Last purchase for this year, ETF 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 (+0,01 %) 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!

Hello friends,

My parents were kind enough to take out a pension insurance policy for me about 11 years ago, paying €50 a month. I took a look at it today. There are around 6200€ there. If you do the math, it would have been around €6600 since I started saving. In any case, a significant loss due to fees to the driver. I'm thinking about canceling the insurance. The payout is also 6200€. I would then put this into my $CSPX (+0,32 %) which I already save with 10% of my monthly income. I might wait until the beginning of the year to take a few percent with a dip, but then do it as planned. What do you think? 6200€ would be a lot of money for me at the moment and a big step in my portfolio :)

I'm currently considering whether I should set up a monthly savings plan with €900 on the $CSPX (+0,32 %) or invest the sum in equal parts in $NVDA (+2,01 %)
$AMZN (+0,26 %)
$GOOGL (+0,94 %)
$MSFT (-1,05 %)
$AAPL (+1,34 %) invest it in

What do you think of the idea? These values drive the $CSPX (+0,32 %) to a large extent. So I thought it might make sense to set up a savings plan on these stocks.

Hello dear community!

I have been investing since April and have 6 positions in my portfolio, of which 3 are ETFs and 3 are individual stocks.

I want to boost performance with the individual stocks and the ETFs serve as a long-term / safe part of my portfolio.

My ETFs run as a monthly savings plan

$IWDA (+0,23 %)
$CSPX (+0,32 %)

and recently also $VHYL (+0,11 %)

To my question:

$VHYL (+0,11 %) I have recently added a dividend ETF to my savings plan in order to have a long-term dividend payout in my portfolio.

In the meantime, however, I have often been told by others something like "You don't focus on foreign exchange but put a dividend ETF in your portfolio. That's a real drag on returns and makes no sense".

I don't see a problem myself 🤷🏽‍♂️

What do you think?

I haven't been investing for long and would be happy to hear other opinions.