Just before the small crash a small partial sale at $GOOGL (+1,17 %) just before the small crash. Caught exactly the right moment. The profits are solidly invested in two ETFs 🤑

$VWRL (+0,42 %)
$VHYL (+0,26 %)

What is your opinion?

Have I left profits lying around because I sold? 🧐

October was the month of big decisions and consistent adherence to the plan! While the crypto market was still euphorically looking upwards, I think I recognized the signals: The bull market came to an end around October 21, For me it was time for an exit from this asset class. With the exception of a small holding of a few euros in $BTC (-2,24 %) as a souvenir, I am completely out of crypto. Everything was shifted to my crypto successor portfolio. Sure, there was a brief tingling sensation and I wondered whether I was getting out too early.

But there are plans precisely for scenarios like this. To conquer emotions that jeopardize profits and let discipline prevail. And how am I feeling now after the exit? Pure relief! Finally no longer sitting there hoping that things will rise to my desired level or stay there. I'll reveal in detail what happens next for me in the coming year.

At the same time, the half-year bonus was added to the portfolio, the dividend base was broadened and I was able to relax and let it all sink in while hiking in the autumn air. My portfolios continued to do their job. The cash flow is flowing. Time for a review of a month that shows that a strategy beats FOMO.

Overall performance

October brought another boost for me in some assets, while others consolidated somewhat. Perhaps this is already a sign that stocks are positioning themselves for the year-end rally? I am firmly convinced that the current shutdown in the US administration will not act as a brake here. My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): +1,39% (previous month: +1.76%)
• TTWROR (since inception): +77,04%
• IZF (month under review): +17,65% (previous month: +9.64%)
• IZF (since inception): +10,94%
• Delta: +1,160.94€
• Absolute change: +€2,224.10

Performance & volume

$AVGO (+2,87 %) is still my largest single position, but is losing momentum this month. However, its distance to the other positions is large enough, no one in the portfolio can hold a candle to my +337% share. But $NFLX (-0,34 %) and $GOOGL (+1,17 %) and others are trying hard to get there. Alphabet is now in the top 5 by volume and performance. I like the company. With YouTube and Cloud Services, they have good cash cows that enhance traditional search. And this is now also being upgraded with Gemini integrated into search. And Nano Banana ... wow.

Google is not always the leader, but it is always catching up. The competition between the tech giants is a spectacle that I love to watch.

And yet I prefer to rely on the more stable industries. Even the $BAC (+0,69 %) and $WMT (+0,22 %) continue to cut a good figure. Boring, but still good businesses that generate income. That's what I want! These are really two sectors that I have become very fond of. Nevertheless, the red lantern once again goes to $TGT (+0,25 %) which continue to have a hard time. But I'm sticking with it and buying more. Because $TGT (+0,25 %) is systemically relevant and will not go to the dogs. They just have problems with theft and competition.

Size of individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio and associated securities account:

$AVGO (+2,87 %) 3.14% (main share portfolio)

$NFLX (-0,34 %) 1.72% (main share portfolio)

$WMT (+0,22 %) 1.65% (main share portfolio)

$BAC (+0,69 %) 1.48% (main share portfolio)

$GOOGL (+1,17 %) 1.41% (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share (%) of the total portfolio and associated securities account:

$NOVO B (+1,73 %) 0.45% (main share portfolio)

$BATS (-1,05 %) : 0.50% (crypto follow-on portfolio)

$GIS (+0,46 %) 0.55% (main share portfolio)

$TGT (+0,25 %) 0.58% (main share portfolio)

$MDLZ (+0,63 %) 0.60% (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

$AVGO (+2,87 %) : +337% (main share portfolio)

$NFLX (-0,34 %) +151% (main share portfolio)

$GOOGL (+1,17 %) +99% (main share portfolio)

$WMT (+0,22 %) +77% (main share portfolio)

$BAC (+0,69 %) + 74% (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

$TGT (+0,25 %) : -35% (main share portfolio)

$GIS (+0,46 %) -34% (main share portfolio)

$NKE (+0,14 %) : -32% (main share portfolio)

$NOVO B (+1,73 %) -28% (main share portfolio)

$CPB (-0,2 %) : -27% (main share portfolio)

Asset allocation

Due to my crypto reallocation, the ETF share is increasing. My asset allocation is as follows:

