Hi all

here's some info on my strategy, it's core-satellite method

ETF's is the biggest part with

Core:

$VUSA (+0,42 %) & $VEUR (+0 %)

Satellite:

$ASWC (+2,44 %) & $DFEN (+2,29 %) as Defense investing, due to EU pulling 5% of GDP with 2030 target

$IGLN (-0,01 %) for the gold exposure, minimizing downtrend when markets drop

$JEGP (+0,37 %) to make use of market volatility as source of income

$TDIV (+0,38 %) past performance is great, dividends of 3-4% always nice income

Individual stocks: mostly dividend stocks as we can deduct €240-region of dividend income of those indidual stocks, sadly not of ETF's.

$$KBC (-0,22 %) is marked as pension plan. I do work for KBC and once a yearn i can buy stocks and deduct some of it from my taxes, also buying on cheaper prices.

$UNP (-0,53 %) will be a good long-term hold as america is still the biggest, and with trump it should have some long-term growth in it.

$ARCAD (+0,81 %) is a value play, aiming to sell around €58, but in meantime, giving dividend to deduct taxes.

$JNJ: (+0,11 %) always good to have this one, great long-term hold and steady source of dividends

$ASML (+0,77 %) : love this stock, it's a monopoly and is growing strongly, keeping this as long as i like the progress

Couple more shares added to the portfolio today 📈 📈

$GOOGL (+1,12 %)
$AMD (+0,1 %)
$ASML (+0,77 %)
$CRM (+0,87 %)

Global stock markets are facing a wave of uncertainty today, and the Dutch AEX index is no exception. Shares of major players like $ASML (+0,77 %) and $ADYEN (+0,19 %) are under pressure, with ASML notably hit after a critical analyst report. Meanwhile, investors are eyeing key U.S. economic figures expected later this week, including the crucial jobs report. A mix of recent signals—such as declining GDP and rising unemployment claims—has led to caution across global markets.

Adding to the tension is the renewed trade friction between the U.S. and the EU. Washington has imposed fresh import tariffs of up to 25% on European goods like steel and aluminum, prompting swift countermeasures from Brussels targeting iconic American products such as jeans, motorcycles, and whiskey. These escalating tariffs are fueling fears of a broader trade war, which could weigh heavily on transatlantic business and consumer prices.

Interestingly, capital seems to be shifting away from crypto, reinforcing a “risk-off” sentiment. The red day reflects not panic, but strategic hesitation. $BTC (+0,02 %)
$ETH (+0,13 %)
$IBTU (+0,15 %)

Hi everyone,

I’m reaching out for some help and guidance, especially since this community is full of people willing to share their experience and knowledge.

About 5 years ago, I got to know that my father had most of his life savings sitting in a regular bank account earning just 1.25% interest per year. It honestly hurt to see all his hard work being slowly eaten up because of it. At the time, I tried to convince him to invest at least a portion in something like an ETF, but with no success. I eventually let it go, after all, it’s his money, and I could understand why he chose to be so conservative with it, even if it's not what I would've done.

Now, five years later, he seems to have changed his mind. We’ve started discussing how to allocate the money more effectively. For context he plans to retire in about 9 years.

The idea is to focus a bit more on growth over the next 9 years, and then gradually shift the allocation toward a more fully dividend-focused portfolio. That way, he can generate passive income and won’t have to rely solely on his pension in retirement.

I’m still learning and would really appreciate some feedback from more experienced investors.

Thanks to everyone in advance!

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Here’s the current allocation we are working on:

🟦 Growth ETFs – 40%

• MSCI World ($IWDA (+0,38 %) )
• iShares MSCI EM ETF ($IEMA (+0,39 %) )

🟥 Dividend ETFs – 20%

• FTSE All-World High Dividend Yield ($VHYL (+0,38 %) )
• VanEck Developed Markets Dividend Leaders ($TDIV) (+0,38 %)

🟩 Bonds – 15%

• Xtrackers II Eurozone Gov Bond 25+ ($DBXG) (-0,54 %)
• 
  Amundi Euro Inflt Expectations 2-10Y ($INFL) (+0,05 %)

🟪 Individual Stocks – 7.5%

• Google ($GOOG) (+1,1 %)
• 
  Unilever ($ULVR) (-0,21 %)
• 
  ASML ($ASML) (+0,77 %)
• 
  Allianz ($ALV) (+0 %)
• 
  Visa ($V) (+0,93 %)

🟧 Cash Reserve – 2.5%

Emergency Fund – 15%

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I would really appreciate feedback on the following:

• Is this allocation appropriate for someone with 9 years to go?
• Any ETFs or stocks you’d swap in or out?
• Anything you’d do differently in general and why?

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