I bought another 14 shares today as the price is still relatively cheap. I prefer this ETF as it has less than 46% US exposure and still has all the big players in it. Let's see how it will develop.

Hello dear Getquinners,

I started investing in securities at the beginning of the year.

For many years, we parked our assets in call money accounts, which meant that we lost money for years due to high inflation with (negative) compound interest effects. I now want to change this and have therefore decided to invest some of our assets in the capital market.

We are a family with two small children (aged 1 and 4). We parents are in our mid-30s and in the middle of our working lives.

My goals/hopes are:

• long-term investment >10 years and more
• Inflation protection and (real) asset accumulation beyond overnight interest rates
• If necessary, partial transfer of assets to help the children get started when they come of age

As I don't want to gamble, it should be as "simple" as possible to handle and I am not a daredevil, I have created a "boring" ACWI-IMI portfolio.

We have invested around 60%, the rest is free liquidity, which would last for around 12-14 months without income given our current cost of living. A little conservative perhaps, but that's a start. I also don't want to get scared if the markets take a nosedive.

This is how it looks:

75% core:

• 55% MSCI World $IWDA (-0,45 %)
• 10% MSCI World Small Cap $WSML (-0,36 %)
• 10% MSCI Emerging Markets IMI $EIMI (+1,92 %)

8.5% Precious metals

• Physical gold $IGLN (-1 %)

15% Satellites with approx. 2% each

• $IB1T (-1,22 %) Bitcoin share with high opportunity and high risk. Personally, I am not yet completely convinced of this position, I see the "intrinsic" value of a (this) digital currency as being confronted with major environmental problems and am therefore critical. On the other hand, it is supposed to be "digital gold". We will see in the future what is true and what is not...

• $SEMI (+1,37 %) and $XDWT (+0,27 %) I believe in the AI boom and growing markets in digitalization, and see growth opportunities there, but also risks. Naturally increases the USA share in the portfolio...

• $$DFEN (+1,44 %) : Anti-cyclical position in the current increasingly global conflicts. Defense spending is rising worldwide...

• $WMIN (-0,31 %) and $RARE (+0,66 %) as a commodity mix in basic materials. See this as an opportunity with risk, but perhaps this also reacts anti-cyclically to weak markets

• $GERD (+0,05 %) as a personal experiment, as I have read and heard a lot from Gerd Kommer. Can be seen as a core holding, perhaps as a benchmark to the core. I wanted to give it a try.

I also toyed with $WNUC (+0,84 %) but I have to think about whether I really want to invest in nuclear technology (personally subjective thing...). I also read and follow 3XGTAA with interest, but that's too risky for me (for now), for now I'll stay in the World fairway...

Monthly savings installments go equally into the core. I plan to rebalance once a year during the Christmas vacations.

I read a lot in the community and regularly follow the posts. Time and again I also read negative statements about sector and industry bets.

I would be interested to know what you think of my portfolio and why some of you think that sector and sector bets are bad.

Thank you for your feedback and for your consistently excellent contributions to the community!

I had already flirted a few times with posts about Trading 212 and the possibility of creating pies to open a portfolio and yesterday after the post of @Novius finally went through with it (kiss goes out). The opening was also very easy with just a few clicks, only the flash transfer was rejected yesterday by my Sparkasse app and was credited to the broker this morning.

The year is only 12 days old and I've already broken all my New Year's resolutions not to take on any additional individual securities for the time being and to put more money into the good $GERD (+0,05 %) in addition to the savings plans. Instead, the money went into Salesforce $CRM (-2 %) and BB Biotech $BION (+1,78 %). I have no idea why I lack the discipline to invest. Maybe it will get better in

February... Maybe it will get better with the Pie 🥸

I'm only using Trading 212 as a gimmick for the time being and have picked speculative individual stocks from six sectors/thematic areas that have actually run too hot for me (the classic community stocks 😃) and would only find their way into the portfolio in the event of a setback.

would only find their way into the portfolio in the event of a setback or whose business model I don't understand (quantum computing, biotech) and therefore have no place in the portfolio without research.

