Hello dear community,

First of all, I would like to thank you all here. I've been here for almost a year now and am trying to learn as much as possible.

I've had some tough times myself and have been rebuilding my portfolio since October. My friends are already saying ironically that I should stop investing because whenever I buy something it falls afterwards. That's why I've spread everything out and everything has really fallen. Even gold.

But that's not the point now. I'm convinced of my satellites in the long term and won't sell anything with a big loss.

What I'm still missing is a core ETF. Here I have chosen the $SPYI (-1,53 %) chosen.

Now it's about the right implementation.

My gut feeling tells me that there should be a small setback soon. There has hardly been a year in which it has never gone down and since May it has not even gone down more than 2% without being bought again immediately. Or am I saying the wrong thing here?

I hold over 40% cash and am now thinking about the best way to do this. I know that time in the market answers are coming but do you really think that applies in the current situation? I recently tried going long and short on the Nasdaq-100 for the transition. Unfortunately, the bottom line is that I lost more than I gained. How would you react now? Wait for the setback? Continue long and short in the current situation? Invest 30% in the core immediately and then let the savings plan run? Put everything in and hope that there will be no setback in 2026?

Have a nice weekend everyone!

Dear getquin community

Having been a silent reader here for a few months now, I would like to briefly introduce myself and my journey so far. Before I do, however, I would like to say a big thank you to everyone who regularly shares very exciting posts here and helps this community to grow. You are not only convincing in terms of content, but also create a really pleasant atmosphere in the forum with your appreciative way of writing.

My Story

Against the background and with the expectation of a substantial inheritance, I have been looking into investment opportunities as a complete newcomer to the stock market since the beginning of 2025. As I wanted to gain some experience first, I started investing my annual savings on a trial basis instead of paying off my mortgage as usual.

I started with an investment in $SPYI (-1,53 %) . As I didn't like the heavy weighting of the USA, in a second step I tried to build up a 35/25/30/10 ETF portfolio with a weighting of the world regions by GDP. The result did not convince me due to the complexity (at times over six ETFs → manual rebalancing effort) on the one hand and the manageable long-term return prospects on the other. In the meantime, I had the idea of investing in slightly better-performing and riskier thematic ETFs such as $SEMI (-2,26 %) and $XAIX (-2,98 %) but in the end this only led to an even more complex setup.

I then decided to try a buy-and-hold approach based on individual stocks, but was quickly impressed by the return prospects of riskier stocks. So - also influenced by posts here in the forum - I went all-in at the beginning of November with $IREN (+0,42 %) at a buy-in of around € 61 at the time. I now know that this impulse is called "FOMO" 🙂. When a sharp correction immediately began, I realized that return also means risk and that timing plays a role when buying individual stocks. Encouraged by posts here in the forum, however, I didn't sell in a panic, but continued to buy during the correction phase until I was able to reduce my buy-in to €45 at the end of December.

I am now slightly in the green again and the further prospects do not currently motivate me to sell my shares. I am setting myself a price target in the region of the old ATH in order to then reduce the position to a more reasonable size and restructure my portfolio. If I am satisfied with this, I will also invest the larger sum from the inheritance. At the moment, I can imagine a core of $VWCE (-1,88 %) , $TDIV (-1,36 %) and @Epis 3xGTAA Wikifolio Index as well as a somewhat smaller portion for selected, higher-risk stocks. There are numerous well-founded ideas for the individual stocks here in the forum, for which I would recommend, among others@Multibagger , @Tenbagger2024 , @Iwamoto and @Shiya are very grateful.

It's fun to be here.

$CSPX (-1,13 %)
$IWDA (-1,63 %)
$EIMI (-3,28 %)
$CSNDX (-1,51 %)
$VUSA (-1,12 %)
$VHYL (-1,22 %)
$SPYI (-1,53 %)
$HMWO (-1,4 %)

https://www.whitehouse.gov/fact-sheets/2025/11/fact-sheet-president-donald-j-trump-strikes-deal-on-economic-and-trade-relations-with-china/

President Trump announced an economic and trade agreement between the USA and China:

- China suspends all retaliatory tariffs and non-tariff measures imposed since March 4

- China issues new general licenses for the export of rare earths and suspends new export controls.

