Hi dear GQ community,

After some back and forth. And learning and getting advice, I have finally finished my portfolio.

I have now divided it up as follows:

• 65% -> B&H per savings plan
• 35% -> 2xSpytips-Cool-Strategy

At this point, first of all a huge thanks to @Epi and to @SemiGrowth for your patience and advice regarding the 2xSpytips strategy and the improved version of the 2xSpytips Cool strategy.

As follows, I have now restructured my portfolio today:

B&H strategy:

$IWDA (-0 %) -> 25% -> Broad diversification

$O (+0,07 %) -> 20% -> Dividends

$EIMI (-0,19 %) -> 10% -> emerging markets

$BTC (-0,14 %) -> 10%

2xSpytips-Cool-Strategy:

$CL2 (-0,26 %) -> 35%

I think I will do better in the long run with this portfolio than with the previous one. I can also sleep well with this one.

I follow both strategies so that if the 2xSpytips-Cool strategy is no longer profitable or doesn't perform well for whatever reason, I don't lose 100% of my investment.

And now it's your turn, I'm curious what you have to say and please stay objective 😊😅.

Hello everyone and have a nice Sunday. I would like to hear your opinion, hard-hitting and honest, on my current portfolio.

I would like to emphasize up front that I have only been investing money since the beginning of 2023. My journey started directly with the tough crypto market. But good thing... As a result, I am very much in the plus with BTC and some altcoins... and very much in the minus with others... that's life 😁

I got into the stock market and my ETF savings plan in May 2024.

Since then, I've been investing in these 3 ETFs every month:

1) $IWDA (-0 %) 50% - currently + 6.1%

2) $EIMI (-0,19 %) 30% - currently + 6.6%

3) $RBOT (-0,25 %) 20% - currently + 8.6%

Also bought some individual stocks such as $MSTR (+0,24 %) , $COIN (+0 %) , $PLTR (+0,05 %) , $RIOT (+0,36 %) and many more. I am also strongly up on the majority of them.

I monitor the markets on a daily basis and am increasingly looking for opportunities to pick up good and interesting ETFs or, in some cases, individual stocks (focus on dividends)

I have now made the following adjustments or added stocks (ETFs) in recent months:

4) $JEPQ (-0,11 %)

5) $JEGP (-0,05 %)

6) $TDIV (+0,33 %)

I have included the two from jpmorgan as distributing etfs to generate additional cash flow. Getting money every month is just a good feeling and I thought I'd rather do it with these etfs than look for additional individual stocks.

The $TDIV (+0,33 %) I have read a lot here and then decided to include it because it is doing really well and looks very interesting 🔥😎

So I now own 6 Etf's and sometimes I have the feeling it would be better to only have 2-3. But I find the 3 new distributing etfs really appealing due to the monthly or quarterly cash flow.

Individual stocks with a focus on dividends and which I have bought heavily in the last few months are :

1) $PEP (+0,18 %)

2) $O (+0,07 %)

3) $MAIN (+0,4 %)

4) $RIO (-1,09 %)

And brand new since last week

5) $ALV (+0,81 %)

I would like to say goodbye to the following values in the near future:

$STAG (-0,43 %)

$JNJ (+0,05 %)

$TXN (-0,03 %)

So there would be 11 stocks or securities in my long-term portfolio that I would like to save monthly or via DCA over the next 20-30 years.

I'm still new to the world of investing. Just under 2.5 years is nothing I would say. I would therefore be grateful for any tips on what I should possibly change or improve.

The dividends from the individual shares and ETFs always go into the $IWDA (-0 %) because I want to increase its share, which alone should make up at least 50% I would say!

Unfortunately, I currently only have €350 to invest each month. But I currently have almost 100k in the markets. Most of it is in cryptos... but at the end of the year everything will be completely liquidated and then I'll have some cash to invest again!

Now it's your turn.

Thanks in advance.

Best regards

Chris 👋🤝😎

Hello everyone,

I'm thinking of investing a bit over 15k in the near future, but I'm not sure what makes the most sense.

The starting position is as follows:

Monthly savings plan runs to

$IWDA (-0 %)

$TDIV (+0,33 %)

$SGBS (-0,29 %)

Weekly

$BTC (-0,14 %)

Now my consideration:

1 - All In in all three ETF's at 1/3 each.

2 - invest 20% directly in each ETF and increase the monthly savings plans to weekly with the same savings rate as before, so that I can buy more in the event of a price drop.

3 - Simply adjust the savings plans weekly so that the sum is used up after a year and then return to the monthly savings rates at the current time.

What do you think makes the most sense? Perhaps also with a short explanation of why you think this.

Thank you and have a nice Sunday.

Carsten

___________________________________________________________________________

Update and resolution :

Thanks for the comments and food for thought.

I will pursue the following strategy:

$IWDA (-0 %) 4000,-

$TDIV (+0,33 %) 4000,-

$SGBS (-0,29 %) 2000,-

As direct investments

The savings rates are switched to weekly and are then spread as follows, with all ETFs being used equally.