ETFs: 41.5%

Equities: 58.4%

Crypto: less than 0.01%

P2P: less than 0.01%

Investments and subsequent purchases

I have invested the following amounts in savings plans:

Planned savings plan amount from the fixed net salary: €1,030

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: €1,140

Savings ratio of the savings plans to the fixed net salary: 49.75%

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 73.00

Subsequent purchases/one-off savings plans as a cashback annuity from bonuses: € 894.97

Subsequent purchases from other surpluses: €31.00

Automatically reinvested dividends by the broker: €2.76 (function is only activated for an old custody account, as I otherwise prefer to control the reinvestment myself)

Additional purchases from crypto sales: €1,604.86

Additional purchases were made in various custody accounts outside the regular savings plans:

Number of additional purchases: 9

124.97€ for $SPYD (+0,2 %)

770,00 $JEPQ (+1,08 %)

28.00€ for $JEGP (-0,34 %)

45,00€ for $GGRP (+0,26 %)

477,77€ for $DXSA (+0,06 %)

252,51€ for $EXX5 (+0,23 %)

270,99€ for $SHEL (-1,09 %)

102,97€ for $HSBA (-0,41 %)

445.58€ for $BATS (-1,05 %)

Passive income from dividends

My income from dividends amounted to € 148.90 (€ 81.32 in the same month last year). This corresponds to a change of +82.43% compared to the same month last year. The strong increase is due to the fact that my large Vanguard ETFs postponed the distribution to the reporting month. Further key data on the distributions follows:

Number of dividend payments: 26

Number of payment days: 10 days

Average dividend per payment: €5.73

average dividend per payment day: €14.89

The top three payers are:

$ISPA (+0,28 %)

$VHYL (+0,26 %)

$VWRL (+0,42 %)

My passive income from dividends (and some interest) mathematically covered 16.05% of my expenses in the month under review.

Crypto performance

My crypto portfolio is distorted by the sell-off and will not be calculated again until I get back in. That will now take quite a while. I got out later than I wanted to, but still made a good profit. Only the Oracle of Delphi knows whether I am right with my approach. My key figures:

Performance in the reporting period: -

Performance since inception: -

Proportion of holdings for which the tax holding period has expired: 100%.

Crypto share of the total portfolio: less than 0.001%

Now it's time for the same thing as last crypto winter. Learning and understanding. And the current crypto winter hasn't even started yet. However, I think that prices will fall less sharply than in previous cycles and that the decline will be more orderly due to institutional adaptation. That's a good thing right now, as it makes it easier to get back in.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

TTWROR (current month): +1,39%

$VWRL (+0,42 %) : +4,66%

$VUSA (+0,25 %) : +2,76%

I am lagging behind the ETFs. 🤷🏼‍♂️

Risk ratios

Here are my risk figures for the month under review:

Maximum drawdown: 1.94% (YTD: 17.17%)

Maximum drawdown duration: 13 days (YTD: 702 days)

Volatility: 2.51% (YTD: 28.02%)

Sharpe ratio: 7.03 (YTD: 0.39)

Semi-volatility: 1.69% (YTD: 20.82%)

A drawdown of only 1.94% in October? That's exactly how it should be. While the markets trended sideways to slightly upwards, my portfolio remained frighteningly boring. And in the best sense of the word. The volatility of 2.51 % and the semi-volatility of 1.69 % confirm that my crypto exit has increased the stability of my portfolio. No more wild swings, just solid growth. The Sharpe ratio of 7.03? Brutally good. Maybe Trump's China deal helped the markets, maybe it was just my perfect timing. No matter! The figures speak for themselves: strategy beats chaos.

Outlook

Thanks for reading, this time I want to keep the outlook deliberately short. I'm glad that you're honoring the several days of work in front of the computer in the evenings when others are chilling with Netflix with your lifetime. I don't have anything else for the miscellaneous category this time. If you want to know what else is on my mind, please refer to the August review. I'll have something to say about that next December, I think. Stay safe and sound!

👉 Would you like to see my review as an Instagram Carousel post?

Then follow me on Instagram:

📲 In addition to the portfolio and budget review, there are currently three posts a week: @frugalfreisein

Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have also been "copied" several times now.

👉 How was your month in the portfolio? Do you have any tops and flops to report?

Leave your thoughts in the comments!

