Hi everyone,

I am 21 years old and have been actively investing myself since 2019, before that my parents started investing money for me.

Now I started working at the beginning of the year and can currently invest €1000 per month, but I'm thinking about increasing it again if necessary, as I have enough left over at the end of the month.

I am currently saving $BRK.B (-2,3 %)
$NVDA (-4,65 %)
$AAPL (-5,78 %)
$MSFT (-3,03 %) and $META (-3,88 %) with 50€ each.

The ETFs $UST (-3,22 %)
$LYPS (-3,91 %)
$LYY7 (-3,12 %)
$IWRD (-3,17 %) and $LOCK (-4,31 %) with 150€ each.

I would like some feedback on what you think about diversification in the savings plan, or whether I should invest more in shares at a young age.

I will also be joining Trade Republic next month and will also be focusing on short-term trades as I have been looking into this a bit more recently.

I look forward to your feedback and what could be adjusted in general.

Best regards!

Savings plans Feedback

Hello dear GQ community, I just wanted to share my savings plans and get some opinions on whether it all fits.

These 6 ETFs currently make up ~70% of my portfolio and are to be expanded in the long term. They all have the same weighting at the moment, with the MSCI World getting a little more.

I am 19 years old and would like to build up a long-term portfolio, and these 6 ETFs looked attractive at the time and are doing quite well so far (all about 1 year old)

$ESGB (-1,12 %)
$CSPX (-3,79 %)
$IWRD (-3,17 %)
$IGLN (+0,12 %)
$EIMI (-5,13 %)
$n/a (-2,63 %)

Question for the community

Is the $XDWD (-3,28 %) better than the $IWRD (-3,17 %) ?

Because I'm thinking about switching.

My savings plans for March were added🐸

50€ $IWRD (-3,17 %)

50€ $O (-2,09 %)

25€ $AAPL (-5,78 %)

25€ $MCD (-1,04 %)

25€ $ISPA (-5,38 %)

25€ $NVDA (-4,65 %)

25€ $AEJ (+2,05 %)

25€ $FLXI (+0,76 %)

Looking forward to the €3000 mark soon 💪🏼

Hello Getquin Community,

I have listened to your opinions on my portfolio and have reconsidered my savings plans.

My savings plans are currently at 325€

13x 25€

5 of these are different ETFs

$IWRD (-3,17 %)

$IWDP (-2,47 %)

$VHYL (-2,38 %)

$EXXW (+2,2 %)

$SPYM (-5,8 %)

I am now considering restructuring and building up more focus and a larger core of ETFs.

I am considering increasing the first 3 ETFs to €50 and leaving the others at €25 and then adding 4 individual stocks for €25 each.

But I am still looking for an ETF with countries from Europe.

What do you think of this plan?

900€ set aside in February.

Purchased were

$SBUX (-3,89 %) (100€)

$PG (-1,04 %) (100€)

$SHEL (-4,31 %) (50€)

$IWRD (-3,17 %) (250€)

MSCI World Switch -

I am currently toying with the idea of switching the MSCI World from $IWRD (-3,17 %) to $HMWO (-3,04 %) change. The reasons are simple at first:

• Lower TER = 0.5% vs 0.15%
• Higher dividend yield

As the ETF is the basis of my portfolio, I want to hold it for the long term.

Now to my concerns. Back and forth is known to empty your pockets. As I am registered in Switzerland as a non-resident taxpayer with DKB, I would not have to pay tax on the capital gains to date. So much for the theory, but there is still some doubt. It would be a shame if I had to pay tax on my previous capital gains, as the tax expenditure would eat up the exchange gains on the MSCI World for years to come.

Please give me your feedback: stay with the tried and tested or make the switch?

Have a nice Sunday

This month the savings rate is a little "lower" because a NYC trip was booked. Previously, this would have made me more stomach ache to spend so much money on a trip and I really wanted to invest every penny. Now I'm looking to fill the "life return" with as many experiences as possible, since now is the time when you are most vital and can make a lot out of your money and travel. If that means reducing the output, I'm willing to do it 🗽.