- China pledges to stop the flow of fentanyl to the US

- China will buy at least 12 million tons of US soybeans

- The USA reduces tariffs on Chinese goods by 10 percentage points

The biggest de-escalation in relations between the US and China since the start of the trade war.

China 🇨🇳 will suspend all retaliatory tariffs and non-tariff measures in place since March 4, lift export controls on rare earths, issue global licenses for rare earths and critical minerals such as gallium and graphite, and commit to buying 12 million tons of US soybeans this year and 25 million tons annually through 2028. China will also take "significant measures" to stop fentanyl shipments to the US.

In return, the U.S. 🇺🇸 will reduce tariffs on Chinese imports imposed to curb fentanyl trade by 10 percentage points of the cumulative tariff rate, effective November 10, 2025, extend Section 301 tariff exemptions through November 2026, and suspend new export control measures for one year.

Hello everyone,

In this post I would like to talk a bit about my portfolio and my journey so far.

I started investing through Oskar when I was 16, when I started my apprenticeship as a chef. At the beginning of this year, I finished my apprenticeship and decided to take the whole thing into my own hands - away from Oskar and towards my own research and portfolio.

I'm currently 20 years old and save €1,000 a month for my portfolio.

I bought a motorcycle in the summer, which set me back a bit financially. As a result, my portfolio value is currently below €20,000 again.

My strategy is currently a classic buy-and-hold strategy consisting of gold, Bitcoin, an all-world ETF and a few individual shares in which I have long-term confidence.

About my portfolio:

40 % $SPYI (-1,53 %)

30 %$BTC (+0,59 %)

30 % $EWG2 (-1,59 %)

(@Epi thanks for your tips on gold allocation)

I also hold "smaller" positions in:

$GLXY (+0,28 %) - 2.126 €

$NBIS (-1,91 %) - 500 €

$MTM (-2,74 %) - 471 €

$IREN (+0,42 %) - 188 € (after partial sale)

My plan is a partial sale of $GLXY (+0,28 %) in the first quarter of 2026, depending on how the share reacts to Helios. At $NBIS (-1,91 %) and $MTM (-2,74 %) I will set a trailing stop loss after a good run. $IREN (+0,42 %) I will let it continue to run, as my original position has already been realized.

In the long term, I plan to acquire a property or similar investment for rental purposes. I recently considered taking over a self-service car wash, but this failed due to the current owner's lack of interest.

A home of my own is not currently on my list, as there are no plans to have children in the near future.

My retirement is still a long way off, so I'm not thinking too much about a final portfolio structure at the moment. At the moment, my focus is on investing continuously, learning and growing my capital over the long term.

I invest because I started early on to make my money work for me. Mistakes are part of the process, but the long-term goal remains clear: building wealth with a focus on independence and personal responsibility.

I welcome feedback and am happy to accept tips or suggestions for improvement - especially from those who have been investing for a while or are pursuing similar strategies.

~Philipp

Actually, I'm just a silent reader here, but I'd like to introduce myself and my overall portfolio.

First of all, about me and my family situation:

I am now 40 years old, married and have 2 children (3 and 8 years old).

My first "real" salary only came in 2013 for me and 2015 for my wife after her traineeship.

I/we only started investing and/or saving shortly before coronavirus.

Before that, my wife and I dutifully paid back our student loans from the KFW bank. We both paid €500 in tuition fees for each semester in NRW and as we didn't receive any financial support from our parents (it wasn't a case of not wanting to, but not being able to), we also received Bafög on top of our student job salary.

My wife works part-time 60% as a teacher and I earn my money as a store manager.

We have around €6,000 as a joint household net income, which is enough to live on in Cologne, but is a far cry from an annual 14-day all-in vacation in a family hotel.

