Hi there!

On the occasion of my milestone, I would like to introduce you to my depot. I would be delighted to receive your feedback :)

First of all about me: 👦

I am 23 years old and currently a law student in my 7th semester. I'm currently in the middle of preparing for my exams (annoying).

I started investing at the beginning of 2022 when I was playing poker with two friends and talking about the potential of shares etc. After briefly reading up (especially here 🤓), I was hooked. 🔥

I have my grandma and my parents to thank for the large sum (approx. 30k). I really appreciate this privilege and am grateful for it every day 🌞

Now to my securities account: 💰

Initially, I was only interested in dividend stocks. An ETF was already to be held as the core. At that time, the proportion was still supposed to be 30%. Now I'm aiming for 50%.🌏

Over the years, the dividend stocks were joined by $NVDA (+2,2 %) or $GOOGL (+3,9 %) high-growth stocks have also been added to the portfolio. 📈

I have always been fascinated by gold, which is why I have further diversified my portfolio in this area🥇

I also started small projects to motivate myself:

For about a year now, just under 3k at scalable has been used for swing trading. I mainly take advantage of medium-term price fluctuations in large companies. The profits are paid out immediately and spent on nice moments, such as eating out with my girlfriend.

In my opinion, this is a perfect balance to the long-term investment strategy. Last year, we achieved a time-weighted return of just under 33%, which I absolutely did not expect. 🔥

In addition, there is a so-called "punctuality guarantee" for local and long-distance transport in my area - there is a flat rate of €5 for every 20 minutes of delay. I invest this in the $VHYL (+0,52 %) and see what happens. In the meantime, after about 2 years, I've saved up almost €250🚈

I haven't had any real income since this month, apart from (grand)parental support for university/rep and my apartment. Before that, I worked as a lifeguard at a swimming pool at the weekend. I also work "voluntarily" as a swimming coach for children aged 4-6. That pays me around €200 a month.

I will therefore have to reduce my daily allowance slightly, but this is the best investment for me. This simply gives me a lot more time to catch up on my work and write exams.

Thank you very much for your attention ♥️

💼 Equities & ETFs

• 🏭 R3N (French SME) → small caps reinforcement 🇫🇷 (PEA-PME)
• 🌍 Amundi EURO STOXX 50 II ETF → more exposure to European leaders $MSE (+0,81 %)
• 
  💰 Vanguard FTSE All-World High Dividend ETF → total return boost $VHYL (+0,52 %)
• 
  💻 iShares NASDAQ 100 ETF → tech remains my core 🔥 $CSNDX (+1,78 %)
• 
  🔌 Cisco Systems → double entry on US tech $CSCO (+1,09 %)
• 
  🧴 Coca-Cola → solid defensive value for dividends 🥤$KO (+0,1 %)
• 
  🧬 Zoetis → addition in the animal health sector 💊 $ZTS (+0,41 %)
• 
  🏦 S&P Global → diversification into premium finance 💼 $SPGI (+1,45 %)
• 
  ✈️ Booking Holdings → light position in high-end tourism 🌴 $BKNG (+2,46 %)

🪙 Crypto & Metals

• ₿ Bitcoin → small, quiet DCA $BTC (-0,01 %)
• 
  Ξ Ethereum → always faithful to the blockchain $BTC (-0,01 %)
• 
  🪙 iShares Physical Gold ETC → a little gold for balance 💎 $IGLN (-3,59 %)

💼 Sale

• ⚙️ Carpenter Tech → taking gains on beautiful perf 📈 $CRS (+1,86 %)

👋 Introduction & background

Hey everyone!

