This is my long-term portfolio -5 or six stocks. Nobody follow just do your research.

iShares Core MSCI World ETF
Price
Debate sobre IWDA
Puestos
925Portfolio presentation
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 (+0,21 %) -> 25% -> Broad diversification
$O (+0,04 %) -> 20% -> Dividends
$EIMI (+0,31 %) -> 10% -> emerging markets
$BTC (-0,27 %) -> 10%
2xSpytips-Cool-Strategy:
$CL2 (+0,1 %) -> 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 😊😅.


Tips for the portfolio 🙏
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 (+0,21 %) 50% - currently + 6.1%
2) $EIMI (+0,31 %) 30% - currently + 6.6%
3) $RBOT (+0,85 %) 20% - currently + 8.6%
Also bought some individual stocks such as $MSTR (+0,22 %) , $COIN (-0,57 %) , $PLTR (+0,51 %) , $RIOT (+0,91 %) 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:
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 (+0,77 %) 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 :
2) $O (+0,04 %)
And brand new since last week
I would like to say goodbye to the following values in the near future:
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 (+0,21 %) 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 👋🤝😎
I think the stock selection is good so far - they are solid dividend stocks. It's good that you also want to get rid of the 3 so-called shares, I don't see any point in that either.
Etfs would be too many for me.
Personally, I only have the Msci World and as a supplement the AI & Big Data, you can add the Div Etf if you really want it. Personally, I would reduce the Etfs so that you can concentrate more on these.
I don't know your portfolio breakdown.
Best regards :)
Investment savings contracts or all-in or a mixture
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
Weekly
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
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Update and resolution :
Thanks for the comments and food for thought.
I will pursue the following strategy:
$IWDA (+0,21 %) 4000,-
$TDIV (+0,77 %) 4000,-
$SGBS (-1,41 %) 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
Portfolio for early retirement?
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 (+0,21 %) 234€ per month
- $EIMI (+0,31 %) 90€ monthly
- $SMEA (+0,81 %) 70€ monthly
- $EWG2 (-1,03 %) 65€ monthly
- $BTC (-0,27 %) : 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 (+0,77 %) .
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!
$IWDA and $EIMI is a solid basis for a portfolio :)
$SMEA You can do it, but you don't have to. If you want to actively overweight Europe it's ok :)
The only point of criticism for me are the positions below 100€. Especially if you only bought them as a one-off purchase and didn't actively continue to save. What do you want with 78€ in McDonald's if the portfolio is worth more? I would sell them all or continue to save them if you want to keep them.
Financial targets 2025 - the mid-term summary
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 (-0,27 %) / $SOL (+0,66 %) 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 (+0,66 %) Savings plan is now paused, focus is only on $BTC (-0,27 %) . 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 (+0,21 %) and $MEUD (+0,87 %) . According to the current plan, around €6,000 will still be invested this year.
With this in mind, keep applying cream ☀
Perhaps you would have noticed that your disappointing performance can be explained almost entirely by the depreciation of the USD. The portfolio remains vulnerable at this point.
Life Savings Sitting in a 1.25% Savings Account for Decades
Hi everyone,
I’m reaching out for some help and guidance, especially since this community is full of people willing to share their experience and knowledge.
About 5 years ago, I got to know that my father had most of his life savings sitting in a regular bank account earning just 1.25% interest per year. It honestly hurt to see all his hard work being slowly eaten up because of it. At the time, I tried to convince him to invest at least a portion in something like an ETF, but with no success. I eventually let it go, after all, it’s his money, and I could understand why he chose to be so conservative with it, even if it's not what I would've done.
Now, five years later, he seems to have changed his mind. We’ve started discussing how to allocate the money more effectively. For context he plans to retire in about 9 years.
The idea is to focus a bit more on growth over the next 9 years, and then gradually shift the allocation toward a more fully dividend-focused portfolio. That way, he can generate passive income and won’t have to rely solely on his pension in retirement.
I’m still learning and would really appreciate some feedback from more experienced investors.
Thanks to everyone in advance!
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Here’s the current allocation we are working on:
🟦 Growth ETFs – 40%
- MSCI World ($IWDA (+0,21 %) )
- iShares MSCI EM ETF ($IEMA (+0,22 %) )
🟥 Dividend ETFs – 20%
- FTSE All-World High Dividend Yield ($VHYL (+0,17 %) )
- VanEck Developed Markets Dividend Leaders ($TDIV) (+0,77 %)
🟩 Bonds – 15%
- Xtrackers II Eurozone Gov Bond 25+ ($DBXG) (-0,85 %)
Amundi Euro Inflt Expectations 2-10Y ($INFL) (+0,12 %)
🟪 Individual Stocks – 7.5%
- Google ($GOOG) (-1,23 %)
Unilever ($ULVR) (-0,71 %)
ASML ($ASML) (+1,25 %)
Allianz ($ALV) (+0,8 %)
Visa ($V) (-0,26 %)
🟧 Cash Reserve – 2.5%
Emergency Fund – 15%
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I would really appreciate feedback on the following:
- Is this allocation appropriate for someone with 9 years to go?
- Any ETFs or stocks you’d swap in or out?
- Anything you’d do differently in general and why?
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I would keep it as simple as possible:
I would get rid of the bonds and individual stocks.
Individual stocks because anyway those are in the ETFs you mentioned.
And I don't believe in bonds; I would rather invest in a Minimum volatility ETF if the goal is to reduce the risk.
The "growth" part looks good to me, though the weighting between DM and EM would be different: 90% DM and 10% EM, but then that's also a question of taste.
As for the dividend part, I would just keep $TDIV
Overall, I would then do something like: 62.5% growth, 20% dividend, cash reserve 2.5% and emergency fund 15%.
Additional dividend stock?!
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:
3) $RBOT (+0,85 %) 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 (+0,77 %) (quarterly)
5) $JEPQ (+0,38 %) (monthly)
6) $JEGP (+0,01 %) (monthly)
I find the dividend yield on all 3 etfs very nice and high.
I also have these 5 dividend stocks:
2) $O (+0,04 %)
And 5) $STAG (+0,13 %)
But I would like to sell Stag because the dividend growth is not so big and strong for me... and maybe get $D05 (-0,51 %) 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
so if I've understood correctly, you have 6 Etfs, which would definitely be too many for me.
Also, how can you not have Allianz?🤯And Allianz should fit perfectly into your strategy - top company and top dividend that is increased every year. Have fun and continued success in building your wealth.
Best regards :)
Msci world with ex usa
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!
Although I wouldn't actually underweight the USA. Of course, things are going pretty badly at the moment under Trump, but that won't matter over the next 10 years and will probably even give you an excess return
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