Hello everyone,

some of your contributions have motivated me to share something.

Briefly about me: I am 30 years old, employed and have a net income of approx. 3600€ (approx. 4000€ at the beginning of 2025). Quite a new father, so I'm curious to see how I can still maintain and increase my savings goals.

I had to more or less liquidate my savings account in 2021 due to a house purchase, otherwise I would probably already be a bit further ahead.

I'm currently saving €415 a month via savings plans and I also make one-off purchases when it suits me financially.

My portfolio is not yet clear enough for my taste. My goal is the following allocation:

60% ETF

20% individual shares

10% gold

10% P2P

Uniglobal is currently still quite strongly represented. This is a VWL legacy, as my bank advisor recommended it to me at the time. I haven't changed it yet as I had other focal points. But I'm aiming to do that. But I'm not yet sure what exactly I'm saving for.

My goal for the coming months and 1-2 years:

To $IWDA (+1,45 %) to ensure that the shares are redistributed automatically. I will leave P2P. I will buy gold as soon as I have cracked the 20k mark (as a reward, so to speak). I will also leave the individual shares I have. In some cases, I also save these via a savings plan ($KTN (+0,65 %)
$KO (+0,45 %)
$SHEL (+0,73 %) and $JNJ (+0,06 %) )

In 2 weeks I would like to invest about 1.5k of my Christmas money. Here, too, I am currently leaning towards $IWDA (+1,45 %) .

Overall, I'm trying to increase my savings rate, but I'll have to wait and see how this is possible due to my new role as a father. My mother is on parental leave and receives parental allowance.

What would you change in my portfolio if it were yours? I am grateful for any advice and look forward to your comments.

Your Dominik