Hi everyone,

I would really appreciate your opinion on my portfolio.

Briefly about me:

I am 38 years old and unfortunately only started my Trade Republic portfolio about 2 years ago. I have been investing regularly since then. I can currently invest around €350 per month - I work in a gym 🥲, and unfortunately you don't earn very well there, you could almost call it a pittance.

In addition, I have my Bitcoin and Altcoin portfolio on Bitvavo... I can't share it here, too many errors in the coins and you can still change it somehow. I then deleted the connection again.

I played soccer until I was 32 (including 3rd league, mostly 4th league for many years) and was able to save up some capital during this time, which I later invested.

My long-term core consists of:

$IWDA (-0,04 %)

$EIMI (-0,37 %)

$TDIV (+0,29 %)

$BTC (-1,28 %)

Dividend / cash flow portfolio

I also have a portfolio with a focus on cash flow, the aim is to hold around 15 stocks with a solid dividend yield and ideally dividend growth.

Currently included are:

$O (-0,08 %) Realty Income

$RACE (-0,77 %) Ferrari

$PEP (-0,17 %) Pepsi

$MAIN (+0,01 %) Main Street Capital

$NOVO B (+8,36 %) Novo Nordisk

$ASML (+0,01 %) ASML

$ITX (+0,12 %) Inditex

$1211 (-1,24 %) BYD

$ZTS (-0,35 %) Zoetis

$BRO (-0,61 %) Brown & Brown

$SBUX (-0,18 %) Starbucks

$ITH (+1,36 %) Ithaca Energy PLC

This brings my current total to 12 shares, so there is still room for one or two additions.

One of the stocks on my watchlist is Vonovia $VNA (+0,58 %) with a dividend yield of just under 5%. However, the dividend growth doesn't look particularly good. As my wife will be starting work there soon, I've become more aware of the company for the first time ☺️

Other stocks on my watchlist:

Allianz

Vici

Linde

Microsoft

Waste Management

UnitedHealth Group

Mastercard

Visa

Texas Roadhouse

Nintendo

Enbridge

NextEra Energy

Wolters Kluwer (exciting sector, also corrected over 50% from ATH)

Amazon (for the yield/growth portfolio)

Maybe one or the other is missing $KO (-0,53 %) or $MCD (-0,86 %) but I had opted for $PEP (-0,17 %) and $SBUX (-0,18 %) and I don't want any more consumer stocks.

Pure growth portfolio

I also have a separate portfolio with a focus on share price growth:

$NVDA (-0,46 %) Nvidia

$NKE (-0,14 %) Nike

$MARA (-0,77 %) Mara Holdings

$BITF (-1,24 %) Bitfarms

$TTD (-0,11 %) The Trade Desk

$CRCL (-1,76 %) Circle Internet Group

$ADBE (-0,21 %) Adobe

$COIN (-1,22 %) Coinbase

$SMHN (-0,36 %) Suess Microtec

$PYPL (-0,06 %) PayPal

$HUT (-1,4 %) Hat 8

$DRO (+10,04 %) DroneShield

$LXS (+1,32 %) Lanxess

$PLTR (-0,54 %) Palantir

$WEED (+0,8 %) Canopy

$UBI (-0,51 %) Ubisoft

$MSTR (-0,74 %) Strategy

I am aware that I have built up a lot of positions over the last two years. I am therefore also planning to sort out some of them and concentrate more on selected stocks.

I am grateful for any assessment, criticism, tips or suggestions.

Best regards

Chris

A joint analysis by V-Bank and the Institut für Vermögensaufbau provides fascinating insights. More than 53,000 custody accounts managed by 170 independent asset managers were examined. V-Bank is a custodian bank that holds the securities and carries out transactions on behalf of the asset managers.

The first thing that stands out is that index funds (ETFs) now dominate when it comes to equity vehicles. While actively managed equity funds account for a good eight percent of portfolios, more than eleven percent are invested in equity ETFs. The situation is different for mixed funds or bond vehicles. Here, the professionals still rely on the skills of fund managers, i.e. actively managed products.

