Hello everyone,

What do you think of the following investment strategy?

Global core (30% portfolio share)

$XDWD (-1,16 %) Xtrackers MSCI World UCITS

Europe share (15% portfolio share)

$SMEA (-1,78 %) iShares Core MSCI Europe ETF

Emerging markets (10% portfolio share)

$XMME (-2 %) Xtrackers MSCI Emerging Markets ETF

Distributions (15% of the portfolio)

$TDIV (-0,1 %) VanEck Morningstar DM Dividend Leaders ETF

The remaining 30% consists of 20% individual stocks (old market / tech) and 10% cash reserve.

Strategy: Growth focus with a small dividend component to generate additional capital for new investments, speculation and additional purchases while at the same time realizing the tax-free allowance.

Hello everyone,

Some time ago, at the beginning of the Iran war, I reorganized my portfolio to make it easier for myself overall.

I sold my individual stock positions with profits and have now switched my portfolio to an ETF structure. I simply want to build up assets for my family for the future without extreme risk and away from conventional call money/accounts. Dividends are not intended as income but rather as annual vacation money for the family to enjoy.

I am currently looking for additions to my ETF positions. Currently led by $XDWD (-1,16 %) , $ISPA (-0,79 %) , $LDGL (-1,2 %) , $EIMI (-2,98 %) , $D6RR (-1,45 %) I am quite satisfied. All are saved with a total monthly savings plan of EUR 850.

The EM position will also be increased again with the next special payment and price correction in order to further increase the emerging markets.

Which ETFs would be useful to include in my portfolio? Do you have any ideas? I would like both accumulating and distributing.

I am currently thinking of small caps ?

Please do not include the business shares/ Uni Global positions, as these positions are VL and employer shares with 7% dividends.

Best regards

Dear getquin community,

I've been quietly reading along here for some time now and have really taken a lot from many of the posts. I am now facing a major decision myself and am really hoping for your opinions and experiences.

Briefly about me and my situation: I am in my mid-20s and have been investing privately for around ten years. Up to now, I have mainly bought individual shares or commodity ETCs when the right opportunities arose and held them for the long term. During my studies, investing was rather irregular, but this was perfectly sufficient for my goals at the time.

For some years now, I have been running a small company in the e-commerce sector together with a colleague. In the meantime, profits have accumulated there, most of which are currently sitting unused in accounts and losing value due to inflation. This is exactly what I want to change now.

My aim is to invest this capital sensibly in order to maintain purchasing power and, in the best case, achieve a solid return. To start with, we would like to invest around 200,000 euros.

My thoughts on the allocation so far are as follows:

• 30% in $XMME (-2 %) (Emerging Markets ETF)
• 30% in $XDWD (-1,16 %) (MSCI World)
• 20% in $XAD6 (-8,18 %) (Physical Silver ETC)
• 20% in $XAD1 (-2,26 %) (Physical Gold ETC)

As I have no experience with larger one-off investments within short periods of time, I would be very pleased to receive your feedback. I am particularly interested in the following points:

• What do you think of the basic allocation?
• Would you rather invest everything at once or take a staggered approach?
• Do you think a proportion of gold or silver makes sense at the current price level?

I would be grateful for any advice, criticism or suggestions for improvement. Thank you very much in advance for your time and input.

Love Grüße✌🏻

Hello everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (-1,16 %)
• Emerging markets, $EIMI (-2,98 %)
• AI and big data, $XAIX (-2,1 %)

Smaller side bets were added later.

