A lot of time has passed since my introduction over a month ago and the one or other post. I was not satisfied with my smorgasbord and have once again taken a serious and intensive look at the subject of the stock market.

Thoughts, suggestions from some nice people here on GQ and also posts https://getqu.in/WB1phr/ have really helped me here.

Thank you for that. @DonkeyInvestor , @Mister_ultra , @Epi , @Ph1l1pp , @ShrimpTheGimp , @MoneyISnotREAL , @Staatsmann

After the introductory words, now to the presentation of my portfolio.

I have finally decided on a strategy that I find suitable for me. The core-satellite strategy. Investment period 20 years.

I will gradually reallocate my previous investments and save an additional 600 euros per month in the portfolio.

For me, the decisive point here was that I continuously build up the "core" and use the satellites to pursue my "ideas" and also generate dividend income.

The percentage allocation of the investments to my individual satellites was based on the average return over the last 10 years.

Core (60%)

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HSBC MSCI World UCITS ETF - $HMWS (-5,6 %) - Share 60.0%

Satellites (40%)

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HSBC MSCI Taiwan Capped UCITS ETF - $HTWN (-3,92 %) - Share 4.9%

Xtrackers Euro Stoxx 50 UCITS ETF - $XESX (-5,29 %) - Share 2.4%

Invesco Technology S&P US Select Sector UCITS ETF - $XLKS (-5,76 %) - Share 7.8%

Xtrackers Artificial Intelligence and Big Data UCITS ETF - $XAIX (-5,55 %) - 7,0%

iShares MSCI World Energy Sector ETF - $WENS (-8,67 %) - Share 4.2%

Global X Defense Tech UCITS ETF - $ARMG (-9,68 %) - Share 3.6%

EUWAX Gold II - $EWG2 (-0,53 %) - Share 3.0%

Bitwise MSCI Digital Assets Select 20 ETP - $DA20 (+3,64 %) - Share 7.0%

Notes on the satellites:

An MSCI Emerging Markets would be a suitable addition to the core MSCI World. As most emerging markets ETFs rate China quite highly, but I am not convinced of this, I have picked Taiwan and chosen the MSCI index there. $HTWN (-3,92 %)

Technology $XLKS (-5,76 %) and AI $XAIX (-5,55 %) are still markets which, in my opinion, have a lot of potential. These two areas are also the reason why I invest in energy $WENS (-8,67 %) because the energy demand for AI, cloud, etc. is high.

I still see defense as a trend and have finally opted for the Global X Defense Tech $ARMG (-9,68 %) final decision. In my previous post on this, I was more interested in the HANetf Future of Defense $ASWC (-8,84 %) . As the European investment volume of the two ETFs (HanETF = 29.38%, Global X = 28.08%) is almost the same, but the Global X $ARMG (-9,68 %) invests more in the market leaders (Lockheed $LMT (-3,69 %) Northrop $NOC (-5,33 %)General Dynamics $GD (-7,4 %) etc.), it has now been included in the final selection.

I cover the currency sector with EUWAX Gold II $EWG2 (-0,53 %) and Bitwise MSCI Digital Assets Select 20 $DA20 (+3,64 %) . As you have seen from my previous posts, I am reluctant to invest in crypto. That's why it's "only" the Bitwise MSCI Digital Assets Select 20 ETP. This ETP tracks the 20 leading investable crypto assets and is therefore effectively the "MSCI World" for the crypto market.

PS: I have adjusted the crypto ETP slightly downwards in the percentage distribution with a minus of 50%.

downwards. If anyone actually looks at the table, -50% in 2022 is inserted by MIR for regulatory purposes 😉

I look forward to your feedback.

Best regards

Daniel

Hello dear community,

Christmas Eve is over and I thought I'd use the time to introduce myself. My name is Daniel, 45 years old, proud father of two grown-up daughters and I'm now also a member.

I burned a lot of money in the 90s with biotech shares on the "Neuer Markt". I think it was Quiagen. No matter. Back then, it wasn't as easy as it is today to get a comprehensive overview of the markets. I was cured for a long time and kept my hands off it. Looking back, not so clever 😩

With regard to my pension, I was actually not completely inactive and will probably have around 5K (per month) before taxes and contributions at 67. In addition, there are payments and shares from Riester, LV, industry pension and separate pension. That should be enough, as I'm actually a frugal person.

In addition, I'm venturing back onto the trading floor with shares and the like.

Now let's move on to my goals in the stock market world.

I want to create as much of a cushion as possible so that I can simply do what I want. Renovate a property, possibly sell it, go traveling, build a new home - anything is possible. And if I do end up giving up early, I want to provide my children with the best possible financial security.

