Hello everyone,

as I am still quite new to this, I would like to get some opinions/tips on my portfoil.

I would like to slowly build up a dividend/growth portfolio via savings plans.

A classic $IWDA (-0,13 %) is of course also included (I save €80+ per month).

I only save small amounts (€20, €5 per week) in the dividend shares/ETFs each month as I'm quite young and don't have that much on the high side yet and, as the saying goes, the marmot feeds slowly.

I have already realized some profits.

$ALNEV (+0 %) It was a classic mistake, but I think everyone has to make the mistake with penny stocks at some point😂I'll let the position continue to run in the hope that it will come back at some point.

The value at $1211 (+3,76 %) should not normally be correct, but should be around an average price of €15.46.

Since, as already mentioned, I don't have that much money, I'm trying to realize profits accordingly and enter again if there is a setback.

What is your opinion on this? And what/which share would you recommend?

Many thanks in advance!

#portfolio
#dividende
#stockanalysis
#etfs

Hello everyone,

My husband and I are about to buy a house. The new house is supposed to cost €750,000... plus costs such as the kitchen, floors, garden, utilities, etc., of course.

We have done some calculations and are thinking about using between €125,000 and €150,000 of our €225,000 capital so that we get a good interest rate and the monthly installment is not too high, as the construction will take 2 years (with demolition of the old house) and we are also paying rent.

However, we both have a good cash flow, around 10-11k net per month together.

What do you think? What should I sell and when? Get half of everything out quickly? Stop loss everywhere so that we don't take another crash with us? I think we'll have to pay the first installment in the fall, the purchase of the property and ancillary costs.

Maybe someone has some experience :)$AIR (-1,75 %)
$NVDA (+4,19 %)
$1211 (+3,76 %)
$IWDA (-0,13 %)

I took a few interesting screenshots comparing $QDEV (-0,16 %) with other popular indexes $IWDA (-0,13 %) , $CSPX (+0 %) , $FGEQ (+0,04 %) and $VWRL (-0,08 %)

It is about the annualized 10-year total return (price + dividends)

World Quality Aristocrats: ≈15%

MSCI World: ≈11%

S&P500: ≈13%

FTSE All-World: ≈10%

Fidelity: ≈11%

Hello everyone,

I wanted to introduce my current depot...I'm 34 years old, married and earn my living as a train driver.

I myself only started actively investing at the beginning of 2024before that I had little to no basic knowledge - so to be honest I'm pretty naive started. 😅

In the meantime, I've gone deeper, read a lot, analyzed, improved - and built up a long-term plan.

🔍 My goal:

A robust, stable portfolio with a focus on:

• long-term wealth accumulation
• regular passive income through dividends
• a small admixture for future themes (Bitcoin)

This is what my portfolio currently looks like:

🧱 ETF as a foundation

• $IWDA (-0,13 %)
  iShares Core MSCI World (ACC) - 100 €/month

➡️ The MSCI World forms the broad basis and is intended for long-term asset accumulation.

🏢 REITs & real estate dividends - for monthly cash flow

• $O (-2,23 %)
  Realty Income - 50 €/month
• $STAG (-0,21 %)
  STAG Industrial - 25 €/month
• $VICI (-0,76 %)
  VICI Properties - 50 €/month

➡️ My focus here is on monthly and stable dividendsespecially from Realty Income.

💸 Dividend stocks (consumer goods & energy)

• $MBG (+0,66 %) Mercedes Benz Group - 50 €/month
• $PEP (-0,55 %)
  PepsiCo - 50 €/month
• $KO (+0,35 %)
  Coca-Cola - 50€/month
• $CVX (-0,25 %)
  Chevron (new) - 50 €/month
• $EUHD (-0,44 %) Invesco EURO STOXX High Dividend Low Volatility UCITS ETF Dist - €100/month

➡️ I would like to build up a reliable long-term dividend cushion here - defensive brands such as KO/PEP have "peaceful sleep quality" for me.

₿ $BTC (-2,55 %)
Bitcoin

• Savings plan: €50/month

➡️ This is my "future addition" - deliberately kept small, but built up regularly.

💰 Liquidity

• Overnight money account reduced to ~€5,000 (nest egg)
• Previously a car purchase (~€28,000) and caravan purchase (~€21,000) were made

📆 My strategy:

• Follow through with savings plans consistently
• Reinvest dividends
• No more panic selling, just learn & observe

💭 Conclusion:

I know I didn't start not started with perfect conditionsbut I try to learn from mistakes and build solidly in the long term.

My portfolio is still being built up, but it already feels quite coherent: broad-based, cash flow-oriented and with a view to the future.

#crypto
#etfs
#dividends
#portfoliofeedback #newbie

I am currently reducing my P2P shares bit by bit. With the purchase of $EIMI (+1,24 %) my share is still only around 3.5%.

How high is your weighting of EM?

In addition, I am currently considering my small positions $JNJ (-0,36 %) and $ULVR (-1,15 %) also simply reallocating. Either in the $IWDA (-0,13 %) or also $EIMI (+1,24 %) . I just increasingly think that such small positions won't make it. Then I'm more reassured with ETFs.