• Armaments, $DFEN (-3,01 %)
• uranium, $U3O8 (-3,17 %)
• batteries, $BATG (-3,89 %)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (-2,91 %) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (+0,46 %) ,$1SXP (-1,95 %) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (-0,79 %)
• $VHYL (-1,1 %)
• $ZPRG (-0,5 %)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0,34 %) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (-1,16 %) , 34 percent
• $IEEM (-2,99 %) , 26 percent
• $XAIX (-2,1 %) , 13 percent
• $EXSH (-1,08 %) , 26 percent

Side bets with 81 euros per month

• $DFEN (-3,01 %) , 62 percent
• $BATG (-3,89 %) , 10 percent
• $QYLE (+0,34 %) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

$IWDA (-1,2 %)
$CSPX (-0,91 %)
$EIMI (-2,98 %)
$CSNDX (-1,29 %)
$ISAC (-1,15 %)
$VUSA (-0,91 %)
$HMWO (-1,15 %)
$XDWD (-1,16 %)
$SPPW (-1,17 %)
$WSML (-1,42 %)

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Reading time: approx. 10 minutes

The last article was about leveraged daily ETFs - in other words, about momentum, short-term market movements and strategies where timing is crucial. Today it will be much quieter. It's about what remains when markets fluctuate and hypes fade: the fundamentals.

This article is aimed primarily at beginners and is intended to help them find their way through the ETF jungle - to understand which products are truly global, how they differ and how to build a stable core portfolio.

After all, long-term wealth accumulation does not start with the search for the highest return, but with a solid core. In my case, this core consists of three pillars:

• $ISAC (-1,15 %) (iShares MSCI ACWI UCITS ETF) - as a global equity building block
• $BTC (-0,81 %) (Bitcoin) - as a diversifying, asymmetric building block with its own risk profile
• $SEGA (-0,82 %) (iShares Core Euro Government Bond ETF) - as a defensive counterbalance on the bond side

These three positions form the backbone of my portfolio. The rest - i.e. rotation strategies, thematic investments or leveraged products - complement the foundation.

Why an ETF comparison is important

"World ETF" sounds like global diversification. In practice, however, many of these funds only cover industrialized countries. The difference between $XDWD (-1,16 %) (iShares MSCI World UCITS ETF), $ISAC (-1,15 %) (iShares MSCI ACWI UCITS ETF) and $VWCE (-1,4 %) (Vanguard FTSE All-World UCITS ETF) is not a marginal detail, but crucial for your own investment strategy.

Anyone who understands these differences quickly realizes how much the selection of the index determines the actual distribution in the portfolio - and how much "world" is actually in your own ETF.

The $ISAC (-1,15 %)
(iShares MSCI ACWI UCITS ETF)

The $ISAC (-1,15 %) tracks the MSCI All Country World Index - around 2,800 stocks from 47 countries, covering around 85% of global market capitalization.

Regional breakdown (as at October 2025):

• USA: approx. 65 %
• Europe: approx. 15 %
• Asia (incl. Japan & China): approx. 10%
• Emerging markets: approx. 10 %

This combines the $ISAC (-1,15 %) industrialized and emerging markets in one product - exactly what many investors replicate themselves with two ETFs (MSCI World + MSCI Emerging Markets).

The total expense ratio (TER) is currently 0.20% p.a. - extremely favorable for a global fund of this breadth.

I use it as a core building block because it combines global diversification with simplicity: one ETF, one decision, global participation.

$ISAC (-1,15 %)
vs. $XDWD (-1,16 %)
(iShares MSCI World)

The $XDWD (-1,16 %) (iShares MSCI World UCITS ETF) only tracks 23 industrialized countries - no emerging markets, no China, no India. It contains around 1,500 stocks and is heavily dominated by the USA.

The $ISAC (-1,15 %) (iShares MSCI ACWI UCITS ETF) expands this base to include 24 emerging markets and thus has around 2,800 stocks. This means:

• $XDWD (-1,16 %) is more focused, somewhat more stable, but limited to mature markets.
• $ISAC (-1,15 %) is broader, more future-oriented and contains more growth markets.

In recent years, the MSCI World has been slightly ahead because the emerging markets have underperformed. In the long term, these phases tend to even out - and this is precisely where the ACWI shows its strength: It automatically grows with the global economy, even if the regional focus changes.

