Mommy gets a deposit for Christmas.

Age: 60

Financial knowledge: zero

Interest in the topic: zero

Tax residency: Germany

Savings rate: 100 € per month

The custody account is to contain starting capital and savings plans and would probably be fed by me with €100 per month.

But how can I sensibly structure a custody account with such a short investment horizon? Because we already know that mommy will have a large pension gap and so far nothing has been done about it...

My original ideas were:

a) 100% $VWRL (-0,91 %) alternative an ACWI

or

b) 50% $VUSA (-1,13 %) or MSCI USA

35-40% $WEXU (-0,41 %) ( MSCI World ex USA)

10-15% $VFEM (+0,28 %) or $EIMI (+0,06 %)

But if you now think about the short investment horizon and the pension gap, perhaps something like the following would make more sense:

c) 50% $HMWO (-1,05 %) or $WEXU (-0,41 %) but this is only available on an accumulating basis

50% $JEPQ (-1,13 %)

What do the professionals among you say? Has anyone tackled a similar situation? What are your ideas and suggestions?

I'm actually quite happy with my position at the moment, but I think I want to improve my $MC (+0,4 %) and $VFEM (+0,28 %) as I already have $VWRL (-0,91 %) already have emerging markets in it.

Do you have any suggestions for expansion?

Doesn't have to be long-term, higher risk is also not a problem.

Review of an exciting year on the stock market

Last year was a real milestone for me in many respects. Even though I have posted less recently, I have by no means been idle. On the contrary, I consistently implemented my "div & hodl" strategy and was able to achieve several personal goals at the same time. For example, I passed the CHF 25,000 mark - and shortly afterwards also crossed the psychologically important CHF 30,000 line!

My current strategy and dividend milestones

-Core portfolio (70/30): The core consists of two ETFs - an all-world ETF ($VWRL (-0,91 %)) and an emerging markets ETF ($VFEM (+0,28 %) ).

-Dividend targets: Since 11.12.24 my first target of CHF 250 per year has been ticked off. The next interim target is CHF 500, followed by CHF 750 up to the target of CHF 1,000 per year.

-CryptoIn addition to my ETF investments, I am continuing to save in crypto - a small but nice $BTC (+0,72 %) -position via dollar-cost averaging (DCA).

Outlook: Where the journey is going

For the coming year, I plan to continue working towards my dividend targets and exceed the CHF 500 mark. I want to maintain the tried-and-tested 70/30 ratio, using every quarter or so for rebalancing. In addition, I'm staying on the ball with my BTC DCA approach - even though crypto is definitely not for the faint-hearted, for me it is part of diversification in small doses.

Conclusion

Patience, continuity and a clear plan: these are the ingredients that have helped me achieve my financial milestones this year. From the first dividend target (CHF 250/year) to the CHF 25k threshold to CHF 30k - it all goes to show that long-term investing still works best when you stick to your plan and invest steadily despite market fluctuations. I am looking forward to the next stock market year and am excited to see what hurdles we will overcome together as a community.

Stay invested and happy new year!

#etfs

#dividends

#crypto

Source image: DALL-E

The Brazilian Development Bank (BNDES) has extended a loan of 690 million US dollars from the China Development Bank from the China Development Bank. The funds are intended to support projects to promote sustainable infrastructure and renewable energies in Brazil. This financing reflects the increasing economic cooperation between Brazil and China, particularly with regard to the expansion of environmental technologies and infrastructure projects.

Further information can be found in the article on MarketScreener.

The news is based on what I personally consider to be reputable sources. However, I do not guarantee their accuracy. No investment advice. Follow me for further updates!

$XMME (+0,28 %)
$VFEM (+0,28 %)
$VFEG (+0,39 %)

What do you think of the combination of $VUSA (-1,13 %) and $VFEM (+0,28 %) and $EXSA (+0,13 %)

Thumbs up for good/ thumbs down for bad

If you have any suggestions for improvements, please write them in the comments ⬇️

A magical moment ❤️

Over 100k deposit size for the first time. Let's see how sustainable the current valuations are, but it's still something special for me to have reached this amount.

I've been invested since the end of 2020 with a lot of back and forth, but I think I've now found a strategy for myself.

The individual stocks are at $MCD (+0,5 %) and $MNST (+4,14 %) in the portfolio for personal reasons. In other words, I actually eat the cake from time to time and drink too much energy 🙃 (and because I can't completely say goodbye to individual stocks - it's just more fun). $BATS (-1,84 %) was a turnaround bet that worked out and remains in the portfolio due to the high dividend. However, I am also fundamentally convinced by all three.

The ETF $TDIV (-0,63 %) and $VHYL (-0,58 %) are my mainstays and will be expanded further. $VFEM (+0,28 %) The Emerging Markets ETF is included because I wanted to overweight the emerging markets, which seems to be working out quite well at the moment. Let's see how that develops. If the tech valuations come back at some point, I will also put a portion back into the $VWRL (-0,91 %) again. At least that's the plan 😉

Today I was able to make my next investment in the $VFEM (+0,28 %) in the I am therefore almost back to an allocation of 70/30 between $VWRL (-0,91 %) and $VFEM (+0,28 %)

Milestone & extension:

Hello everyone :)

After 3.5 months, I have now crossed the CHF 10k threshold. At the same time I have additionally $VFEM (+0,28 %) into the boat and increased the weekly savings amount from $BTC (+0,72 %) at the end of January.

In my opinion, the current situation is very euphoric, but I'm looking forward to being able to strike again when prices are lower.

My posts are limited, but I am still happy to share my experiences with you.

Best regards and happy investing

superhero