When Obi-Wan defeated me and left my body to the flames I went to Switzerland and luckily I had a good health insurance there, otherwise this would have meant a big financial hole in my plans for the conquest of the financial galaxy.

Let's get to the point:

Unexpected life events, whether it's a sudden job loss, a large medical bill or a family crisis, can throw even the best financial plans into disarray. Even if you have built up a solid nest egg, there are situations in which this is not enough. Then a key question arises:

What do I sell first when things get financially tight?

We take a hypothetical but realistic look at this, focusing on common asset classes such as broad global ETFs, crypto, gold (physical or ETF) and other valuables. The aim is to minimize long-term damage and maximize liquidity.

1st basic rule: minimize liquidity & losses

Before you sell everything in a panic, it is important to take a structured approach. The most important criteria:

LiquidityHow quickly can I get the money?

Loss potentialHow high is the potential price loss or "price discount" in the event of a sale?

Future opportunities of the investmentWhat else could develop well in the long term?

2. the asset classes in the emergency check

A. Broad World Index $VWRL (-0,27 %)

$FWRG (-0,3 %)

$IWDC (-0,38 %)

+ High liquidity, low transaction costs

- Selling at price lows can hurt (loss realization).

RecommendationOnly sell if necessary. Broad ETFs are the backbone of long-term wealth creation. A (partial) sale should be considered, especially when the markets are currently down.

B. Cryptocurrencies $BTC (+1,04 %)
$ETH (+0,47 %)

+ Can be liquidated very quickly

- Extremely volatile - risk of selling at low prices.

RecommendationIf the price is currently high, it may make sense to sell. Otherwise, crypto should rather be considered "risk capital".

C. Gold $ZGLD

+ Often stable in crises, good value retention

- Physical gold more difficult to sell (time, effort, possibly lower prices).

RecommendationSell ETF gold before physical gold, as it can be liquidated more quickly. Gold is generally a good emergency buffer, but more likely to be sold after crypto if it is not the main component.

D. Other valuables (e.g. electronics, jewelry, collectibles)

+ Quick to turn into cash, often with no impact on the portfolio

- Significant loss of value on second-hand sales.

RecommendationIf the items are not essential or are hardly used, sell them. Long-term wealth creation does not suffer here.

3. one possible strategy: staggered sale according to risk share

Instead of pulling everything out of one asset class, you could consider Sell proportionally according to risk, this way your target weighting remains roughly the same.

4. psychological factor: avoid panic selling

In a crisis, the temptation to turn everything into money is great. However, hasty decisions can be expensive in the long term. If possible, talk to a financial advisor or a trusted person before making any major sales.

5 Conclusion: Keep a cool head, act wisely

In a real emergency, it's not about investing cleverly, but about surviving and stabilizing. Nevertheless, it is worth having a well thought-out plan to minimize the consequences for your future.

Short form of my theoretical strategy from first sell to last.

1. sell unnecessary things first (valuables).

2. liquidate crypto when prices are right.

3. gold ETF before physical gold.

4. world ETFs only if really necessary.

Alternative: If possible, liquidate proportionally instead of just one position completely.

Tip: Create a personal "emergency sales strategy" today so that you don't have to make decisions under pressure in an emergency.

And now you! How would you proceed?

A financial emergency is never pleasant, but being well prepared makes a difference. That's why I'm interested in your opinion:

• Which investment would you would sell firstif push came to shove?

• Have you ever thought about an emergency liquidity strategy made?

• Would you rather liquidate a position completely or slightly touch all of themto maintain the weighting?

• Does emotion play a role for youe.g. with gold or crypto

Share your thoughts, experiences or strategies in the comments! Perhaps we can collect a few good ideas together for an emergency.

Your Lord Vader!

#investment
#langfristig
#notgroschen
#notfall
#strategie
#etf
#krypto
#gold

$VWRL (-0,27 %) is finally my biggest position in my portfolio. This position wants to be a lot bigger.

Dutch Youtube channel Meneer Vermogen

#stocks
#investeren
#aandelen
#vwrl
#etf

The ETF engine starts up again - first savings plan execution in July:

➡️ €500.07 invested in the FTSE All-World ETF

➡️ Purchase of 3.891 units at € 128.52 each

Long-term, global, forecast-free - the classic.

I deliberately keep my strategy simple: track the world, invest regularly and let it run its course.

How are you doing?

Have you already implemented a savings plan? At the beginning, middle or end of the month?

I'm looking forward to the exchange! 🚀📈

#Sparplan
#ETF
#FTSEAllWorld
#BuyAndHold
#Finanzen
#Getquin
#Vanguard
#Vermögensaufbau
#JuliInvest

Hi folks,

I also wanted to take the opportunity to ask the community for advice. I'm still quite new here (started in January 2024) and have been thinking about changing my ETF savings plan strategy for a few weeks. I am currently saving the 5 ETFs you see in the screenshot below, each with 200€ / month.

$XDWD (-0,24 %)
$IUIT (-0,15 %)
$CSNDX (-0,04 %)
$VWRL (-0,27 %)
$VUSA (-0,11 %)

However, I've been thinking more and more about stopping either the S&P 500 Info Tech. or the NASDAQ 100. I actually have two ETFs in mind. Divided into distributing and distributing per world and with a focus on the US, which would then be the case.

