Hello everyone,

I'm 27 and still quite new to investing and I'm happy to have landed in a friendly and helpful community here 🙏🏼

I am currently planning to invest €250 per month in fixed savings plans and would like to build up assets over the long term.

I am considering investing in the $IWDA (+0,23 %) and the $CSNDX (-0,01 %) and the However, I'm wondering: should I add an EM ETF or perhaps an ETF like $VWRL (+0,18 %) that is a bit broader?

Also: distributing vs. accumulating - what do you think makes more sense in the long term?

Looking forward to your opinions and feedback! :)

Always works. 🐍

Dear community, I'm in my early 20s and have been investing since the beginning of the year.

I initially started with a simple ETF savings plan and saved $IWDA (+0,23 %)
$CSPX (+0,32 %)
$CSNDX (-0,01 %) saved.

It was too much for me and $CSNDX (-0,01 %) and took it out just under 1-2 months ago and split it between the other 2 ETFs.

I am aware that my ETFs still overlap, but I would like to leave it that way for now.

I've been looking at individual shares recently and have added a few positions to my portfolio over the last few months.

I would like to keep a certain amount of security in my portfolio in the form of my ETF positions in the future. And to boost performance with individual shares, I have been working with $RKLB (+5,35 %) and $PANR (-1,26 %) somewhat "riskier" shares, but I see potential in them over the next few years.

$KAS (+4,76 %) was a penny stock at the time in which I entered blindly (unsuspecting and fresh at the beginning of my investments)

I'm still in training and therefore don't have much budget and still have smaller positions, so we'll see what the future brings.

Criticism and general feedback are very welcome THANK YOU 🤝

Hello everyone. I started my journey on the stock market in April and I definitely don't regret the decision.

(According to GQ since 2022, but I only tested the stock market and Bitcoin with play money of €125, but sold it again straight away and the stock market was then next to nothing).

I'm now in my mid-21s and still live at home. My strategy is to build the basis with the $SPYI (+0,26 %) ACWI IMI, and with the $CSNDX (-0,01 %) NASDAQ 100 and stocks (maximum 10) that are high quality and buy to hold and should yield good dividends in maybe 20 years (small side income). With $BTC (-0,06 %) or altcoins I am currently testing myself and trying to understand it better.

The $CSPX (+0,32 %) S&P 500 with €500 per month

This is for a possible house construction in 7-10 years. (I am aware of the risk)

On the other hand, I put €50 in the $IWDA (+0,23 %) MSCI World for my parents in 10 years when they retire and €100 in the $VWRL (+0,18 %) FTSE-all world as a fixed pension. (An additional €200 per month via insurance-linked provisions such as Rürup and private pensions)

The Nvidia position is only so highly weighted because I got in at 104 euros with my nest egg (2.5k). It was a risky move, but as I don't need any big reserves apart from my car, I thought, why not?

Future goal: continue to expand the base with ACWI IMI and NASDAQ, and also add a few individual stocks that are perhaps not so heavily weighted in the existing ETFs. $MC (-0,25 %) LVMH $OR (-0,71 %) L'Oreal or $MCD (-0,31 %) McDonalds, for example

The only thing I'm still wondering about in my first year on the stock market and don't know...tax.

I was thinking of selling the Nvidia nest egg position to take advantage of the tax-free allowance and have the money safely back in my account. The problem is that Nvidia is currently falling sharply. How do you do this or what is your advice? Or would you rather sell some of the ETFs? Thank you very much!

Women on the stock market with options trading?

Why you need a special webinar right now that is aimed at women by a woman is beyond me.

"You will discover how you can use options to take advantage of new opportunities to achieve long-term goals such as better retirement planning or a regular income."

Apart from the complexity of options, I don't spontaneously know of any added value of options compared to regular long-term forms of investment such as ETFs (e.g. a simple savings plan on $IWDA (+0,23 %) ).

Wouldn't it make more sense to raise the general level of financial education and help women in particular to close their pension gaps due to parental leave and the like?

My opinion on the coaching and workshops offered by most "experts" is probably well known, but I still find many things questionable.

https://www.finanzen.net/nachricht/trading-profitipps-fuer-ihr-depot-online-workshop-sheinvest-de-wie-frauen-mit-optionen-vermoegen-aufbauen-14064845

(Almost as serious as "Secure passive income through options trading". @Lorena
@leveragegrinding 🤡)

Good morning everyone!

After my morning routine and a look at my portfolio, I got to thinking again.

Since I try to avoid overlaps (ETF's and individual stocks),

I do not always succeed.

I am thinking about whether I should instead:

$IWDA (+0,23 %)

invest in the largest shares that make up the portfolio. As I assume that these will achieve a much higher return when invested individually.

What do you think about this or have you already tried it?

Started in July 2024 with the Junior Depot of the #ing it is now +9% (72€) at the end of the year with $IWDA (+0,23 %) 🌎 $EXIC (-0,49 %) 🇩🇪 and $DIS (-0,24 %) 🏰

Portfolio feedback

Now that I've reached my goal for this year, I thought it was time to hear some different opinions from you.

Briefly about me: I am 19 years old and started investing in June this year. Thanks to my training salary, I have a monthly savings rate of €350, which is currently broken down as follows:

250€ in the $IWDA (+0,23 %)

100€ in the $EIMI (-0,21 %)

Now a few thoughts on my part:

I will probably stop the savings plan on the $EIMI (-0,21 %) as, in my opinion, it no longer has that much potential.

Furthermore, I will expand my portfolio by $BTC (-0,06 %) to my portfolio. The idea here was to change the savings plan on the $EIMI (-0,21 %) to Bitcoin.

I am also still young and therefore think that I can add a little risk to my portfolio. What can you recommend? I was perhaps thinking of a $VUSA (+0,32 %) or one $CSNDX (-0,01 %) even if this would significantly overweight my USA share.

Thanks to everyone who takes the time to read through this post🙏

Despite a large portfolio shift from$IWDA (+0,23 %) to $VWRL (+0,18 %) And initially had losses, it is doing quite well again :)