Most of the stocks will be familiar to you. I will therefore refrain from describing them. With the exception of biotech. Since Gemini really had to serve as an advisor for individual stocks. However, I also had $VTYX an egg in my portfolio where the takeover modalities are already set at 14 $/share.

1. Quantum: IonQ, D-Wave, Rigetti.

2. Space: Rocket Lab, Intuitive Machines, Redwire, AST SpaceMobile.

3. defense (autonomous): Kraken Robotics, Ondas, Kratos.

4. Future Mobility: Joby Aviation, Archer Aviation, EHang.

5.. Disruptive Tech: Palantir, SoFi.

6. biotech & genomic revolution (2026 candidates)

- Viking Therapeutics ($VKTX (-1,13 %) ): Hottest candidate in the obesity market (weight loss drugs); considered the No. 1 takeover target for Big Pharma.

- Beam Therapeutics$BEAM): Pioneer in "base editing"; more precise gene correction than the first CRISPR generation; focus on sickle cell anemia.

- Intellia Therapeutics ($NTLA (-2,08 %)
): Leader in "in vivo" editing (healing takes place directly in the patient's body).

- Ventyx Biosciences $VTYX
): Specialist in immune and inflammatory diseases; currently the target of a billion-euro takeover by Eli Lilly.

- BioAge Labs ($BIOA (-3,54 %)
): Focus on longevity and metabolism; uses AI to research anti-ageing therapies.

- CytomX ($CTMX (-2,33 %)
): Develops "masked" antibodies that only become active in tumor tissue in order to massively reduce side effects.

- CRISPR Therapeutics ($CRSP (+1,52 %)
): The market leader in gene scissors; first commercial approvals for genetic defects already obtained.

From December 2025, the total expense ratio (TER) of the Gerd Kommer ETFs ($GERD (+0,05 %)
$K0MR (+0,17 %) ) was reduced to 0.45% p. a.. This is due to the rapid growth of the fund volume, which has exceeded the USD 1 billion mark within a short period of time. The resulting economies of scale are passed on to investors.

In addition, the ETF now benefits from the implementation of a securities lending program, as is customary for large funds. An above-average 80% of the additional income generated as a result flows into the fund assets, thereby increasing the financial benefit for investors.

$GERD (+0,05 %) has actually achieved a return of approx. 1% more than the ACWI IMI over 1 year, exactly as predicted. (With TER additional costs of 0.3%, i.e. an outperformance of +0.7%).

I am thrilled how perfectly Gerd Kommer has put his financial theory into practice - and therefore gladly prepared to pay the slightly higher TER of 0.5% !!!!

UPDATE after 3 years of existence:

Average 19% return per year - without noticeable volatility !

Running... :-)

Initially somewhat worse than the MSCI World, for example, but the last year even better

(because the MSCI World is now normalizing again after the tech boom years).

-> In the long term over >10 years it will be 1% more p.a. I still firmly believe that.

estimated reading time: 4 minutes

Twenty years ago, the new market crash wiped out my first stock market money and my ego. I swore off the stock market, but my pension certificate showed me that ducking out has an expiry date.

So the first attempts to start again followed. Here on Getquin, I have learned from positive critical voices from e.g. @DonkeyInvestor and @Epi that there is more to it than "just picking something". Since my last post 6 months ago, this was followed by extreme late-night brooding, Excel monsters, AI research, reading Kommer and countless "new agains".

I have tried to read up on modern optimization models such as Mean-Variance, Black-Litterman and Fama-French etc. and implement them in the best possible way.

The result was this portfolio!

As thoroughly tested as you can in a private garage, and coupled with the insight that we only have to leave the uncontrollable to chance.

And one thing first. I am convinced of this and will not change it.