Weekly 300,- until the end of November.

Each ETF will therefore be served with 100 euros per week until the beginning of December.

Then the savings rate will fall back to the previous level of EUR 160 per month per ETF.

If there is another price drop, I can change the strategy and then buy more with what is available at the time.

I think I can sleep well with that.

Thank you very much for your input.

Carsten

Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.

First of all, my situation:

I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.

I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.

I follow the following strategy: Buy & Hold

What do I invest in each month?

• $IWDA (-0 %) 234€ per month
• $EIMI (-0,19 %) 90€ monthly
• $SMEA (+0,01 %) 70€ monthly
• $EWG2 (-0,29 %) 65€ monthly
• $BTC (-0,14 %) : 42€

I also save through VL benefits:

• $VHYG (+0,11 %) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (+0,33 %) .

This brings me to a total of €536. A crooked figure, that's true, but it works best for me.

The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.

My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.

I'd be interested to hear your opinion on this in the comments!

Hello dear community,

after not really being active for a few months, I thought I'd draw my first conclusions at the halfway point of my annual financial goals. A warning up front, the success so far is manageable to say the least 😙.

Before that, a few stats on the overall portfolio:

📌 YTD: approx. -5.33% as of today

📌 Shares/ETF: €12,150 invested

📌 $BTC (-0,14 %) / $SOL (+1,42 %) 2,500€ invested

Now let's check the targets:

🎯 Raise the portfolio to €70k

Phew, the orange man had something against it, currently unrealistic in view of the required performance and the investment volume still to come.

🎯Do more research, as it feels like I haven't done anything for 7-8 months in 2024

Up and down, sometimes yes, sometimes no... I'm working on it, let's put it this way.

🎯Focusing more on equities and not getting bogged down in the crypto bubble

Worked well so far, $SOL (+1,42 %) Savings plan is now paused, focus is only on $BTC (-0,14 %) . No other coins have been bought...

🎯Expanding my knowledge of basic financial topics, especially in the area of chart analysis and company data/earnings

Phew, mixed, started but never followed through...still have 6 months to go.

🎯Just listen to more financial podcasts

Works quite well, I actually listen to the usual suspects regularly

🎯Significantly increase the weighting of the MSCI World

Currently still far too little, but I'm working on it...

🎯The most important thing: to finally convince my better half to invest

Missed the maximum, there's less than before and not a cent has been invested 😆

What happens next?

I have currently suspended a large part of the savings plans on individual shares and continue to focus on $IWDA (-0 %) and $MEUD (-0,01 %) . According to the current plan, around €6,000 will still be invested this year.

With this in mind, keep applying cream ☀

Hi everyone, to be honest, I work on my portfolio almost every day. But I would also like to say in a timely manner: Hey, that's good now... The savings plans run monthly, I don't stress myself and look at the portfolio in a few years and see what the compound interest effect has created 🔥🤩🚀

I also still have Bitcoin and crypto, but I trade anti-cyclically and in a 4-year cycle. Will most likely liquidate everything at the end of the year 🔥💰

My portfolio currently consists of the following ETFs + individual stocks:

1) $IWDA (-0 %)

2) $EIMI (-0,19 %)

3) $RBOT (-0,25 %) all 3 are accumulating and have been running for almost 1.5 years now.

I also bought these 3 etfs (distributing) a few weeks ago. I became aware of them here on the site and found them very attractive due to the monthly cash flow. I think it's better to have such etf's than other individual stocks.

4) $TDIV (+0,33 %) (quarterly)

5) $JEPQ (-0,11 %) (monthly)

6) $JEGP (-0,05 %) (monthly)

I find the dividend yield on all 3 etfs very nice and high.

I also have these 5 dividend stocks:

1) $PEP (+0,18 %)

2) $O (+0,07 %)

3) $MAIN (+0,4 %)

4) $RIO (-1,09 %)

And 5) $STAG (-0,43 %)

But I would like to sell Stag because the dividend growth is not so big and strong for me... and maybe get $D05 (-0,36 %) instead? The dividend growth looks very strong there... Or which stock would you recommend?

I would be interested in your opinion on the portfolio or the individual stocks.

Thanks for any feedback, whether criticism or praise.

I would like to save all the stocks in the long term and then have a nice big portfolio in 20-30 years and receive a great cash flow 🔥💰🤝

Best regards

Chris

Hello, I have decided to include two ETFs in my portfolio: an MSCI World and an MSCI World ex USA. These two ETFs make up the largest part of my portfolio.

The MSCI World consists of about 70% US stocks, and since I am already heavily invested in individual US stocks, I chose the MSCI World instead of the S&P 500 to avoid too much concentration. In addition, I have chosen the MSCI World ex USA to further diversify.

Of course there are overlaps, but you also have to look at the weightings that each ETF gives to the individual stocks.

What do you think?

Would a combination of S&P 500 and MSCI World ex USA have been better, or do you think my more diversified solution makes more sense?

#Thanks for your advice!

$IWDA (-0 %)
$EXUS (+0 %)