Hi together

My wife and I are currently saving $VWCE (+0,31 %) with 214 euros per month and an annual increase of 5% with ING. Current portfolio value 2600 euros.

However, I am also interested in the $TDIV (+0,24 %)

My plan would be to save 100 euros a month in the ETF via Scalable free of charge and then transfer the shares to ING once a year.

Is my idea a good one?

Is 100 euros a month too much?

I find the $TDIV (+0,24 %) very interesting in terms of lowering the US share from the all World. The performance is also strong in my opinion and opinions on the ETF are generally positive. The dividend yield is also decent without neglecting the price growth.

In my view, a good ETF that fits well as an addition to the All World. If it weren't for the issue of weighting and the level of the savings rate. I hope someone can share Eitel's useful opinion ☺️👍

Hello dear people!

I am looking for new and interesting stocks for my long-term portfolio and would like to build up a few new positions.

They should be growth stocks with high quality, away from the big tech stocks.

In addition, they should be rather cheap/fairly valued.

Dividends are not a priority for my investment strategy, so classic defensive dividend stocks would not be an option for me.

Either purchase in tranches or as a monthly savings plan.

Thought I'd ask the great GQ community for advice, maybe you can give me a few new ideas or some inspiration and tell me your favorites 💡

I'm looking forward to your answers/comments 🤗

$IWDA (+0,28 %)
$VWRL (+0,34 %)
$VWCE (+0,31 %)
$CSPX (+0,18 %)
$NVDA (+0,31 %)
$MSFT (+0,18 %)
$GOOGL (+0,55 %)
$AMZN (+1,4 %)
$NOVO B (-1,65 %)
$NU (-0,56 %)
$ASML (-2,91 %)
$NOVO B (-1,65 %)
$1211 (-3,71 %)
$MA (-1,26 %)
$BRK.B (-0,74 %)
$UNH (-0,19 %)

I started investing at the beginning of the month and have spent the last three weeks building up a portfolio with the aim of accumulating wealth over the long term. I am now relatively familiar with the topic, have analyzed many strategies and have decided on an approach based on two pillars:

1. growth portfolio:

I invest in broadly diversified ETFs such as the $VWCE (+0,31 %)combined with thematic focuses such as $XAIX (+0,25 %) and the healthcare sector. I also invest in individual stocks such as $NVDA (+0,31 %), $BRK.B (-0,74 %) or $TTWO (-1,45 %) - the latter deliberately as a small position for the speculative component (GTA VI hype is realistically not entirely irrelevant).

2. distributing dividend portfolio:

Here I am betting on classic dividend stocks. These include the $VHYL (+0,42 %), $SPYW, (+0,94 %)
$SEDY (+0,8 %) as well as individual stocks such as $KO (-0,95 %) or $ALV (+0,18 %). The aim is to generate a steady cash flow that can be reinvested in the long term.

I am aware that there is no perfect distribution. That's why I'm interested in your opinion:

• Which stocks would you weight higher or reduce?
• Is there anything that doesn't fit in at all from your point of view?
• How do you balance growth and dividends?

I am open to criticism, experience and other perspectives.

Hello everyone,

I only save the $VWCE (+0,31 %) and am considering adding a few individual stocks.

But I had a look at the statistics and of the 500 companies in the S&P 500 50 years ago, only 11.4% are now represented in the S&P.

This makes me wonder whether it is worthwhile for me as a 17 year old to add individual shares as the probabilities definitely speak against it.

My investment horizon is 50+ years but I would of course sell shares earlier if I had to, but I am more of a fan of long-term investments.

What is your opinion on this?

Hi folks,

My basic savings plan investment is the $VWCE (+0,31 %) And I'm asking myself whether I should also continue to save the $AAPL (-1,34 %) shares (at a very moderate €20 per month). My position isn't particularly high yet and despite the high percentage loss, it's not that much money that I could recoup via the saver's allowance (losses are taken into account).

What do you think? Should I continue to save slightly and hope for a turnaround or sell?

Best regards

Hello everyone,

I would like to add a dividend ETF to my portfolio. At the moment I only have the $VWCE (+0,31 %) with 3,597 positions (accumulating).

The first dividend ETF that came to my mind is the one $VHYL (+0,42 %) from Vanguard (2,182 positions). 📈

Problem: The ETFs and many shares overlap.

Would you personally invest in the $VHYL (+0,42 %) or do you have another suggestion.

Thank you! ✌🏽

Disclaimer: This is not an investment recommendation, nor is this article intended to motivate you to consider Pokemon cards as an investment. Although graphs and historical growth of certain products are highlighted, future profit growth is by no means guaranteed. I am merely sharing personal research based on data sources, my own experience and insights from my personal Pokemon card collection.

Yes, I think we've all seen them before - whether at the newsstand, through relatives and acquaintances, on TV, through our own children or back then in the schoolyard: of course we're talking about Pokemon cards (formerly known as "Pocket Monsters"). These were first published in Japan in October 1996 as a classic trading card game. I would like to point out at this point that I will not go into the rules of the game or the process in this article, as this would go beyond the scope and would not fit the topic.

Parallel to the release of the cards, Nintendo games were also launched on the market, which gave Pokemon a huge boost in terms of awareness and popularity. The cards were officially released in the USA in December 1998. There was no end to the hype - the release in Europe finally followed in 1999.

