Yesterday I sold all my shares and switched into my two 70/30 World/Emerging Markets ETFs.

I thought it might be of interest to some of you, so here is all the information:

I held individual shares with Trade Republic, €32,000 in total.

The sale took place in a matter of seconds. The money was held by Trade Republic at €15,000 at Deutsche Bank, the rest went into the money market fund. (Info under Cash - how your available cash is distributed)

After the sale, I immediately initiated the transfer to my account at Ing, where I hold my ETFs.

Transfer initiated at 11:45 am Arrival of the money at ~16:30 pm (unfortunately I did not receive a push notification)

As soon as the money arrived, I went straight back into the market and split it into the $HMWO (-0,4 %) and $IEEM (+1,93 %). I took the opportunity to rebalance straight away.

And now the question: why all this?

Did I no longer think the shares were worth buying? Yes and no.

I've learned a lot over the last few years and I've also learned the hard way. I bought good shares and made a profit and also bought shares that I sold at a loss.

The savings plan on the ETFs always ran alongside this.

I decided for myself that my core should really be the core and not 50% ETFs and 50% shares, as was the case in the meantime. Because I saw opportunities in so many shares.

This does not mean that I will no longer buy and hold shares, it just means that I now really hold a large part of my assets in ETFs.

I've never thought about selling ETFs before, but I do buy and sell shares from time to time.

I may have beaten the market for a year, but not in the long term.

And with this knowledge, I can now take the market return in my stride.

My goal was to hold 100k in shares (ETFs) by the time I'm 30. Because mathematically it would be enough to retire as a millionaire.

I haven't managed that yet, but I still have 10 months until I turn 31 for the last 15k.

I have the money in cash, but I just feel more comfortable having a cash cushion than being invested all in the market now.

I hope I've been able to explain my point and haven't completely stolen your time.

I look forward to your suggestions or opinions in the comments.

Here's to a green week.

*Edit:

Arrival of the transfer at 14:16 according to Trade Republic.

I paid a total of 116€ capital gains tax on the sale of shares. I had a full loss pot and first sold the shares at a loss and then those at a profit.

So the decision was not a big disadvantage for me in tax terms. (Despite shares with more than 100% profit in some cases)

4-5% of the total volume

Hello everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (-0,41 %)
• Emerging markets, $EIMI (+1,92 %)
• AI and big data, $XAIX (+2,2 %)

Smaller side bets were added later.

• Armaments, $DFEN (+1,44 %)
• uranium, $U3O8 (-0,19 %)
• batteries, $BATG (+0,7 %)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (-0,23 %) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (+4,71 %) ,$1SXP (-0,41 %) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (-0,69 %)
• $VHYL (-0,81 %)
• $ZPRG (-0,51 %)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0,4 %) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (-0,33 %) , 34 percent
• $IEEM (+1,93 %) , 26 percent
• $XAIX (+2,2 %) , 13 percent
• $EXSH (-0,63 %) , 26 percent

Side bets with 81 euros per month

• $DFEN (+1,44 %) , 62 percent
• $BATG (+0,7 %) , 10 percent
• $QYLE (+0,4 %) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

Hi ,

my name is Karsten . I have lived all the years of my life without paying much attention to stocks and stock markets. At some point I completed my VWL and saved monthly in a European equity fund, then a fund policy was added, which at least put its amounts into a good international equity fund. In 2020, I then started to get to grips with the stock market and saved monthly in ETFs - without going into the typical beginner's mistakes in detail :-) sometimes more, sometimes less, wildly into various ETFs, so that at some point there was an ever-increasing number of ETFs with a savings rate of around € 150 :-) 2024 then gradually gathered more information and for about a year now a consistent monthly savings rate in six ETFs, which I am happy with:

45% $IS3R (+0,65 %)

15% $VNRA (-0,27 %)

11% $LCUJ (-0,18 %)

11% $IEEM (+1,93 %)

11% $MEUD (-0,81 %)

7% $WSML (-0,36 %)

A few months ago I started to read more and more information about individual stocks, valuations, strategies etc. ..... And here I would just like to say thank you to many people here, for example @BamBamInvest , @Multibagger , @Tenbagger2024 , @Aktienfox and others !