What do you think?

Greetings from the sofa 🫡

My dears,

and once again the "Tenbagger ETF '

with its current 60 positions.

The DAX and the S&P.

Even the $IWDA (-0,13 %) and $CSNDX (+0,75 %) he was able to beat.

Hi to the community, this is my 🥇 post here on getquin.

I started investing in the stock market and crypto market in 09/2022. Unfortunately a bit late at 24, but better later than never!

I would be interested in your opinions/suggestions/suggestions for improving my portfolio!

Briefly my perspective:

- This $BTC (-2,55 %) (and crypto in general) will be my largest position was never really planned that way, but of course I still like the returns. Crypto savings plans are currently paused because of the high price level and because I want to increase the ETF/share proportion.

- Otherwise, I'd say I'm using a core satellite strategy quite successfully $IWDA (-0,13 %) , $IEEM (+1,46 %) , since 2024 also $TDIV (-1,21 %) for cash flow in the portfolio and some individual stocks.

- My portfolio has never been cleaned out, but I plan to do that for the first time this year. Insb. $INRG (+1,5 %) and $MCF (+5,26 %) with high book losses are candidates to fill the loss offset pot and reduce the tax burden.

PS: Many crypto positions are so small because they were free giveaways on Bitpanda at the launch.

Hello everyone, I need your advice on my portfolio. Classic core satellite strategy with a few just4fun bets.

Unfortunately I overslept the merger of my Lyxor MSCI ETF in March and now have Amundi. Had to pay tax of course and then went into the red with the customs policy. Learning: No more Amundi...

As soon as the ETF is positive, I want to sell it. But I can't decide whether I should simply switch into one $IWDA (-0,13 %) or should I rather shift everything into my $IUIT (+1,95 %) should I shift everything into mine? I'm simply hoping for a higher return, but that also means more cluster risk... an S&P 500 would also be an option. The USA is simply the yield machine and I'm hoping for a better performance.

Additional question to all Austrians: Would you buy dividend stocks at Trade Republic? I'm with Flatex, my positions are still small but at some point the dividend fee will kick in and I find it really outrageous.

What do you think?

Hello everyone,

Now that I've spent some time thinking about the composition of my portfolio, I've come to a decision. Before the first savings plans are made, however, I would like to hear your opinions and criticism so that I don't regret the whole thing later and throw everything over again.

*Briefly about me: I am 21 years old, completed my training as a forwarding agent this month and will be starting further training in business administration in August. My portfolio is currently still quite small and unstructured, as I haven't really been able to handle money in recent years and have spent a lot on unnecessary things or gambling. Since the beginning of the year, I have been determined to take drastic measures. This has worked well since then. I spend almost every day building up assets for my future and have been able to save significantly more money than in previous years. However, as I'm moving into my parents' first apartment towards the end of the year, this money has been put into my portfolio for the time being, but instead into renovations, as I like to implement my own ideas and plans to really feel at home. But enough about me - let's move on to the composition of my future portfolio :) *

At the moment, the portfolio still contains mainly cryptos, which will be completely liquidated in the course of the year (or next year at the latest). The proceeds will be reinvested in ETFs and individual stocks with the appropriate weighting. Novo and Xiaomi will continue to be held and possibly increased over time.

Objective: To build up assets that will mainly serve as equity for the construction of a home in approx. 10-15 years.

60% in ETFs

• 75% World ETF $IWDA (-0,13 %)
• 20% Global Quality Growth ETF $QGRG (+0,4 %)
• 5% Dividend ETF $TDIV (-1,21 %)

Alternatively for the $QGRG (+0,4 %) would possibly be a NASDAQ 100 ($CSNDX (+0,75 %) ) or an S&P 500 ($CSPX (+0 %) ).

Advantage: Due to the predominance of software companies, the annual return is somewhat higher.

Disadvantage: Global Quality is more diversified, "only" about 60% US-heavy and the top 10 do not overlap so enormously with the MSCI World.

What would make more sense in your eyes (also in terms of the target)?

The Dividend ETF is deliberately only lightly diversified with individual dividend stocks, as this is already represented in the portfolio and the constantly (albeit only minimally) rising dividend motivates me with every distribution.

~20% individual stocks with a focus on growth

• Alphabet - Software (deliberately overlaps with the MSCI World, as I believe it still has good growth potential)
• ASML - Semiconductors
• Linde - Industrial Gases & Engineering
• Visa - Payment Services
• Ferrari - Automotive industry
• Stryker - Medical Technology

~6% individual stocks with focus on dividends

• Allianz
• Munich Re

The selection of these two companies is probably self-evident. Both pay good dividends and are at the same time quite strong in terms of growth. In addition, both are German insurance companies, which also put some pressure on the US share - I don't think you can go wrong with that.

~7% Bitcoin

~7% cash reserve

This will be used if there are major setbacks on the market again. This is used to build up new positions (if appropriate) or to top up existing positions at lower equity.

At the same time, the MSCI World is also held in a separate custody account, but this is not used for the aforementioned objective, but for early retirement provision.

I look forward to honest feedback.