I just want to share my thoughts and ideas about the direction with you. It's difficult to really explain every detail here, I'm sure I could do it better in a conversation, but that's not possible here. I can assure you that the selection and combination definitely makes sense - at least for me and the construct. Among other things, it was important to me to be able to control individual regions separately. I think I have achieved that.

Global (30%)

- SPDR MSCI All Country World, $SPYY (-0,26 %)

- L&G Global Equity UCITS ETF, $LGGG (-0,5 %)

- iShares Edge MSCI World Momentum, $IS3R (+0,65 %)

- Xtrackers MSCI World Value, $XDEV (+1,57 %)

- Invesco Global Active ESG Equity, $IQSA (-0,37 %)

- VanEck World Equal Weight Screened, $TSWE (-0,2 %)

- VanEck Morningstar Developed Markets Dividend Leaders, $TDIV (-0,96 %)

USA (31.5%)

- L&G US Equity, $LGUG (-0,35 %)

- iShares MSCI USA Mid-Cap Equal Weight, $IUSF (-0,29 %)

- JPMorgan BetaBuilders US Small Cap Equity, $BBCS (-0,11 %)

- SPDR MSCI USA Small Cap Value Weighted, $ZPRV (-0,18 %)

Europe (17.5%)

- HSBC EURO STOXX 50, $H50A (-0,91 %)

- L&G Europe ex-UK Quality Dividends Equal Weight, $LDEG (-0,55 %)

- SPDR MSCI Europe Small Cap Value Weighted, $ZPRX (-0,73 %)

Emerging markets (19%)

- iShares Edge MSCI Emerging Markets Value Factor, $5MVL (+2,29 %)

- UBS LFS MSCI Emerging Markets ETF, $EMMUSA (+1,43 %)

- L&G Emerging Markets Quality Dividends Equal Weight, $LDME (+0,44 %)

- SPDR MSCI Emerging Markets Small Cap, $SPYX (+1,6 %)

Japan (2%)

- L&G Japan Equity UCITS ETF, $LGJG (-0,25 %)

Ø TER = 0.25%

In summary, this gives the following breakdown

Regional breakdown

- USA (North America) ~ 48%

- Asia ~ 22%

- Europe ~ 22%

- UK ~ 3.6%

- Japan ~ 4.4%

Market capitalization

- Large Cap ~ 52%

- Mid Cap ~ 26%

- Small Cap ~ 22%

The portfolio deliberately allocates its capital to the regions and - where possible - to all capitalization classes. The world building blocks provide the global beta; value, momentum and quality satellites add factor premiums. In the USA, a complete large/mid/small stack provides a pronounced size bias, while Europe receives a value bias via quality and small value ETFs. The emerging layer combines large-cap value stocks, quality leaders and a small-cap module - a diversification anchor beyond the developed markets.

Due to the almost equal weighting of the 18 positions, the Herfindahl index of ETF weights falls to ~633; indirectly, the portfolio contains several thousand individual stocks. The weighted TER is ≈ 0.25 % p. a., spreads below 0.1 %. This means that, compared to a $GERD (+0,05 %) a favorable multifactor portfolio myself.

The factor tilts (value 42 %, size 35 %, quality/div ≈ 12 %, momentum ≈ 8 %) increase the expected volatility moderately to 18-20 % p.a.; however, historical data on small and value indices indicate 1-2 percentage points additional return over long horizons. Large caps remain present at around 52 %, mid caps at 26 % and small caps at 22 % support the size premium .

With my "multi-factor all-cap portfolio", I combine global market coverage with five proven premiums, without cost or concentration ballast. Of course, I will have to endure additional fluctuations, but I believe that I have created a robust source of returns over the long term.

I have tried to consider everything and leave nothing to chance, except the uncontrollable.

Anyone who has made it this far. Thanks for reading.

I'm looking forward to your feedback.

PS:

YES, I have Bitcoin😉 and also two themed ETFs. They just stay like that.