I'm 33, married and dad to two small children (18 months and 2 months old). I've been working in the automotive industry since 2011 and in management consulting since 2019. ⚙️🚗💼

My wife is an engineer and also works in the automotive industry. 👩‍🔧🚗

I've been with getquin since 2022, but so far I've been reading along rather than actively posting. 👀

My wife is currently on parental leave and receives parental allowance. I will go on parental leave in Q2 2026 (also with parental allowance), then she will start working again. This means that only one of us will receive a full salary until the end of 2026 - but we'll still be sticking to our savings and investment quota. 👶💶

💰 Current status:

A good mid-six-figure amount has already been saved in our custody accounts. 📈

👶 Children & investments

For each child, we invested €10,000 in the Vanguard FTSE All World ($VWRL) (+1,01 %) invested. In addition, each child receives €150 per month in the same ETF - via junior custody accounts at ING. 📊

💍 My wife's investments

She invests monthly:

- 🌎 500 € in the MSCI World ($XDWL) (+1,09 %)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (+0,52 %)

📈 My investment strategy

Long-term, diversified and with a focus on cash flow & wealth accumulation.

🔹Core portfolio (ETF & Bitcoin)

900 € flow in monthly:

- 💵 €500 in SPDR S&P 500 ($SPY5) (+1,18 %)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0,64 %)

- ₿ 200 € in Bitcoin ($BTC) (-0,01 %)

🔹 Individual share savings plans (€25/ €600 each)

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (+0,13 %) , $UNP (+0,47 %), $RACE (-0,64 %) , $MRK (+0,4 %) , $MUV2 (+0,62 %) , $DGE (-1,67 %) , $DE (+1,05 %) , $TXN (+0,03 %) , $AWK (-2,01 %) , $ADP (-0,12 %) , $PLD (+0,18 %) , $HEN (+0,04 %) , $ITW (-0,71 %) , $UNH (+0,78 %) , $LLY (-0,11 %) , $BEI (-1,56 %) , $MCD (+0,87 %) , $DTE (+1,46 %) , $WMT (-1,73 %) , $COST (-0,47 %) , $WM (-3,53 %) , $JPM (+1,22 %) , $BLK (-0,3 %) , $SY1 (-1,63 %)

🔹 Cash reserve

💰 Set aside at least €1,000 every month to be able to strike flexibly when opportunities arise.

🏘️ Real estate strategy

We live in our own home and own a rental apartment that pays for itself. ✅

Further real estate purchases are planned. 🏡📈

🎯 Target (15-20 years)

Financial freedom - with the option of part-time or complete independence from employment. Focus on more time for family, projects and quality of life. ✨

How do you structure your portfolios? What is your strategy and what are your long-term goals?

I look forward to the exchange!

Thanks to @gloinvest for the hint. @lawinvest brings a second calculation for US shares:

Example for US shares:

• You receive 100 $ dividend.
• 15 € will be withheld in the USA. (Provided form W-8BEN has been filed)
• In Germany you pay another $ 25 tax on the $ 100 + $ 1.375 solidarity tax
• But: 15 € are credited → you pay only an additional $11.375.

For the ETF in Ireland:

• You receive $100 dividend.
• 15 € will be withheld in the USA. (at font level)
• In Germany you pay another $14.875 tax on 70% of $85 + $0.8181 solidarity tax
• No crediting of withholding tax

So there is a 4.31% advantage here with direct investment in US shares via an Irish ETF

For countries with higher withholding tax (e.g. Switzerland 35%, France 25%, Italy 26%) it is much more complicated, because the credit is often capped and you have to get the rest via refund procedures.

ETFs often have better withholding tax efficiency because large fund companies can sometimes carry out refunds/reclaims that you would not be able to do as a private investor.

📊 Taxing dividends cleverly - ETF vs. individual share?

( Does this apply to D, other countries too? in AT, funds are taxed at a flat rate ( KEst) in CH there is wealth tax ..... )

You have Colgate in your portfolio and wonder why the dividend of 26,36 % while the same dividend via a dividend ETF is only taxed at 18,46 % is charged? Here is the explanation - and a smart tip for all dividend fans!