$ISAC (-1,15 %)
vs. $VWCE (-1,4 %)
(Vanguard FTSE All-World)

The $VWCE (-1,4 %) (Vanguard FTSE All-World UCITS ETF) is the best-known alternative to the $ISAC (-1,15 %) . It also combines industrialized and emerging markets, but according to the FTSE index methodology and with around 4,000 shares - i.e. somewhat broader.

Both funds fulfill the same purpose: global coverage in a single product. The differences lie in the details - for example in the country classification (e.g. South Korea is listed as an industrialized country in FTSE, but as an emerging country in MSCI).

The performance is also almost identical. The TER of the $VWCE (-1,4 %) at 0.19% p.a. is even slightly lower than that of the $ISAC (-1,15 %) . Both funds therefore offer an almost equivalent opportunity to invest globally over the long term.

Concentration in the $ISAC (-1,15 %)

Despite its breadth, the ACWI is also concentrated on a few heavyweights. The top 5 positions account for around 18% of the fund (as at October 2025):

• $NVDA (-4,01 %) (NVIDIA)
• $AAPL (+1,02 %) (Apple)
• $MSFT (+3,42 %) (Microsoft)
• $GOOG (-0,61 %) & $GOOGL (-0,6 %) (Alphabet)
• $AMZN (-0,98 %) (Amazon)

This shows how strongly the US technology sector shapes the global markets. This weighting is not a disadvantage, but a true reflection of global market capitalization. I consciously accept this structure, but balance it out with my other core components: $BTC (-0,81 %) (Bitcoin) as an uncorrelated asset and $SEGA (-0,82 %) (iShares Core Euro Government Bond ETF) as an anchor of stability.

Five-year performance (as at October 2025)

• $XDWD (-1,16 %) (MSCI World): + 90 %
• $ISAC (-1,15 %) (MSCI ACWI): + 84 %
• $VWCE (-1,4 %) (FTSE All-World): + 83 %

The differences are manageable. The MSCI World benefited more from the dominance of the USA, while $ISAC (-1,15 %) and $VWCE (-1,4 %) are more broadly based. This global diversification can lead to more stable returns in the long term because it is less dependent on individual markets.

What newcomers can take away from this

In my opinion, an ETF is often sufficient. A global fund like the $ISAC (-1,15 %) covers almost all markets - ideal for getting started.

Keep an eye on costs. A TER of 0.20 % is very favorable for this breadth.

Global means USA-dominated. Around two thirds of the fund comes from the United States - and that is currently the market reality.

Simplicity is an advantage. Those who manage fewer products remain more consistent in the long term.

Time beats actionism. The compound interest effect unfolds its power over years - not months.

The $ISAC (-1,15 %) (iShares MSCI ACWI UCITS ETF) is the centerpiece of my portfolio. It stands for breadth, simplicity and global participation - and realistically reflects the global economy.

Together with the $BTC (-0,81 %) (Bitcoin) - which not only brings potential returns but also diversification to the portfolio - and the $SEGA (-0,82 %) (iShares Core Euro Government Bond ETF) as a defensive counterpart, a robust core setup is created that covers all dimensions: Growth, stability and risk diversification.

The rest - thematic or individual investments, rotation strategies or leveraged ideas - completes the foundation.

Questions at the end:

• How do you structure your core?
• Do you use an all-in-one ETF like the $ISAC (-1,15 %) or do you prefer to combine your own with $XDWD (-1,16 %) and emerging markets?
• And what role does $BTC (-0,81 %) diversification, return or both play for you?

Hello everyone,

after some time on this platform, I would now like to document and share my financial journey here with you, like many others, to motivate and support each other 🚀

That's why I'm putting myself and my experiences so far together for you.

About myself 🙋‍♂️

I am 22 years old and currently studying medicine in my 5th semester. But let's take things one step at a time.

From an early age, I was fascinated by the idea of turning what was initially little into more. Even at elementary school, I loved doing various swaps with Lego figures, Panini stickers or soccer cards.

My first experiences with real markets and tradable values came later in my youth with the computer game Counter Strike Global Offensive.