To achieve this, I have structured my portfolio as follows.

35% shares

65% ETFs ETCs and funds

When it comes to shares, I have to admit that I am influenced by current trends and preferences for one brand or another. $AAPL (-6,8 %) , $AMZN (-3,47 %) etc., have tempted me. However, I quickly realized that I'm not the type for individual stocks. I'm keeping an eye on the shares, but I won't be expanding this part of my portfolio any further and will invest in ETFs again in due course.

In future, the focus will be on ETFs and ETCs, such as gold. $XGDU (-2,21 %) gold.

My ETFs are roughly divided up as follows.

- Technology

- industry

- Armaments and defense

- gold

- Raw materials

These are mainly dividend-paying ETFs. I plan to keep reinvesting the dividends via the annual exemption order, in our case EUR 2,000, but save as much tax as possible.

Crypto is a closed book for me. I'm not cut out for this kind of thing. I just don't understand the principle. And somehow too late.

I probably should have invested 100 euros in $BTC (-1,48 %) if I had known about it. Then I probably wouldn't have to worry about it today.

In addition to my initial investment, I would like to use the monthly savings installment of 500 euros with an annual growth rate of 3% for the next 20 years to perhaps take a bath in my bathtub like Scrooge McDuck. It probably won't be enough for the money bin, but what the heck.

My basis is the UniDynamicFonds: Global -net- A ($LU0096426845 (-6,38 %) C ). Yes, I know it's a fund with a relatively high TR. It's a relic from days gone by. However, it has not done badly over the last five years. I will convert this main position into an ETF in due course and steadily build it up. The second fund will then also be transferred to ETFs. Here are the $XAIX (-5,55 %) and the $XUTC (-5,56 %) are ready.

But I will come back to you with a separate question.

My current larger positions are

- UniDynamicFonds: Global net A $LU0096426845 (-6,38 %)

- UniSector: HighTech A $LU0101441672 (-5,91 %)

- VanEck Defense ETF A $DFEN (-9,24 %)

- VanEck Semiconductor ETF A $IE00BMC38736 (-6,55 %)

- IE Physical Gold ETC Securities $XGDU (-2,21 %)

- VanEck Ms Developed Markets Div Lead ETF $TDIV (-4,93 %)

- SPDR MSCI ACWI IMI ETF $SPSA (-4,75 %)

The rest is somewhat broadly diversified. I find Health very interesting, but here I have chosen two individual stocks $$NOVO B (-6,66 %) & $DXCM (-3,38 %) "and I'm still looking for the right ETF. Here I have the $XUHC (-5,03 %) for the time being.

In the near future I will be looking at Japan $UIM5 (-3,57 %) Nordic countries $XDN0 (-6,26 %) Europe $V3EL (-5,71 %) and also Germany $VGER (-5,69 %) further. I also see long-term potential here and I am creating some distance from my very US and technology-heavy investment stocks.

Roughly speaking, my portfolio should have a large all-world ETF and everything else around it - in keeping with the current times - is the Christmas bauble around the tree.

I look forward to any feedback.

Have a nice holiday season

Best regards

Daniel

____

Thanks to @DonkeyInvestor for the guide 🤪

Hello everyone,

I have recently started investing and would like to hear your opinions on my investment strategy.

I can save around €3,000 per month. I invest €2,000 of this in ETF savings plans:

• 700 € in the FTSE All-World $VWRL (-4,62 %)
• 
  1,000 € in the S&P 500 Core $CSPX (-5,42 %)
• 
  100 € in the VanEck Semiconductor $IE00BMC38736 (-6,55 %)
• 
  100 € in the S&P 500 Info Tech $IUIT (-5,5 %)
• 
  100 € in the Xtrackers Artificial Intelligence $XAIX (-5,55 %)

I also invest €1,000 per month in growth stocks.

I am aware that some sectors in my ETFs and even shares overlap. However, as I am deliberately aiming for an overweight in the tech sector, I am following this strategy.

I look forward to your feedback and advice! #etfs
#stockanalysis
#tech
#investing
#growth

Big data and AI: from vision to reality

Inflation, recession, interest rate policy: while many investors may be unsettled by current developments, two megatrends are continuing their unstoppable path - big data and artificial intelligence.

Find out in the following article how these growth areas of digitalization are changing our lives and how you can benefit from the growth of these future markets with targeted thematic ETFs.

___________________________

Big data and artificial intelligence are among the most important megatrends of our time. What sounded like visions of the future just a few years ago is increasingly becoming reality today. A vivid example: a US company recently presented humanoid robots that not only perform simple tasks, but could soon make autonomous decisions in complex environments. What once seemed like science fiction is now becoming tangible and seems to be gaining speed. Although artificial intelligence (AI) is not a new concept, technological advances have noticeably accelerated its development in recent years.

