I'm tracking the new Vanguard FTSE All-World All Cap UCITS ETF $VALU (-1,02 %) with great interest. Not because I don’t currently own a global ETF, but because it could significantly simplify my portfolio.

I’m currently invested in:

• $VWCE (-1,13 %) for global equity exposure
• $VHYG (+0,02 %) for additional dividend exposure
• $XMME (-1,4 %) for emerging markets

That works well, but to be honest, I’d prefer a simpler approach. The fewer holdings, the easier it is to rebalance, keep track of things, and stick to a long-term savings plan.

That’s exactly why I find the $VALU (-1,02 %) so exciting.

By combining large-cap, mid-cap, and small-cap stocks worldwide, it covers virtually the entire investable stock market in a single ETF (approx. 98–99%). For me, that would be a much more elegant solution than investing in multiple ETFs at the same time.

The only catch: With Yuh , the $VALU (-1,02 %) not (yet) available. 😅

That’s why I’m currently wondering whether I should just stick with my existing positions and wait for it to be listed. For me, switching would mean less complexity above all—and not necessarily chasing that last decimal point of return.

I’d be interested to know:

Would you keep multiple ETFs running or consolidate everything into a single all-cap ETF over the long term? And do you think Yuh will add VALU soon?

Yes, yes... I can already hear it: far too much crypto and heavily in the red. But the cryptos are still a remnant of my time before the current Yuh portfolio.

But knock yourself out and roast my portfolio - bearing in mind that ETH and SOL will be sold at some point and either rolled over into ETFs, individual stocks or BTC.

I'm also open to criticism and feedback, suggestions for adjustments and advice.

Regarding my strategy: I buy CHF 100 per month in $VHYG (+0,02 %)
$VWCE (-1,13 %)
$CHDVD
$XMME (-1,4 %) as well as $ZGLD and $BTC (-0,89 %) . I also buy up to CHF 400 in individual stocks on my watchlist, which I want to buy and hold for the next 15 years, if not 30 years, until I retire (or longer).

For the most part, I buy individual companies that I support personally and in the long term, consume myself or simply find suitable (e.g. because they pay regular, good and annually increasing dividends).

Hello everyone

I (m, 30 years old) recently did another evaluation of my portfolio with the getquin-AI, as I was not exactly satisfied with a value of around 40/100.

About my investments: I buy CHF 100 per month in $VHYG (+0,02 %) , $VWCE (-1,13 %) , $ZGLD , $CHDVD and approx. 500 in selected individual shares. My investment horizon is 15 years +, if not 30 years until I retire. My aim is to build up assets and generate a certain cash flow.

Now the question arises for me - because the getquin-AI says I should not leave out emerging markets - whether I should invest in the Xtrackers MSCI Emerging Markets UCITS ETF $XMME (-1,4 %) as a supplement. Through $VWCE (-1,13 %) and $VHYG (+0,02 %) I have already invested a certain amount in EM. Should I use the $XMME (-1,4 %) buy a larger share or would that be unnecessary?

(I have already invested CHF 100 once this month and the points value went up from 40 to 60/100).

I appreciate your feedback.

Hello everyone,

after almost 1 1/2 years as a silent partner on gq, I have decided to have my portfolio taken apart 😋

A few words about me and then about my portfolio.

I am 31 years old, live with my girlfriend and our 4-month-old son in the heart of Bavaria in our small home.

My girlfriend and I both work as employees in an automobile company. (She is currently on parental leave, of course)

About my portfolio.

I started my investment career with physical precious metals and shortly afterwards with cryptos.

When it came to cryptos, I got carried away by friends, I didn't know my way around them back then (I probably wouldn't take such a risk today). Fortunately, this turned out to be a good thing in hindsight.

A good three years ago, I added the first of what are now three portfolios with different strategies.

Depot (presumably for retirement)

$IWDA (-0,96 %) / $MEUD (-0,12 %) / $CSPX (-1,25 %) / $EXS1 (-0,05 %) / $EIMI (-1,96 %) / $WSML (-0,78 %)

2.dividend deposit (for cash flow as a reward on the joint account)

$HMWO (-0,94 %) / $ISPA (+0,03 %) / $TDIV (+0,13 %) / $VFEM (-1,34 %)

3.JuniorDepot

$VHYG (+0,02 %) / $VWRL (-1,04 %) as an accumulator.

Both ETFs are being saved in because the grandparents are financing one of them and I would like to keep them separate and not open an extra custody account.

All custody accounts are saved monthly.

So much for me and my portolio.

I would be very happy to receive any criticism, suggestions for improvement or similar and wish everyone happy holidays ✌🏻

Hello everyone and thanks again if you have any constructive feedback:

I have recently been thinking about my strategy (monthly +/- CHF 500.- in individual shares) in order to expand it with CHF 100.- each in $CHDVD
$VWCE (-1,13 %)
$VHYG (+0,02 %) and $ZGLD . At the end of the year, I would then rebalance each time in order to buy more shares in the ETFs with my savings and/or 13th month's salary. I am aware that I have major overlaps with the ETFs and that I am pursuing specific goals. But that is not the core of my question...

What do you think about investing 50% in individual shares, 40% in ETFs and gold, saving 10% and rebalancing at the end of the year?

Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.

First of all, my situation:

I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.

I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.

I follow the following strategy: Buy & Hold

What do I invest in each month?

• $IWDA (-0,96 %) 234€ per month
• $EIMI (-1,96 %) 90€ monthly
• $SMEA (-0,25 %) 70€ monthly
• $EWG2 (-0,03 %) 65€ monthly
• $BTC (-0,89 %) : 42€

I also save through VL benefits:

• $VHYG (+0,02 %) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (+0,13 %) .

This brings me to a total of €536. A crooked figure, that's true, but it works best for me.

The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.

My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.

I'd be interested to hear your opinion on this in the comments!

My strategy for the next 15+ years: buy & hold with dividend power!

I am currently building up a long-term dividend portfolio step by step with the aim of building up a solid additional income for my future over the next 15 years (and beyond). I am pursuing a "buy and hold" strategy and investing around CHF 500 per month in a broad spread of individual shares, which I personally support and also consume myself, and ETFs.

My focus is on dividend stocks with a stable cash flow, but I am not afraid of risk and also consciously include growth stocks in my portfolio.

I will also continue to expand my crypto portfolio, focusing on BTC, ETH and SOL.

My goal: a growing, global cash flow with simultaneous wealth accumulation.

Subject to change without notice. 😄

Addendum: It is now 950.-, of which 100.- each in $VHYG (+0,02 %)
$VWCE (-1,13 %)
$CHDVD and $ZGLD and +/- 400.- will be invested in individual shares on my watchlist.

In addition, 100.- remains in $BTC (-0,89 %) 750 in viac invest and ~ 605 in my pillar 3a pension plan.

No sale, current change of custody account