However, in recent weeks we have been reading more and more here and in other media about the $TDIV (-0,9 %) and also from $JEGP (-0,21 %) .

I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (-0,9 %) and $JEGP (-0,21 %) tempted to expand after all 🙈😅

What would you advise me to do? My investment horizon is 30+ years. In addition to the €1,000 in ETFs, I save €1,000 a month to invest in individual shares.

Completely different ideas for the constellation are also welcome. I like to be inspired and think about it.

PS: before I forget, a huge thank you to this great community, which has made my start in investing much easier. The daily posts and discussions are fun and expand my knowledge from day to day. A positive side effect is the reduced consumption of other social media 🤣

Enough said, I look forward to your feedback. Have a nice rest of Sunday everyone!

John

Hello, here is my current portfolio. With a current return of -3.77%. How would you rate it?

My savings plan:

70% $VWRL (-0,27 %) Core

15% $WGLD (+1,08 %) - I am convinced of gold

15% $MEUD (-0,98 %) - Patriotic, deliberately overweight Europe

+ occasional BTC purchases.

$MSTR (+1,43 %) and $CSNDX (-0,04 %) are sold as soon as they are green and regrouped. Realizing losses probably makes no sense here?

$O (+0,5 %) is on my wish list for the monthly cash flow...🤔😅

Very tasty - thank you!

Why is the JPMorgan ETF underperforming? $JEGP (-0,21 %)
$VWRL (-0,27 %)

Covered call strategy limits price gains:

• The ETF cannot fully participate in strongly rising markets as the option premiums cap the price gains.

Defensive structure in a falling market does not help here:

• The decline in March/April was sharp - apparently the option strategy was also unable to cushion the losses. cushion the losses.

Dividends are not visibly taken into account:

The real effect on earnings (e.g. through distributions) could be higher, but is not fully not fully priced into the share price priced into the share price.

Hello everyone,

Since I and my portfolio have recently exceeded the €50,000 mark, I wanted to take this as an opportunity to present my portfolio and my strategy to you. I look forward to your opinion, assessment, criticism and potential for improvement.

About me: I am still 29 years old and work as a team leader in an industrial company in the building materials sector. In terms of education, I feel I've been through all the stages - from a qualifying secondary school certificate to A-levels and a bachelor's degree to a master's degree. The only thing missing is a doctorate 😌

About the overall strategy: My assets are divided between my share portfolio, a condominium and a call money account. I live in your apartment myself. I wouldn't consider renting or real estate as an investment because I think the risks of having to invest money again are too high. You can also suspend the savings plan in your portfolio from time to time. So the apartment is held for as long as it is occupied and then sold when I buy a house.

About the equity strategy: I'll try to summarize this briefly

• Allocation: core-satellite strategy. So core for me is any ETF, satellites are the individual stocks. Core should make up about 80 percent, the individual stocks 20 percent. The buy-in for the individual stocks is always 2000 euros.
• Selection: Dividend strategy - the dividends of the ETFs are reinvested in them, the dividends of the individual shares go into an ETF.
• Buy and hold
• Special feature: I received a loan from a close relative for my apartment, which is repayable on maturity after 8 years. Due to some lucky coincidences, I had the money back together one year after the purchase. So instead of letting it sit in an overnight deposit, I invested it at the beginning of 2024 - with very good timing.

Stock selection and savings plan:

• $VHYL (-0,47 %) The big core - I think the ETF is good because it is broadly diversified and has a good, reliable distribution. I am not currently saving in the ETF. Only the remaining shares from the beginning of 2024 are transferred from the second custody account (I transfer cash to a separate account and make a custody account transfer from the second custody account to mine. The loan amount will then accumulate there).
• $VWRL (-0,27 %) Will be my new second large core and therefore currently saved with 500 euros per month.
• The following individual securities are currently fully saved: $ALV (-0,73 %)
  $BAS (-2,53 %)
  $EOAN (+0,25 %)
  $BATS (+0,29 %)
• As soon as the core share is over 80 percent, further shares are transferred from the second portfolio. $SIE (-1,67 %) shares are transferred from the second portfolio. The total buy-in is therefore also EUR 2000.
• The following stocks are still included in the second portfolio and are transferred bit by bit - whenever there is money and depending on the core share in my portfolio: $VHYL (-0,47 %)
  $VWRL (-0,27 %)
  $PEP (-0,62 %)
  $SIE (-1,67 %)
  $DHL (-2,09 %)
  $VOW (+0,23 %)

Further strategy:

At the moment I feel comfortable with the strategy and until all individual stocks etc. have been transferred to the main portfolio. It will take some time before all the individual stocks etc. are transferred to the main portfolio. In the long term, I am considering $TDIV (-0,9 %) with a 10 percent share. I will then select individual stocks in the future, but e.g. $RIO (+1,4 %) , $MUV2 (-0,44 %) or $MAIN (+1,7 %) I could well imagine.

Looking forward to your comments on this boring strategy 😌