I started investing in individual stocks about 3 months ago - 85% is consistently put into savings contracts, 15% of the capital is for individual stocks. I thought to myself, hey - people spend € 100 on golf or fitness clubs - if you have such expenses, these funds are invested in further stock education :-) The first month was a plus / minus zero game ( so better than the monthly fee for the golf club ), the last two months have averaged € 450 plus with a lot of learning effects and moments - what a pleasant situation : € 300 were put into the monthly savings plans and thus doubled the savings rate, € 150 invested for the family ( food / cinema ) - I am already aware that there are currently strongly rising prices / markets and it requires rather a certain skill not to make these small profits in this momentum. In any case, for the time being I've only looked at momentum / short-term stocks and now with $AMZN (-1,64 %) and $QCOM (+2,83 %) also invested in two stocks that I see as longer-term investments.

In any case, a big thank you for this community - it broadens my horizons immensely, including the fact that I now know many companies that are, for example, in the $VNRA (-0,27 %) and $WSML (-0,36 %) are listed !

If I have something meaningful to say, I will be happy to speak up more in the future, but I grew up with the value system "If I can't contribute anything, I'll just shut up" or as Roger Wilhelmsen once said so beautifully ." Where do most people get all their ignorance from"

Hi to the community, this is my 🥇 post here on getquin.

I started investing in the stock market and crypto market in 09/2022. Unfortunately a bit late at 24, but better later than never!

I would be interested in your opinions/suggestions/suggestions for improving my portfolio!

Briefly my perspective:

- This $BTC (+0,15 %) (and crypto in general) will be my largest position was never really planned that way, but of course I still like the returns. Crypto savings plans are currently paused because of the high price level and because I want to increase the ETF/share proportion.

- Otherwise, I'd say I'm using a core satellite strategy quite successfully $IWDA (-0,45 %) , $IEEM (+1,93 %) , since 2024 also $TDIV (-0,96 %) for cash flow in the portfolio and some individual stocks.

- My portfolio has never been cleaned out, but I plan to do that for the first time this year. Insb. $INRG (+0,97 %) and $MCF (-24,32 %) with high book losses are candidates to fill the loss offset pot and reduce the tax burden.

PS: Many crypto positions are so small because they were free giveaways on Bitpanda at the launch.

Hi all guys!!!

I would like to share with you my ideal portfolio allocation, as read from the title it is still a work in progress, I am slowly adding positions as opportunities arise.

A little context: I am 24 years old, a final year medical student, and I am slowly putting money aside that I can invest both through my part time job (preparing for the medical test and tutoring for first year exams) and through the savings I already had set aside. The platform I currently use to invest is Directa.

Let's say that my goal at the moment is to reach over the years an invested amount of 50k euros in ETFs and distribution stocks, ideally distributed as follows:

CORE

-30k in growth-oriented developed markets etf (10k/30k)

Those selected are. $FGEQ (-0,61 %) (10k/10k) , $TDIV (-0,96 %) (0k/10k) and $HMWO (-0,4 %) (0k/10k), so as to have income every month, as they distribute alternately;

SATELLITE

-5k in emerging markets etf (0k/5k)

I chose $IEEM (+1,93 %) to diversify;

-5k in high-distribution etf (2.5k/5k)

In this category I own. $VHYL (-0,81 %) ;

-5k in active option-based etf (5k/5k)

Here I have already completed my position in $JEGP (-0,63 %) , which by the way distributes monthly ;

-5k in single Italian stocks (0k/5k)

In this category I have already selected some of the possible additions, such as. $PST (+0,53 %) , $ISP (-0,23 %) e $TRN (-0,31 %) , but at the moment the prices are too high and I am not willing to buy now;