$CSPX (+0,25 %)
$IWDA (+0,3 %)
$EIMI (+0,85 %)
$CSNDX (+0,51 %)
$VUSA (+0,25 %)
$VHYL (+0,26 %)
$SPYI (+0,25 %)
$HMWO (+0,16 %)

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.

• 🧬 ASM International - Technology / Semiconductors $ASM (+2,8 %)
• 
  🪙 iShares Physical Gold ETC - Precious metals / Hedging $IGLN (+0,64 %)
• 
  💻 iShares NASDAQ 100 ETF - US index / Growth $CSNDX (+0,51 %)
• 
  🧠 Atoss Software - Software / SaaS $AOF (+0,68 %)
• 
  🇪🇺 Amundi EURO STOXX 50 II ETF - European index / Stability $MSE (+0,4 %)
• 
  🌍 Vanguard FTSE All-World High Dividend Yield ETF D - Global Dividend $VHYL (+0,26 %)
• 
  ₿ Bitcoin - Crypto / Diversification $BTC (-2,24 %)
• 
  🧩 Ethereum - Crypto / Innovation & Web3 $ETH (-1,39 %)
• 
  📊 S&P Global (SPGI) - Financial data / Ratings / Indices $SPGI (-0,08 %)

Good morning,

I 34 have built up a portfolio like many people here.

Now I'm wondering whether I've made it too complicated.

I am considering selling all ETFs except for the $VHYL (+0,26 %) and $VWRL (+0,42 %) and to continue saving there.

I'm aware that I'm losing out on returns, but I'm alive now.

I'm also saving in the individual stocks because I like the structure of these companies and therefore want to give them an additional higher weighting.

But I would also part with 1-2 of them. And continue to invest in favor of the other companies. In this case I see $WMT (+0,22 %) on the hit list. As well as the $CS (+0,05 %) .

Please roast my portfolio and give me constructive criticism!

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 (-0,92 %) or $GOOGL (+1,17 %) 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 (+0,26 %) 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 (+0,4 %)
• 
  💰 Vanguard FTSE All-World High Dividend ETF → total return boost $VHYL (+0,26 %)
• 
  💻 iShares NASDAQ 100 ETF → tech remains my core 🔥 $CSNDX (+0,51 %)
• 
  🔌 Cisco Systems → double entry on US tech $CSCO (+0,3 %)
• 
  🧴 Coca-Cola → solid defensive value for dividends 🥤$KO (-0,25 %)
• 
  🧬 Zoetis → addition in the animal health sector 💊 $ZTS (-0,04 %)
• 
  🏦 S&P Global → diversification into premium finance 💼 $SPGI (-0,08 %)
• 
  ✈️ Booking Holdings → light position in high-end tourism 🌴 $BKNG (+1,28 %)

🪙 Crypto & Metals

• ₿ Bitcoin → small, quiet DCA $BTC (-2,24 %)
• 
  Ξ Ethereum → always faithful to the blockchain $BTC (-2,24 %)
• 
  🪙 iShares Physical Gold ETC → a little gold for balance 💎 $IGLN (+0,64 %)

💼 Sale

• ⚙️ Carpenter Tech → taking gains on beautiful perf 📈 $CRS (-1,48 %)

👋 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) (+0,42 %) 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) (+0,23 %)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (+0,26 %)

📈 My investment strategy

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

🔹Core portfolio (ETF & Bitcoin)

€1,000 flows in every month:

- 💵 €600 in SPDR S&P 500 ($SPY5) (+0,25 %)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0,07 %)

- ₿ 200 € in Bitcoin ($BTC) (-2,24 %)

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

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (+1,25 %) , $UNP (-0,42 %), $RACE (+0,4 %) , $MRK (+0,46 %) , $MUV2 (-0,17 %) , $DGE (+0,91 %) , $DE (+0,07 %) , $TXN (+1,26 %) , $AWK (+0,5 %) , $ADP (+0,46 %) , $PLD (-0,06 %) , $HEN (+0 %) , $ITW (+0 %) , $UNH (-0,59 %) , $LLY (+0,63 %) , $BEI (-0,06 %) , $MCD (+0,99 %) , $DTE (+0,31 %) , $WMT (+0,22 %) , $COST (+0,71 %) , $WM (+0,24 %) , $JPM (+0,23 %) , $BLK (-0,53 %) , $SY1 (+1,09 %)

🔹 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!