small milestone. Perhaps just a brief snapshot but a good feeling nonetheless 🍺

What would you change about my portfolio?

My next step is $TSLA (+0,33 %) to minimize the portfolio at a good opportunity and $EIMI (+0,57 %) and increase the

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 (+1,37 %) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+0,57 %) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (+2,63 %) 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 (+0,06 %) 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 (-1,08 %) 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 (-1,39 %) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (-0,41 %) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (+0,71 %) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (+0,35 %) 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 (-0,8 %) 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 (+0,67 %) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (+0,98 %) 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 (-0,89 %) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (-1,17 %) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (+1,28 %) I am convinced of the company, I think that Nu will have a successful future.
• $O (-0,02 %) 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 (+0,68 %)
$SOL (+1,78 %)

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

Thank you very much

Hello everyone,

I am 21 years old and currently studying, my monthly savings rate is currently 1500€. My investment horizon is 20+ years, I'm long-term oriented, interested in financial markets and listen to podcasts like "Alles auf Aktien" and similar, but I don't want to do daily analysis, so I'm currently focused on ETFs.

Current assets:

Portfolio

Small experiment with crypto, which I would like to focus on again

Nest egg with approx. 3 monthly salaries

My goal:

I would like to set up my portfolio in a globally diversified and future-proof way in the long term, and I wonder whether the S&P 500 is still useful in my case, since the FTSE All-World already has ~60% US exposure

Planned reallocation:

I am thinking about stopping the S&P 500 savings plan and possibly also selling existing shares in order to reallocate the capital as follows:

$VWCE (+1,37 %) 60%

$EIMI (+0,57 %) 20%

$WSML (+0,94 %) 10%

$EWG2 (-0,12 %) 5%

Crypto 5% (possibly $BTC (+0,68 %) savings plan)

My questions:

Do you think the shift from the S&P 500 to EM/Small Caps/Gold makes sense or do you see unnecessary complexity in it?

Should I sell existing S&P 500 positions or leave them and invest differently in the future?

In your opinion, are there more sensible alternatives for small caps or emerging markets?

Is my high equity allocation appropriate? Would you take a more conservative approach or take more risk?

I welcome any constructive opinions - and criticism or other suggestions!

Thank you!

Hello everyone,

I currently need a tip or two to finalize my portfolio to my liking.

The framework is now in place and consists mainly of the $XDWD. In the next few months, with the payment of the next bonus, the $EIMI (+0,57 %) will move up. I am therefore trying to cover everything and generate steady growth until retirement.

I have also added a few dividend stocks to my portfolio, which should increase my annual passive income in the future. Everything in combination but with a slightly higher weighting on growth through the ETF. Everything is saved between EUR 800-1000 per month.

My question now: I still need a dividend stock in the healthcare sector and in the financial sector.

I am currently watching $JNJ (+0,55 %) for the healthcare sector and $V (+3,23 %)
$CBA (+1,05 %)
$JPM (+2,08 %)

Do you have any other ideas for a single stock addition for these sectors?

I am very grateful for ideas....

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (+0,55 %) Deka DividenenStrategie - €100 per month.
• $CSPX (+1,52 %) Ishares S&P 500 - 50 €/month
• $VWCE (+1,37 %) Vanduard FTSE All World - 50 €/month
• $BRK.B (+0,89 %) Berkshire Hathaway B - €50/month
• $SMEA (+0,12 %) Ishares MSCI Europe 50 €/month
• $VHYL (+1,17 %) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (-0,47 %) , $AMZN (+3,08 %) , $AAPL (-0,32 %) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (+0,57 %) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (+0,68 %) buy.

Should be removed from the portfolio:

• $TGT (-0,15 %) Target
• $NKE (-0,8 %) Nike
• $D6RF (+2,22 %) Deka Umweltinvest
• $DEDG (-0,13 %) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

I am currently reducing my P2P shares bit by bit. With the purchase of $EIMI (+0,57 %) my share is still only around 3.5%.

How high is your weighting of EM?

In addition, I am currently considering my small positions $JNJ (+0,55 %) and $ULVR (+1,01 %) also simply reallocating. Either in the $IWDA (+1,03 %) or also $EIMI (+0,57 %) . I just increasingly think that such small positions won't make it. Then I'm more reassured with ETFs.

What do you think?

Greetings from the sofa 🫡

Hello everyone,

I'm back as a silent reader with my portfolio.

Briefly about me: I am 26 years old, employed as an IT specialist in the public sector, live in rented accommodation and my investment horizon is at least another 20 years.

My strategy: I am building a core-satellite portfolio. The ETFs form the core: $IWRD (+1,35 %), $EIMI (+0,57 %), $EXSA (+0,13 %) and as a soon-to-be new addition $WSML (+0,94 %) . These are listed alongside $BTC (+0,68 %) (lie with $EWG2 (-0,12 %) with Bison) in the savings plan. Then there are individual stocks whose business model, sector and geographical location appeal to me.

With this strategy, I am trying to find a healthy balance between the rational assessment of not being able to beat the market and having fun on the stock market.

The allocation is still somewhat skewed, but the goal is:

• 60% core (ETFs)
• 30% individual stocks
• 10% BTC/gold

As future satellite positions I still have $D05 (-0,32 %) (to also have a single stock in the banking sector) and $TBS (+0,34 %) (because I see opportunities in the South African food market). I will open these positions as soon as I have straightened out the current allocation.

My questions: What do you think of my approach or my desired allocation? Do you have any suggestions for other good individual stocks, especially from the BRICS regions?

Otherwise, happy investing.

Hello.

Hi dear GQ community,

After some back and forth. And learning and getting advice, I have finally finished my portfolio.

I have now divided it up as follows:

• 65% -> B&H per savings plan
• 35% -> 2xSpytips-Cool-Strategy

At this point, first of all a huge thanks to @Epi and to @SemiGrowth for your patience and advice regarding the 2xSpytips strategy and the improved version of the 2xSpytips Cool strategy.

As follows, I have now restructured my portfolio today:

B&H strategy:

$IWDA (+1,03 %) -> 25% -> Broad diversification

$O (-0,02 %) -> 20% -> Dividends

$EIMI (+0,57 %) -> 10% -> emerging markets

$BTC (+0,68 %) -> 10%

2xSpytips-Cool-Strategy:

$CL2 (+3,34 %) -> 35%

I think I will do better in the long run with this portfolio than with the previous one. I can also sleep well with this one.

I follow both strategies so that if the 2xSpytips-Cool strategy is no longer profitable or doesn't perform well for whatever reason, I don't lose 100% of my investment.

And now it's your turn, I'm curious what you have to say and please stay objective 😊😅.