When selecting their products, the professionals rely on the large, liquid battleships of the ETF world with low costs from well-known providers. The logic behind this is simple and consistent: maximum diversification at minimum cost. The ongoing charges of the favorites are usually between 0.07 and 0.20 percent. Special sustainability criteria hardly play a role in the choice of ETF.

One thing is striking in the construction of the underlying investments. In their global index funds, the professionals do not rely on combined products that combine industrialized countries and emerging markets in one ETF, such as the MSCI All Country World or the FTSE All World, but prefer to invest separately in the MSCI World and the MSCI Emerging Markets and can thus mix the two components individually. The advantage: the emerging markets are weighted very low in the combined products, and this problem can be better addressed by the professionals' strategy.

Gold is a must for the professionals. It is not high-tech shares or exotic theme funds that dominate the professional portfolios, but the oldest safe haven in financial history. Xetra-Gold is by far the most frequently represented product: the ETC is held in 14,180 professional portfolios. Alternatives such as Euwax Gold II can also be found thousands of times over. And the courage to be safe has been rewarded. While traditional stock markets only made moderate gains in 2025 - the iShares Core MSCI World is up around 6.3% - gold shone with an impressive performance of 47.5%. The message is clear: in uncertain times, gold is not jewelry, but a foundation.

To stabilize the overall portfolio, asset managers are also turning to bonds. Around 28% of assets are invested in bonds, preferably in corporate bonds with good credit ratings. In the ETF segment, the iShares Global Corporate Bond EUR is in the top 20, combining a defensive approach with current yields. In the current year, the ETF has made 4.4 percent, while many bond products are in the red. In the money market, the Xtrackers II EUR Overnight Rate ETF is the most popular ETF product. The principle of balance applies to currency risk: although the euro dominates at 53%, the US dollar is a key component of the hedge at 34%.

In the end, the professionals' figures do not tell a story of hectic changes of direction, but one of structure, cost awareness and clear priorities. Gold serves as both a protective shield and a yield driver. Equities are broadly and favorably represented via global, US, emerging market and Japanese indices. Fees are consistently kept low. And ETFs and ETCs are playing an increasingly important role: almost 20 percent of customer funds are now invested in these instruments - and the trend has been rising since 2023.

This is a reassuring realization for the overburdened private investor. There's no need to reinvent the wheel. A look at the books of the professionals shows that it is often the simple, cost-effective and broadly diversified solutions - supplemented by a good portion of gold - that point the most reliable course in a storm.

$4GLD (+0,69 %) | $EWG2 (+1,03 %) | $CSEMU (-0,13 %) | $EIMI (-0,37 %) | $MEUD (+0,21 %) | $EXSA (+0,22 %) | $XMME (-0,31 %)

Source text (excerpt) & graphic: World, 20.12.25

$VWRL (-0,04 %) 700€

$EIMI (-0,37 %) 120€

$MEUD (+0,21 %) 100 €

What does your basic/coreinvestment look like?

Hi guys, I would like to hear or read your opinion. 😃

I currently invest monthly in the MSCI World $IWDA (-0,04 %) , the MSCI EM IMI $EIMI (-0,37 %) and the VanEck Morningstar $TDIV (+0,29 %) .

My consideration is the following , in the long term I assume that the $IWDA (-0,04 %) and the $TDIV (+0,29 %) "could" perform significantly better than the $EIMI (-0,37 %) and therefore I would sell the EMI.

I have been saving the ETFs for almost 2 years now. Currently with $EIMI (-0,37 %) with 18% in profit.

Regards

Dear GQ Community

I've been quietly reading your posts for about 1.5 years. At the end of the year and in keeping with the Christmas season, I would now like to share my portfolio and my experiences to date with you. I am also happy to receive your suggestions and tips.