- ARK AI & Robotics ETF, $AAKI (+0,25 %)

- HanETF Future of Defense ETF, $ASWC (+0,74 %)

- ETC GROUP CORE BITCOIN, $BTC1 (-1,43 %)

---

no investment advice; DYOR

Thanks also to @VPT , @Mister_ultra , @Ph1l1pp , @ShrimpTheGimp , @MoneyISnotREAL , @Staatsmann and @Smudeo for commenting and providing approaches.

What I had planned to do:

• ETF ->

Besides the $VWCE (-0,21 %) which is my largest position in the portfolio so far, the ETF's $SMEA (-1,15 %) & $AEJ (+0,83 %) with a higher savings rate.

This approach is going according to plan. Due to a significantly higher salary as a result of completing my training, I am only changing the size of the savings plan here.

I just want to achieve the same buy-in here. However, to be honest, this is only for an optical reason.

• Individual shares ->

Some shares have clearly exceeded the 10% limit.

• $AAPL (-0,85 %)

I have been saving large amounts of money in the stock itself since November 24. At least until I started thinking about portfolio management and investment strategies.

As a result, Apple was the top position in my portfolio during the slump.

It is now in second place with 20% of the portfolio. But that doesn't look so good due to the red figures.

I have set up a savings plan for this, which I pay into weekly with a small amount.

The aim is to reduce my buy-in and this has worked well so far, from over 12% down to 8% down.

• $DTE (-0,49 %)

The share has been in my portfolio for some time, but has been in the red for a long time.

I had decided to $MSFT (-2,28 %) & $SIE (-1,15 %) to sell. Both shares have generated good returns and I have been happy with them so far. So I thought "why not?".

I reinvested this money and wanted to reduce my buy-in of the Telekom share. Let's see how that goes.

I don't have much to say about the rest of the individual stocks. You can take a look at the portfolio yourself and ask any questions you may have.

• Addition

Just a few months ago, I decided to split my salary at the end of the month on a percentage basis. This means that part of it goes into the custody account, part into the vacation account and part into the reserve account.

As I said, I was never taught how to handle money. This approach didn't work out at all.

Money came in -> money was divided up -> I ran out of money -> money was transferred back.

That sucks.

The only thing I never touch is the deposit. The custody account reminds me to grow financially and what my actual goals are. In addition, there are fees when selling, or the red numbers of the course: "if I sell now I have the amount "XY" REALLY made a loss.

Hence the attempt:

To put the portion of my vacation money into the Gerd Kommer ETF every month. $GERD (+0,05 %) every month.

If the money is invested. I can't blow it. Even if the attempt fails and I go down 10%. In the end, it's still more than nothing.

In an emergency, I can also sell a single share and buy or sell it afterwards at a good price. If the timing is bad for a partial sale.

Overall, I can't get rid of the feeling that I should at least give it a try. I've been thinking about it for a while now.

I'm just still unsure whether the accumulating ETF was the wiser decision.

Thanks for reading and for your attention :)

Because I can see that some people are slowly approaching their entry level with their ETFs, here is some food for thought:

If you've always had your eye on other stocks but didn't want to sell for tax reasons, now is the chance to sell your $VWCE (-0,21 %) and invest in $GERD (+0,05 %) or one $WEBG (-0,25 %) or other ETFs that you only discovered after your savings plan has been running for a few years. 😘

actually fits very well into my multifactor portfolio. Of course I didn't buy it myself, it seems to be a promotion from the new broker I brought on board for Epi's 3x GTa4-Ramba Zamba certificate. But a single share of this (is that what ETFs are called?) suits me, I think.

Good evening,

I would like to invest a five-figure sum for my parents.

The plan was to invest in an ETF for 3-5 years, which is accumulating and has medium to low risk

Not so long ago, I came across the Kommer ETF $GERD (+0,05 %) in an article.

Now the question is, are the costs in relation to the risk, at 0.5% they are no bargain ?!

The other option would be a portfolio with several ETFs.

An MSCI World with associated EM would not be the favorite, at least not in the classic style.

Thank you very much👍

LG Mark