Yesterday I sold all my shares and switched into my two 70/30 World/Emerging Markets ETFs.

I thought it might be of interest to some of you, so here is all the information:

I held individual shares with Trade Republic, €32,000 in total.

The sale took place in a matter of seconds. The money was held by Trade Republic at €15,000 at Deutsche Bank, the rest went into the money market fund. (Info under Cash - how your available cash is distributed)

After the sale, I immediately initiated the transfer to my account at Ing, where I hold my ETFs.

Transfer initiated at 11:45 am Arrival of the money at ~16:30 pm (unfortunately I did not receive a push notification)

As soon as the money arrived, I went straight back into the market and split it into the $HMWO (+2,06 %) and $IEEM (+4,83 %). I took the opportunity to rebalance straight away.

And now the question: why all this?

Did I no longer think the shares were worth buying? Yes and no.

I've learned a lot over the last few years and I've also learned the hard way. I bought good shares and made a profit and also bought shares that I sold at a loss.

The savings plan on the ETFs always ran alongside this.

I decided for myself that my core should really be the core and not 50% ETFs and 50% shares, as was the case in the meantime. Because I saw opportunities in so many shares.

This does not mean that I will no longer buy and hold shares, it just means that I now really hold a large part of my assets in ETFs.

I've never thought about selling ETFs before, but I do buy and sell shares from time to time.

I may have beaten the market for a year, but not in the long term.

And with this knowledge, I can now take the market return in my stride.

My goal was to hold 100k in shares (ETFs) by the time I'm 30. Because mathematically it would be enough to retire as a millionaire.

I haven't managed that yet, but I still have 10 months until I turn 31 for the last 15k.

I have the money in cash, but I just feel more comfortable having a cash cushion than being invested all in the market now.

I hope I've been able to explain my point and haven't completely stolen your time.

I look forward to your suggestions or opinions in the comments.

Here's to a green week.

*Edit:

Arrival of the transfer at 14:16 according to Trade Republic.

I paid a total of 116€ capital gains tax on the sale of shares. I had a full loss pot and first sold the shares at a loss and then those at a profit.

So the decision was not a big disadvantage for me in tax terms. (Despite shares with more than 100% profit in some cases)

This was my last savings plan execution for$HMWO (+2,06 %) and $HMEF (+5,08 %) (not in the picture). The two positions together have reached the size of my $VWRL (+2 %)-position and are therefore full.

In February, the first savings plan execution of $XDWL (+2,09 %) and $XEMD (+4,76 %). This will then take place once a month instead of twice a month.

The two smaller savings plans on $WHCS (+0,84 %) and $WITS (+2,07 %) will continue to run, but will also be changed from 2x per month to 1x per month (amount remains identical).

Why I am using several All World ETF / World + EM. Combinations, you can read here:

https://getqu.in/5DvtL7/

Hello and hello little favorite bubble,

for the $HMWO (+2,06 %) the first distribution this year has been scheduled for 24.02.2026 - ex-date is 29.01.2026 - and stands at 0.1074$, which is currently 0.092€.

This represents an increase of 6.65% compared to last year's first distribution ($0.1007).

Target 2026 for me Increase Etf share

Hello everyone,

after almost 1 1/2 years as a silent partner on gq, I have decided to have my portfolio taken apart 😋

A few words about me and then about my portfolio.

I am 31 years old, live with my girlfriend and our 4-month-old son in the heart of Bavaria in our small home.

My girlfriend and I both work as employees in an automobile company. (She is currently on parental leave, of course)

About my portfolio.

I started my investment career with physical precious metals and shortly afterwards with cryptos.

When it came to cryptos, I got carried away by friends, I didn't know my way around them back then (I probably wouldn't take such a risk today). Fortunately, this turned out to be a good thing in hindsight.

A good three years ago, I added the first of what are now three portfolios with different strategies.

Depot (presumably for retirement)

$IWDA (+2,02 %) / $MEUD (+2,93 %) / $CSPX (+1,65 %) / $EXS1 (+3,41 %) / $EIMI (+5,08 %) / $WSML (+2,08 %)

2.dividend deposit (for cash flow as a reward on the joint account)

$HMWO (+2,06 %) / $ISPA (+0,44 %) / $TDIV (-0,41 %) / $VFEM (+3,85 %)

3.JuniorDepot

$VHYG (+1,51 %) / $VWRL (+2 %) as an accumulator.

Both ETFs are being saved in because the grandparents are financing one of them and I would like to keep them separate and not open an extra custody account.

All custody accounts are saved monthly.

So much for me and my portolio.

I would be very happy to receive any criticism, suggestions for improvement or similar and wish everyone happy holidays ✌🏻

$HMWO (+2,06 %)

🛡️ My "3-pillar portfolio": cash flow as an interest shield before 2028

Hello community,

Since there are controversial discussions under every post about CC ETfs

-> here are my reasons why I have them in my portfolio (and yes I have ki in the conversation)

At the age of 43, I am not only concerned with growth, but above all with risk management - because my real estate interest commitment expires on 30.09.2028, with a remaining debt of € 147,000.

My goal is to set up the portfolio in such a way that I can either offset the refinancing costs or pay off the debt completely.

1. the logic: cash flow meets growth

My investments are divided into three pillars with a clear function:

The cash flow engine

$JEPQ (+1,17 %) & $JEGP (-0,54 %) /JEPI

Generation of high monthly income (option premiums)

The growth cores

$HMWO (+2,06 %) (MSCI World) & $VUSA (+1,63 %) (S&P 500)

Long-term build-up of capital and substance

2. the strategy:

Two phases for the JPM cash flow (approx. 450 € net/month)

I use the high monthly net income from JEPQ/JEPI flexibly in two phases to achieve my goals:

🟢 Phase 1: Accumulation (Currently until approx. 2027)

* Measure: The monthly JPM distributions are reinvested directly into the VUSA ETF.