The first major Pokemon set was the "First Edition Base Set", produced by "Wizards of the Coast". I will only go into this set to a limited extent, as 1st edition products always achieve a special value due to the collector's passion. However, many cards were played with at the time and not regarded as investment items. For comparison: A complete box (display) cost around 110 USD back then. Today, in 2025, such a display is traded at between USD 350,000 and USD 500,000.

However, since hardly anyone owns a time machine and only very few have kept such a display, the comparison with an ETF such as the MSCI World would not really be fair or realistic. So on with the story:

Pokemon hit like a rocket. In the first year alone, sales in the USA - and mind you, only with trading cards - amounted to over USD 300 million. The franchise even overtook the established "Magic: The Gathering" and became the leading trading card game. This was followed by numerous new sets such as Jungle, Fossil, Base Set 2, Team Rocket and many more.

I was there myself as a child - and like many in the school playground, I was completely fascinated: Cards were idolized, stuffed into jeans, traded and discussed. I wanted to become a Pokemon trainer - it didn't quite work out. Or did it?

Pokemon developed into an absolute giant over the years. Not only on the trading card market, but also through video games, merchandise, licenses, etc. Today, the Pokemon Company is the most successful media franchise in the world with estimated lifetime revenues of around USD 150 billion - just crazy.

Back to the topic: Pokemon as an investment?

About five years ago, at the beginning of the Covid crisis, the hype surrounding Pokemon cards had died down considerably. The children had grown up and many collectors had other priorities. Cards had become more of a nerd hobby - not for the mainstream. Many believed that the hype was finally over.

But then Logan Paul (quite a clown in my opinion) came along and opened a First Edition Base Set display live in front of an audience of millions. The packs sold for 30,000 to 40,000 USD - a single pack of 11 cards! This was the turning point: Pokemon was back, and with a vengeance.

Every influencer jumped on the bandwagon, booster packs were opened worldwide, videos were produced, prices were compared - the market was on fire. The pandemic gave many people time, money and nostalgia - and they saw old cards turn into small fortunes. That aroused desire. I myself was also back in the game.

The secondary market was extremely fueled. Cards that were available for a few dollars before the pandemic were suddenly going for three or four-figure sums over the counter. And there was no end in sight.

My ETB theory - Why an elite trainer box outperforms the MSCI World

ETB stands for "Elite Trainer Box". These are released with every new set and contain 8-10 booster packs, dice, sleeves, instructions, energy cards and sometimes a special card. Originally intended for gaming, they have become a coveted collector's item.

My theory: If you buy an ETB on release and leave it unopened, it will beat any World ETF in the long term - statistically speaking.

Example: The first ETB came out in 2013 in the "Plasma Storm" set - price: 34.99 USD. Today it is worth around USD 5,000. This corresponds to an annual gain of over 51% - and rising.

Of course, this is an extreme case. But newer sets are also performing strongly. The "151" set, for example, which I bought around 1.5 years ago for USD 60, is now at USD 170 - an increase in value of 183 % or around 86 % per year.

Or the brand new set "Destined Rivals", released on May 29, 2025 for USD 50 - now, a few weeks later, already at USD 90-95. That's around 80% growth in a very short space of time.

I have compiled a list of all ETBs - around 38 boxes so far - with issue price and current market value. On average, the profit per box is around USD 526 or around 38.65 % return per year.

Of course there are outliers. Not every box brings fat profits, some "only" 10%. But the trend is clear - those who regularly buy on release generally make a profit.

And yes - it is also a game of chance somewhere

You have to be honest: opening packs is pure luck. The chance of drawing a 1,000-dollar card from a set like "Prismatic Evolution" is perhaps 1:1000. Sure, it's like the lottery. But it's not just about individual cards, but about the products as a whole.

And yet: the hype continues. The Pokemon Company brings out nostalgic sets, new artwork, rare cards - they keep the market hot. Unfortunately, children often fall by the wayside because many adults, investors or scalpers buy everything and then sell it on at an overpriced price.

A few critical thoughts

Of course there are risks:

• No intrinsic value
• Low liquidity
• Fees on eBay & Co
• Storage costs, effort, time
• If you want to sell, you need a buyer

And in an emergency - inflation, war, recession - Pokemon cards are no longer a priority.

Nevertheless: I love my collection. I look at them, exchange them, sell them from time to time - and sometimes I treat myself to a pack. Not because it pays off. But because it's fun.

Conclusion

Pokemon cards - especially ETBs - have generated returns in recent years that can hardly compete with traditional investments. But they are no substitute for retirement provision or financial strategy.

The real winner? The Pokemon Company. It produces cheaply, sells expensively, targets shortages, uses FOMO, decides on reprints - and earns billions with brutal margins. That's brilliant marketing - not my few displays in the cupboard.

I've made a YTD profit of around 70% this year. Of course, that's no guarantee - but it's a hell of a lot of fun.

What do you think of Pokemon cards? Are you a collector or an "investor"? Do your children perhaps even open the packs? Or do you think: What's the point of it all?

Please note: This is first and foremost about fun. I do not recommend viewing Pokemon cards as a serious investment or comparing them to traditional financial products that are supposed to generate solid returns over decades.

PS: Thought until now that I could insert an Excel spreadsheet... unfortunately no....

$IWDA (+0,28 %)
$VWRL (+0,34 %)
$VWCE (+0,31 %)
$HMWO (+0,28 %)
#etfs
#etf
#pokemon
#rendite