Roughly speaking, there were so-called "skins" that changed the appearance of the weapons you played with. The special thing about it was that these skins could also be swapped between players and thus bought and sold for real money. Back then, skins increased in value over time due to the increasing number of players worldwide and I was able to make several hundred euros in profit. And someone tell me again that "shooting games" are evil!

When I turned 18, my parents gave me a payout from an ETF portfolio that they had been saving €50 in since I was born. I was therefore in the very fortunate position of having assets of around €18k at a young age.

This was pretty much at the same time as I graduated from high school, after I started a dual study program in business informatics at Otto, where I was able to set aside around €800 net per month. After talking to my parents (mainly my father) and watching various Youtube videos from Finanzfluss, I decided to invest the money in ETFs $IWDA (-1,2 %) respectively $XDWD (-1,16 %) to invest. So I opened my first own securities account with Trade Republic.

After the first few months at the company, however, I realized that the work wasn't fulfilling me and, as I had previously wanted to study medicine, I wanted to go in a different direction. So I only stayed at Otto for a little longer than six months.

After preparing for the medical test, a nursing internship etc., I started studying exactly 2 years ago and, despite the really long days in the library, it's still a lot of fun! I had to learn quite quickly that it takes a lot of discipline to get through my studies well, but I think that this discipline will also help me to achieve the goals I set myself later in life.

At the moment, my parents are still supporting me by paying my rent and covering the costs of my daily needs. I also work alongside my studies on a part-time basis with a somewhat variable income, which allows me to invest around €400 a month.

I think that's enough about my life story so far 😅

Now to my current investment strategy 📈

My current goal is to achieve a better return than the S&P 500 and I would like to take this opportunity to thank you for that @Multibagger
@Tenbagger2024 and @Aktienfox for your valuable contributions and inspiration.

What do I do to achieve this excess return?

• 30% ETFs as a stable core, which is fed with monthly savings plans
• 70% in riskier individual stocks
• Not tracked on quin: approx. 4k euros in skins in Counter Strike

As I am still very young and, due to my career choice, expect to earn a relatively solid income (which is of course not guaranteed), I believe it is currently worth taking on more risk.

I would also be prepared to invest 100% in individual shares, but I don't yet know exactly which shares and what position size. I think if you want to beat the market, it doesn't make sense to hold 30% in global ETFs.

However, I am also aware that $HIMS (+3,53 %) 50% in the portfolio is already an extremely high weighting. In the long term, I would actually like to have a maximum of 30% of the portfolio in one position. But you are very welcome to share your opinion on this.

Due to my only job as a mini-jobber, I currently have the €1000 allowance on shares, as well as the €12,000 basic allowance. This means I can realize up to €13k in tax-free profits every year until the end of my studies. This is of course an additional incentive to achieve this €13k per year :)

That's it for now. Feel free to share your thoughts and I look forward to the time ahead!

Hi, I'm 23 years old and this is my portfolio at the moment. I make the following monthly savings plans:

$MEUD (-1,88 %) 125€

$XEMD (-2,65 %) 50€

$TSWE (-1,33 %) 100€

$XDWD (-1,16 %) 175€

I have now considered whether I should add 2-3 shares to the portfolio. But I'm not quite sure which ones and would like to know your opinion.

$XDWD (-1,16 %) Don't sell, just let it run. Forget this ETF and look at it again in 20 years.

Good morning community,

I would like to add one or two more ETFs to my current portfolio. I have two additions in mind and would like to hear your opinion on them or whether you have any other suggestions in these areas.

Personally, I'm not the biggest fan of div. ETFs and prefer to cover this with individual stocks.

It's somehow more fun.

I am currently looking at the $XRS2 (-2,14 %) as an addition to the main ETF $XDWD (-1,16 %)

and as a second boring addition, but in my opinion an important component in the commodities sector $XGDU (-1,72 %) (This would also be intended for eternity and only for funds that are to be parked safely).