Some people may ask themselves in their own workplace whether the hype surrounding artificial intelligence is really justified. After all, the efficiency gains from a few AI-suggested or language-optimized emails do not provide a quantum leap in everyday working life. But while the changes may still seem subtle in some areas, the true breakthrough of AI is already clearly evident in other sectors. In healthcare in particular, we are seeing how big data and artificial intelligence can revolutionize entire processes. By analyzing huge amounts of data, AI systems can now make precise diagnoses. This not only saves time and money, but can also save lives.

The exponential progress of modern processor chips also plays a decisive role here. Microchips double their performance roughly every two years - a development that makes it possible for AI systems to be so powerful today. A modern graphics card now has more computing power than a supercomputer 20 years ago. These technological leaps form the foundation for many of the groundbreaking applications we see today.

Of course, not everyone is affected by these advances to the same extent. Many may only notice small changes in their everyday lives - such as an optimized working environment or more efficient processes. But investors have the opportunity to participate in these major developments via the stock market, regardless of how much they affect their own everyday lives.

For those who do not want to search for the most promising companies themselves, so-called thematic ETFs offer an easier way to participate in the potential of megatrends. These ETFs bundle companies that focus specifically on promising technologies such as AI and big data. The rise in the global offering of thematic funds shows that these products are enjoying great popularity: while there were only 110 such funds in 2016, the number had increased sixfold to over 650 by 2023.

Xtrackers also offers investors the opportunity to benefit specifically from the megatrends of global digitalization.

The Xtrackers Artificial Intelligence & Big Data ($XAIX) (-5,55 %) already manages a fund volume of almost 3.5 billion euros. Investors can invest in companies that deal with artificial intelligence, big data and cybersecurity - from small innovators to global technology giants. Around 83% of the ETF portfolio is invested in the USA, the center of technological innovation (as of November 2024).

For investors who already hold a broadly diversified ETF portfolio but are also looking for targeted exposure to AI and big data, the ETF listed could be considered as an addition to the existing portfolio.

For more information, please visit our website: Xtrackers.de

****************

Product risks:

The funds are not capital protected. The value of your investment may fall as well as rise. Past performance is not a reliable indicator of future performance. The fund has exposure to less economically developed countries (also known as emerging markets), which are associated with greater risks than developed economies. Political unrest and economic downturns are more likely to occur and may affect the value of your investment. The value of an equity investment depends on a number of factors, including market conditions, current economic conditions, industry, geographic region and political events. The Fund focuses on a single or small number of sector(s), industry(ies) or type(s) of company and performance may not reflect the performance of broader markets. The Fund invests in small and mid-capitalization companies. This may entail higher risks compared to investments in larger capitalization companies. The shares may be less liquid and more exposed to price fluctuations (or volatility), which may affect the value of your investment. The fund is subject to currency risk. Currency markets can be very volatile. Sharp price fluctuations can occur on currency markets within very short periods of time and may result in a loss on your investment.

IMPORTANT NOTES

All opinions expressed reflect current views, which are subject to change without notice. Forecasts are based on assumptions, estimates, opinions and hypothetical models or analyses that may prove to be incorrect or inaccurate. Past performance is not a reliable indicator of future performance.

DWS International GmbH, 28.10.2024, CRS: 103353

Hi, I'm still very much at the beginning. Should I $XAIX (-5,55 %) from my portfolio and put everything in the $IWDA (-5,63 %) put everything in the 😊

I once heard about 70/30 and that's why I had a bit of savings in it. But it's actually just a hype ETF.

Hello dear Gequin Community,

I am currently working on restructuring my portfolio. Historically, I currently have a few funds and a number of individual shares.

I would like to switch the funds to ETFs and continue to save in them.

Classically, I would now select the following ETFs:

$VWCE (-5,52 %) / $VHYL (-4,8 %) and $VFEG (-5,21 %)

Now my little thought experiment: Why should I limit myself to three ETFS when I could spread the whole thing much more widely? I have also thought about something like this (with smaller sums, of course):

$WELS (-5,26 %)

$ECOG (-5,12 %)

$EXH5 (-7,16 %)

$CHIP (-6,62 %)

$DFEN (-9,24 %)

$XDWF (-7,54 %)

$RBOT (-5,7 %)

$XAIX (-5,55 %)

$IH2O (-4,29 %)

$WELW (-3,73 %)

Of course I have a few duplications here, but I am much more differentiated.

Does this approach make sense in your eyes or is it a modest idea?