

I took advantage of the small setback and added my very first $BRK.B (+0.67%) share into my portfolio. I'm delighted :)