💡 The difference: partial exemption for ETFs

Benefit in Germany equity ETFs benefit from the so-called partial exemption:

• 30% of the income is tax-freeif the ETF invests at least 51% in shares.
• This reduces the effective tax burden on dividends from 26.375 % to approx. 18.46 %..

Individual shares such as Colgate, on the other hand, are subject to full withholding tax - despite partial crediting of the US withholding tax.

🧾 Conclusion

🔹 Individual shares = full tax but deduction of withholding tax

Dividend ETFs = tax-optimized, particularly interesting for non-US equities with higher withholding tax. Important for broad diversification!

🔹 Partial exemption = compensation must be calculated to determine whether it is worthwhile.

Can it be an ADVANTAGE in the long term? According to the above calculation, the advantage lies in direct investment for pure US equities, otherwise ETF is simpler and more profitable.

Here are a few examples:

🌍 Global dividend ETFs

• Vanguard FTSE All-World High Dividend Yield UCITS ETF $VHYL (+0,52 %)
  ISINIE00B8GKDB10
• Distributing, quarterly
• TER: 0,29 %
• Partial exemption: 30 %
• Invests worldwide in high-dividend companies
• iShares MSCI World Quality Dividend UCITS ETF $WQDS (+0,99 %)
  ISIN : IE00BYYHSQ67: IE00BYYHSQ67
• Focus on high quality dividend payers
• TER: 0,38 %
• Distributing, with global diversification
• SPDR S&P Global Dividend Aristocrats UCITS ETF $ZPRG (+0,13 %)
  ISIN : IE00B9CQXS: IE00B9CQXS71
• Contains companies with long-term dividend history
• TER: 0,45 %
• Distributing

🇩🇪 Dividend ETFs on German equities

• Deka DAXplus Maximum Dividend UCITS ETF $EL4X (+0,12 %)
  ISINDE000ETFL235
• Focus on highest dividend yields in the HDAX
• TER: 0,30 %
• Distributing
• Amundi DivDAX UCITS ETF Dist $E903 (+0,41 %)
  ISIN: DE000A0F5UH1
• TER: 0,25 %
• Distributing, based on DivDAX Index

🇺🇸 US dividend ETFs with good withholding tax structure

• Vanguard Dividend Appreciation ETF (VIG) $VIG (+0,54 %)
  ISIN: US9219088443
• Focus on high-growth dividend payers
• Attention: US domicile → note withholding tax
• SPDR S&P US Dividend Aristocrats ETF (SDY) $SPYD (+0,41 %)
  ISINUS78464A7634
• Contains US companies with at least 25 years of dividend growth

Which ETF do you have in your portfolio? Or why individual shares?

P.S. Before everyone says, it's common knowledge. You can never give out information like this too often. Maybe I heard it 5 years ago, but I haven't thought about it now. Surely others will feel the same way, right?

The stock market is turning red but my portfolio is green.

Follow my Road To 100K.

https://youtube.com/@meneervermogen1?si=-axDwKfrn_OFl1CP

$VHYL (+0,52 %)
$VWRL (+1,01 %)
$ASML (+1,87 %)
$NN (+0,57 %)
$MO (-1,42 %)

#investeren
#aandelen

Good morning,

I am quite new to the subject of investing etc. My knowledge ? I'm sure 99% of you have more.

And that's where I really need help. I am 39 and would like to build up a cash flow with dividends. Yes, I know that investing would be better in the long term. But I realized first hand how a little cold can lead you to the intensive care unit with 9 months of sick leave (including rehab etc).

That's when I realized that you also live in the here and now. Of course I also want to think about tomorrow, but I want to be able to do both. I would like to start with 250€ /month. I have in mind etf like $HMWO (+1,1 %) , $VHYL (+0,52 %) , $ISPA (+0,62 %) ,$TDIV (+0,64 %)
$ZPRG (+0,13 %) , $EUHD (+0,64 %)
$VWRL (+1,01 %) in mind.