Our savings behavior:

Pot I

This is where we save up equity for a single-family home for our own use, with varying degrees of success.

Somehow it's like tilting at windmills.

We save €300 a month here.

As of now approx. 30000€

• 250€ $XEON (+0 %)
• 
  50€$SPYI (-1,53 %)
• 
  irregularly in fixed-term deposits with a short term

Pot II

This is our pension pot. We save €275 per month in this pot (annual adjustment of 5%).

As of now approx. 7500€

• 27,50€ $EQQQ (-1,54 %)
• 
  27,50€ $EWG2 (-1,59 %)
• 
  27,50€ $BTC (+0,59 %)
• 
  27,50€ $TDIV (-1,36 %)
• 
  165€ $SPYI (-1,53 %)

One core and four satellites with different directions.

Pot III

Our nest egg is invested here in call money. The nest egg is actually full, but more is always possible;

another €50 a month goes in here

Pot IIII

This actually consists of several pots and is more of a consumption pot.

• Reserves/wear and tear/new purchases 150€
• Vacation 100€
• Family fun (larger trips, eating out, etc.) €50

However, this is only the fixed part.

At the end of the month, this pot and pot I receive equal amounts (25% of the money) that is "left over" at the end of the month.

This is usually €250-600 depending on how quickly children's feet grow or pants wear out 😁

Owning a home is not a must and we have no need. We live in a nice modern 4-room apartment in a quiet area of Cologne for rent with moderate to low rent.

We have a car that belongs to us, which is driven to the end and one that I pay tax on every month.

I hope I haven't forgotten anything. Sometimes the principle of pots seems too complicated and kind of quirky, but it works for us.

You are welcome to leave me feedback.

$SPYI (-1,53 %)

If you don't know what's going on in the markets, just let the savings plan do its thing haha $SPYI (-1,53 %)

We currently have just under EUR 16,500, which was originally earmarked for an unscheduled repayment of the property loan 🏠. Until recently, the money was in a Trade Republic account with 3.00% interest, which is now being reduced to 2.75%. Combined with the APR on the loan and inflation, however, this amounted to a zero-sum game. Not particularly smart - but since the money belongs to both me and my wife, you have to make compromises every now and then. 😄

But now we would like to invest the amount in an ETF. Our current portfolio, in which the monthly surpluses are invested, looks like this:

• 50 % in the $HMWO (-1,4 %) (HSBC MSCI World ETF, distributing - until the exemption limit is reached, which will probably be soon 🫠 )
• 25 % in the $EQAC (-1,55 %) (Invesco EQQQ NASDAQ-100 ETF, accumulating)
• 10 % in $EWG2 (-1,59 %) (EUWAX Gold II, accumulating)
• 7,5 % in $EIMI (-3,28 %) (iShares Core MSCI EM IMI ETF, accumulating)
• 7,5 % in $QDV5 (-2,01 %) (iShares MSCI India ETF, accumulating)

In addition, my wife saves monthly in the $SPYI (-1,53 %) (SPDR MSCI ACWI IMI ETF, accumulating) with 155.00 EURto build up reserves for her private health insurance when she retires.

In addition, some of our money flows into call money accounts as an emergency reserve, and there is also an amount in the $XEON (+0 %) (Xtrackers II Overnight Rate Swap ETF C).

Now we are considering in which accumulating ETF we should invest the 16,500 euros and the future savings installment should be invested in. I would like to keep it as a separate or new position in one of the custody accounts, as the money will be invested in 17 years - after the fixed interest rate expires - to (partially) pay off the real estate loan. I'm also a fan of having different pots for different occasions. Each month I expect to have 250 to 500 euros in addition to the 16,500 euros.

Which accumulating ETF would be your favorite under these conditions?

Or simply, in one of our existing custody accounts additionally $SPYI (-1,53 %) (SPDR MSCI ACWI IMI ETF) separately from my wife's savings plan, as a separate pot, because it's already a good ETF anyway?

I look forward to your opinion!