Considerations and Strategy Explanation: I start by saying that I know that at my age it would be better to buy accumulation instruments for the best taxation and growth over time, but personally the idea of receiving a monthly cash flow (albeit still small) without having to do anything at all has an important psychological impact, and seeing it grow slowly gives me a lot of satisfaction and motivates me to continue on this path. I started immediately by positioning myself on high-dividend etfs such as $JEGP (-0,63 %) e $VHYL (-0,81 %) so that I already had a small boost in the strategy; I hoarded $FGEQ (-0,61 %) during the first week of April by taking advantage of the flash crash that took place, and now I am accumulating liquidity in anticipation of another possible reversal: ideally the next move will be to start accumulating shares of $TDIV (-0,96 %) to diversify in currency as well: last note, the etfs chosen are also from different issuers so as to diversify in this aspect as well.

Let me know what you think!

I'm due to make an annual adjustment to my savings plans.

I have the following picture in mind:

Category
ETFs
Monthly share (total: 630 €)

1) Global broad (Core)

$VWRL (-0,2 %) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (-0,81 %)
$EUHD (-0,14 %) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (+0,17 %)
$XNGI (-0,15 %) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (-0,81 %)
$WSML (-0,36 %)
$IEEM (+1,93 %) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-1,09 %) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)

Hello dear GetQuin Community.

I would be interested in your thoughts on the following positions, I have been thinking about investing in them for a while.

What do you think?

$IEEM (+1,93 %)

$AI (-1,02 %)

$CVE (+0,67 %)

$NOVO B (-1,68 %)

$TSM (-0,56 %)

Hi getquin community,

my first post so bear with me :).

As you can see from the title, I'm looking for Etf's at ING that are suitable for savings plans, as the junior accounts have finally been activated. I want my children (she 9, he 5) to have a small financial cushion in the stock market when they come of age, in addition to the classic savings we have started since birth.

The following considerations:

I suspect that some people will recommend an accumulating ETF, but I would like to motivate them to continue saving at 18 and see the dividends as a psychological "motivation" to do so.

100% in the $VWRL (-0,2 %)
80% in the $VWRL (-0,2 %) and 20% in the $IEEM (+1,93 %)

I know, not exactly the most exciting strategy, hence the post for a bit of input from the community.

Have a pleasant Sunday evening.

Greetings

Hello everyone,

I'm from Spain and I'm following a dividend investment strategy as I want to take advantage of the relatively low tax burden of only 19% on dividends in Spain. My portfolio is a combination of ETFs and individual stocks, trying to find a balance between growth and high dividends, as well as between developed and emerging markets.

First, an overview of my ETFs, which I can divide into two categories:

• Emerging Markets:
• $IEEM (+1,93 %)
  iShares MSCI EM ETF: Growth-oriented (Growth)
• $HDEM (+0,17 %) Invesco FTSE EM High Dividend Low Volatility ETF: High dividend yield (High Yield)

• Developed Markets:
• $ISPA (-0,69 %)
  iShares STOXX Global Select Dividend 100: High dividend yield (High Yield)
• $GGRP (-0,94 %)
  WisdomTree Global Quality Div Growth: Growth-oriented (Growth)

These ETFs cover different regions and strategies: some focus on dividend growth, while others target high dividend yields. I also have positions in both emerging and developed markets.

My individual stocks:

• $O (-0,28 %)
  Realty Income because it is the typical dividend stock that almost everyone has and it is known for stable monthly distributions.
• $EOG (+1,07 %)
  Resources I like because of its strong ability to grow dividends and solid growth potential in the energy sector.
• $CB (-1,15 %)
  Chubb Limited I have included in my portfolio because Warren Buffet has invested in them. They also offer good dividend growth and have strong upside potential.

I would be very interested to hear your thoughts: Do you think this strategy has potential for success in the long term? Are there areas where I might need to diversify or consider a different approach?

Thanks in advance for your opinions!

This text was created with the help of artificial intelligence, as I am not a native speaker of German.