And yet I am unsure . How much in whom, which one do I take ? should I possibly consider others ? Does the selection make sense at all? Do I want a distribution every month (would be great)?

At the moment I don't need the distribution and would reinvest it.

So many question marks buzzing around in my head .... Do you have any advice?

Thank you very much

Today is my 20th birthday and I thought I'd share my portfolio with the GetQuin community.

Last week I passed my final apprenticeship exam as an electrical and building services engineer with a special module in building control technology with an excellent result.

I first got involved with shares and ETFs when I was about 14 years old through various YouTube videos and had already developed a great interest in them. I made my first small investment at the age of 16, which at the time was around €600 in Bitcoin via the Swiss provider Relai (my average purchase price is €23,500)

On my 18th birthday, I opened a securities account with Trade Republic and invested in shares for the first time and immediately set up a savings plan. I continued to save and invest diligently. My savings rate was around €500 per month. I invested in 4 ETFs ($VWCE (+1,12 %)
$VHYL (+0,52 %)
$IUIT (+1,89 %)
$XAIX (+1,51 %) ) and various individual shares.

From time to time I added a bit more crypto to the portfolio, but I didn't buy any more this year as the crypto weighting in the portfolio became too high for me and my focus is more on shares and ETFs.

The gold in my portfolio comes from gifts for my birth and first communion.

As I will be joining the Austrian Red Cross as a civilian servant next week and will then only earn just under €950 per month, the savings rate will be reduced to €200 for the time being and will only be invested in $VWCE (+1,12 %) and $XAIX (+1,51 %) saved. When I see how I manage with the money, I will increase or decrease the savings rate accordingly.

I would be very interested to hear what you think of my portfolio and would also be very happy to receive suggestions for improvement.

Growth stocks continue to rise so I added dividends to my portfolio again.

If growth stocks go down I will buy them again.

$VHYL (+0,52 %)
$VWRL (+1,01 %)
$ASML (+1,87 %)
$GOOGL (+3,9 %)

#aandelen
#etfs
#dividend

https://youtu.be/DEVE8l1SVj8?si=UriSMIZtEz1RCLFV

I would like to start a completely new portfolio that will primarily revolve around dividends.

As a core I was thinking of $TDIV (+0,64 %)

Would you say this is a good core?

If not I would add $VHYL (+0,52 %) add.

Additionally I would like to have a CC ETF as a kind of support, probably $JEGP (+0,12 %) and or $SXYD (+0,67 %)

I would like to represent the NASDAQ with $EQQQ (+1,79 %) but I will represent it with $ASML (+1,87 %) and $2330 will be added.

Allianz $ALV (+1,01 %) and Munich Re $MUV2 (+0,62 %) I definitely want to include, but they are too expensive for me financially, so I was thinking of the $EXH5 (+0,89 %)

Oil shares are represented by $VAR (+1,17 %) and one more.

Do you have any recommendations?

I am thinking about $CVX (-0,25 %)
$EQNR (-0,73 %) and $PETR4 (+0,41 %)

I would also like renewable energies, but I'm not familiar with them.

Do you have any suggestions?

Becoming a defensive company $ULVR (+0,07 %)
$D05 (+1,1 %)
$O (+0,21 %) and of course $NOVO B (-0,65 %) Being.

$BATS (+0,34 %) I already have in a portfolio, would it be too much of a lump to add $MO (-1,42 %) to add to it?

I still have $KHC (+1,01 %) on the watchlist but the split is not going so well, would it be wise to start with a savings plan?

Apart from that $RIO (+1,19 %)
$NKE (-0,85 %)
$1211 (+1,8 %)
$SOFI (+5,06 %) and $HAUTO (+0,37 %) will be represented with smaller positions.

What is your opinion?

Would you improve anything?

What else would you add, especially in EE and defensive stocks?

Feedback is very important to me here, so far I have just been wandering aimlessly around the stock market without a fixed plan and strategy.

This is my first attempt to build something serious.

Greetings to all Getquins out there!