* Purpose: Utilize interest rate arbitrage (pay 1.88% interest, generate 8-10% gross return) to accelerate growth capital. The reinvestments are expected to increase the VUSA portfolio by over € 30,000 by the reporting date!

* In addition: The HMWO will continue to be built up separately with its own savings rate.

🔴 Phase 2: The interest shield (from 2028)

* Measure:

Reinvestment ends. The JPM cash flow is used to offset the increased monthly burden of the follow-up financing.

* Result: Even with a pessimistic 5.0% interest rate, the additional monthly burden of approx. +€227 is more than doubly compensated by the JPM cash flow (approx. €450 net).

Growth in VUSA and HMWO can continue.

3. the ultimate flexibility in October 2028

Thanks to the deposit cushion of an estimated € 259,000 built up over the next few years, I can choose freely on the refinancing date:

* Option A (Further growth): finance € 147,000 at the then applicable interest rates and subsidize the higher rate with the JPM cash flow. The entire growth deposit is retained.

* Option B (debt-free): Partially liquidate the deposit and pay off the €147,000 remaining debt in full. The property would be debt-free and my rental income of €520 would be pure surplus.

4. the tax advantage

Since all my ETFs (JEPQ, JEPG, VUSA, HMWO) receive the 30% partial exemption for equity funds, there is no tax disadvantage for the high-yield JPM funds compared to the growth stocks.

In addition, the rising interest costs of the property can be offset against the total income for tax purposes as income-related expenses from 2028.

Conclusion: I deliberately trade maximum capital growth in strong bull markets for financial security and compensation with a calculable real estate debt risk.

The JPM ETFs are

my active "interest rate buffer". -> we'll see if that works out

@Koenigmidas -> we've already had this conversation on another channel😅

$CSPX (+1,65 %)
$IWDA (+2,02 %)
$EIMI (+5,08 %)
$CSNDX (+1,98 %)
$VUSA (+1,63 %)
$VHYL (+1,27 %)
$SPYI (+2,33 %)
$HMWO (+2,06 %)

https://www.whitehouse.gov/fact-sheets/2025/11/fact-sheet-president-donald-j-trump-strikes-deal-on-economic-and-trade-relations-with-china/

President Trump announced an economic and trade agreement between the USA and China:

- China suspends all retaliatory tariffs and non-tariff measures imposed since March 4

- China issues new general licenses for the export of rare earths and suspends new export controls.

- China pledges to stop the flow of fentanyl to the US

- China will buy at least 12 million tons of US soybeans

- The USA reduces tariffs on Chinese goods by 10 percentage points

The biggest de-escalation in relations between the US and China since the start of the trade war.

China 🇨🇳 will suspend all retaliatory tariffs and non-tariff measures in place since March 4, lift export controls on rare earths, issue global licenses for rare earths and critical minerals such as gallium and graphite, and commit to buying 12 million tons of US soybeans this year and 25 million tons annually through 2028. China will also take "significant measures" to stop fentanyl shipments to the US.

In return, the U.S. 🇺🇸 will reduce tariffs on Chinese imports imposed to curb fentanyl trade by 10 percentage points of the cumulative tariff rate, effective November 10, 2025, extend Section 301 tariff exemptions through November 2026, and suspend new export control measures for one year.

$IWDA (+2,02 %)
$CSPX (+1,65 %)
$EIMI (+5,08 %)
$CSNDX (+1,98 %)
$ISAC (+2,34 %)
$VUSA (+1,63 %)
$HMWO (+2,06 %)
$XDWD (+2,04 %)
$SPPW (+1,96 %)
$WSML (+2,08 %)

President Trump shakes hands with Chinese President Xi Jinping.

"He is a VERY tough negotiator. That's not good!" 🤣

"Nice to see you again!"

"We're going to have a very successful meeting!"

"We have ALWAYS had a great relationship."

Chinese President Xi Jinping says he is happy to finally meet President Trump.

"It's very nice to see you again! It's been many years. Since your re-election, we have spoken on the phone three times, exchanged several letters and stayed in close contact."

"Given our different national circumstances, we don't always see eye to eye. It's normal for there to be friction between the world's two leading economies."

"In the face of winds, waves and challenges, you and I, who are at the helm of Sino-US relations, should stay the right course and ensure the steady progress of these relations."

Chinese President Xi Jinping declares President Trump the PEACE PRESIDENT of the whole world!

"Mr. President, you care deeply about world peace! You are deeply committed to resolving regional conflicts. I greatly appreciate your significant contribution to the ceasefire in Gaza."

"During your visit to Malaysia, you witnessed the signing of the joint peace declaration along the Cambodian-Thai border, to which you also contributed."

Hello everyone,

I currently have the following Etf with distribution in the same distribution. Behind the payout months

$IWLE (+1,92 %) for 01/04/07/10

$HMWO (+2,06 %) for 02/05/08/11

$SPXD (+1,59 %) for 03/06/09/12

That would be about 66%World and 33%sp500 index.

The distribution is extra because 1. I like the cash flow and 2. I want to utilize the allowance.

As soon as 1000eur are utilized at some point, I will add in tesaurierende.

Now my question...do you know an alternative to the hedge for 01/04/07/10?

Thank you very much :-)

Regards

Sven