The entire position in the S&P 500 Information Technology ETF
$IUIT (-0,95 %) was sold and specifically invested in McDonald’s $MCD (+0,95 %) , PepsiCo
$PEP (+1,64 %) and the L&G Global Quality Dividends ETF
$LDGL (+0,12 %) .

The reasons for this decision:

• Less volatility: Following the sharp price increases in the technology sector, I would like to make the portfolio more defensive and reduce its exposure to highly valued tech stocks.

• More cash flow: The focus is shifting more toward regular dividend income rather than solely on price appreciation. The goal is a steadily growing monthly cash flow.

• Attractive valuations: In my view, both McDonald’s and PepsiCo are currently trading at attractive valuation levels. Both companies have strong brands, robust business models, and a decades-long history of rising dividends.

• Greater diversification: The L&G Global Quality Dividends ETF adds high-quality dividend-paying companies from around the world to the portfolio and ensures broader diversification.

• Reduced concentration risk: The technology sector now also has $IWDA (+0,14 %) . This rebalancing reduces dependence on a few large tech companies and makes the portfolio more balanced.

For me, this is not a move away from technology—tech remains a significant component of the portfolio via the MSCI World. Rather, the goal is to broaden the portfolio, reduce concentration risk, and place greater emphasis on stable cash flow, quality, and predictable long-term dividend income .

With 20k in self-saved startup capital and a savings rate that at times reached up to 90%, I started investing in 2022. Today, I’m 24 years old and am close to reaching a portfolio value of 200k.

My strategy is intentionally simple: a long-term buy-and-hold approach based on ETFs, supplemented by selected individual stocks, crypto, and commodities. Even today, I still invest about 75% of my income.

I’d be interested to hear what you think of my portfolio. If you were in my shoes, would you change anything? More ETFs, a higher cash allocation, or a different focus?

I look forward to your feedback and a constructive discussion. 📈$IWDA (+0,14 %)

I'm currently investing in 4 ETFs and am wondering if it might make more sense to cut that down to 2 so I can put more money in each month.

Right now:

$IWDA (+0,14 %)

$EIMI (-1,52 %)

$ZPRV (+1,06 %)

$ZPRX (+0,8 %)

I’d drop the small-cap ETFs; the monthly contribution would be 100 euros for each.

I’m curious to hear your thoughts :)

Every now and then, I like to share my portfolio with you to get your feedback and tips :-)

I’ve further consolidated it to 26 holdings (if you exclude the duplicate ETFs, which exist for historical and tax reasons, and the very small positions that I can’t sell).

I’m currently contributing $IEMA (-1,5 %)
$TDIV (+0,65 %) and $EQAC (-1,26 %) contributing 250/month, $IWDA (+0,14 %) 1,000/month, and $MELI (+0,1 %) and $NU (-0,72 %) 200/month.

I plan to liquidate my $VOW (-1,01 %) position in the next few days, but I don’t know yet where the money will go.

Tips, feedback, etc. are urgently needed :-)