$CSPX (+1,61 %)
$IWDA (+1,64 %)
$XDWD (+1,71 %)

Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

• My savings rate is therefore only €300 a month
• 100€ goes into a call money account as a reserve
• 200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

• 60€ $XDWD (+1,71 %) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+1,12 %) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (+2,13 %) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
• 20€ $SAEU (+1,29 %) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

• 10€ $LIN (+1,87 %) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
• 10€ $PG (+0,25 %) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (+0,4 %) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (+1,46 %) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (+2,2 %) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
• 10€ $NKE (+0,64 %) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
• 10€ $WM (+0,8 %) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (+2,19 %) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

• $SHEL (-0,31 %) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (+0,65 %) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (-0,24 %) I am convinced of the company, I think that Nu will have a successful future.
• $O (+1,83 %) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (+0,53 %)
$SOL (+2,32 %)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

I'm 19 and a student, so I don't have much income at the moment.

Last week I sold my $XDWD (+1,71 %) last week to reduce my USA share, as I assume that the USA will lose its supremacy, which will benefit the EU. (Hence the Dax and Greece etf).

On the watchlist are (and will probably be bought in a crash)

$PNG (+0,94 %)
$EWI (+1,64 %)
$EIN3 (+2,38 %)
$FUR (+3,54 %) (was already in the portfolio) and $SY1 (+3,14 %)

Hi folks,

I also wanted to take the opportunity to ask the community for advice. I'm still quite new here (started in January 2024) and have been thinking about changing my ETF savings plan strategy for a few weeks. I am currently saving the 5 ETFs you see in the screenshot below, each with 200€ / month.

$XDWD (+1,71 %)
$IUIT (+2,12 %)
$CSNDX (+2,03 %)
$VWRL (+1,71 %)
$VUSA (+1,62 %)

However, I've been thinking more and more about stopping either the S&P 500 Info Tech. or the NASDAQ 100. I actually have two ETFs in mind. Divided into distributing and distributing per world and with a focus on the US, which would then be the case.

However, in recent weeks we have been reading more and more here and in other media about the $TDIV (+1,54 %) and also from $JEGP (+1,29 %) .

I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (+1,54 %) and $JEGP (+1,29 %) tempted to expand after all 🙈😅

What would you advise me to do? My investment horizon is 30+ years. In addition to the €1,000 in ETFs, I save €1,000 a month to invest in individual shares.

Completely different ideas for the constellation are also welcome. I like to be inspired and think about it.

PS: before I forget, a huge thank you to this great community, which has made my start in investing much easier. The daily posts and discussions are fun and expand my knowledge from day to day. A positive side effect is the reduced consumption of other social media 🤣

Enough said, I look forward to your feedback. Have a nice rest of Sunday everyone!

John

$XDWD (+1,71 %) ...don't beat a gift horse ;)

Let's see what happens after the 6 + 1 years.

$XDWD (+1,71 %) is fun.

$XDWD (+1,71 %)
$IWDA (+1,64 %)
$SEMI (+2,03 %)

My portfolio is currently in free fall. When do I get out to reduce my loss? I'm only up 8%. My goal has always been to invest in ETFs for the long term.

Reallocation of DHL profits to the MSCI World.

Well then, slowly and bit by bit, add a little more money as prices fall

Hello everyone,

I would like to start a discussion about the best #etf s for the #schweiz to start. Let's start with the most important basics:

• Dividends are taxed as income in Switzerland (even for accumulating ETFs). So ultimately it doesn't matter for tax purposes whether you have a distributing or accumulating ETF.
• Access to American ETFsas not a member of the EU and therefore access to significantly cheaper ETF alternatives (e.g. $VT (+1,41 %) ).
• Agreement between the USA and Switzerland reduces the US withholding tax from 30% to 15%. The remaining 15% can be claimed in the tax return for American ETFs.
• In the case of high to very high assets, ETFs with an American fund domicile may be taxed by the IRS for tax purposes.
• In the case of inheritance it could be a documentary/bureaucratic challenge for the surviving dependants with the IRS to transfer the ETFs with American brokers (classic #ikbr ).
• From a tax perspective, Irish ETFs are the most interesting after American ETFs due to the agreement between Ireland and the USA to reduce withholding tax from 30% to 15%. However, the remaining 15% cannot be claimed on the tax return.

For some years now I have been investing in the MSCI World $XDWD (+1,71 %) (World Industrialized Countries) and not too long ago the AC World $XMAW (+1,8 %) (All World). This is because, in addition to my Swiss broker (#saxobank ) and #ikbr my German bank (#consorsbank ) and Amundi and Xtracker ETFs can be saved there free of charge, which would be obsolete due to the low costs of Saxo and/or IKBR. In addition, these are accumulating and I would prefer to save in distributing ETFs. With a TER of 0.19% and 0.25%, these are okay, but certainly not the best ($VT (+1,41 %) or $at 0.06%).

Irish alternatives would be the $WEBG (+1,53 %) (TER 0.7%, distributing, All-World), $UBU7 (+1,68 %) (TER 0.10%, distributing, MSCI-World), $VDEV (+1,72 %) (TER 0.10%, distributing, industrialized countries) or $XDWL (+1,73 %) (TER 0.12%, distributing, MSCI-World and counterpart to my accumulating $XDWD (+1,71 %) ).

Which ETF do you save in if you are a Swiss resident? Which ETF would you save in if you were in the Swiss "luxury" situation?