About me:

I am 20 years old, work in Switzerland and started investing in crypto in March 2024. That's where I gained my first experience. In the middle of this year, I also started to look more closely at the traditional financial market and bought my first two ETFs. ($IWDA (-0,04 %) ,$EIMI (-0,37 %))

My goals:

My goal for this year was to reach the CHF 15,000 deposit limit. Unfortunately, that didn't quite work out, but it's no drama for me. I'm looking forward to next year, in which I'm sure I'll learn a lot. For 2025, I would like to set a target of CHF 25,000-30,000 and continue to build up a stable portfolio that will enable me to live a better life in the long term.

I look forward to your opinions and tips on my portfolio - what would you do differently?

Good morning everyone,

In the past, the community has clearly demonstrated that together we are an absolute added value for 🤑🤑🤑.

That's why I'm asking for your help :-) I am looking for mid-/long-term growth stocks to complement my core around $IWDA (-0,04 %)
$CSPX (-0,23 %)
$MEUD (+0,21 %)
$EIMI (-0,37 %)
$QDV5 (-0,12 %) to complement it.

Currently set are $NVDA (-0,46 %)
$GOOGL (+0,06 %)
$IBM (-0,55 %)
$SOFI (-0,81 %)
$IREN (-2,56 %)
$LMND (+0,16 %)
$RKLB (-4,63 %)
$BTC (-1,28 %) - DCA

What ideas do you have?

LG

$CSPX (-0,23 %)
$IWDA (-0,04 %)
$EIMI (-0,37 %)
$CSNDX (-0,27 %)
$VUSA (-0,25 %)
$VHYL (+0,08 %)
$SPYI (-0,04 %)
$HMWO (-0,06 %)

https://www.whitehouse.gov/fact-sheets/2025/11/fact-sheet-president-donald-j-trump-strikes-deal-on-economic-and-trade-relations-with-china/

President Trump announced an economic and trade agreement between the USA and China:

- China suspends all retaliatory tariffs and non-tariff measures imposed since March 4

- China issues new general licenses for the export of rare earths and suspends new export controls.

- China pledges to stop the flow of fentanyl to the US

- China will buy at least 12 million tons of US soybeans

- The USA reduces tariffs on Chinese goods by 10 percentage points

The biggest de-escalation in relations between the US and China since the start of the trade war.

China 🇨🇳 will suspend all retaliatory tariffs and non-tariff measures in place since March 4, lift export controls on rare earths, issue global licenses for rare earths and critical minerals such as gallium and graphite, and commit to buying 12 million tons of US soybeans this year and 25 million tons annually through 2028. China will also take "significant measures" to stop fentanyl shipments to the US.

In return, the U.S. 🇺🇸 will reduce tariffs on Chinese imports imposed to curb fentanyl trade by 10 percentage points of the cumulative tariff rate, effective November 10, 2025, extend Section 301 tariff exemptions through November 2026, and suspend new export control measures for one year.

$IWDA (-0,04 %)
$CSPX (-0,23 %)
$EIMI (-0,37 %)
$CSNDX (-0,27 %)
$ISAC (-0,01 %)
$VUSA (-0,25 %)
$HMWO (-0,06 %)
$XDWD (-0,05 %)
$SPPW (-0,06 %)
$WSML (+0,07 %)

President Trump shakes hands with Chinese President Xi Jinping.

"He is a VERY tough negotiator. That's not good!" 🤣

"Nice to see you again!"

"We're going to have a very successful meeting!"

"We have ALWAYS had a great relationship."

Chinese President Xi Jinping says he is happy to finally meet President Trump.

"It's very nice to see you again! It's been many years. Since your re-election, we have spoken on the phone three times, exchanged several letters and stayed in close contact."

"Given our different national circumstances, we don't always see eye to eye. It's normal for there to be friction between the world's two leading economies."

"In the face of winds, waves and challenges, you and I, who are at the helm of Sino-US relations, should stay the right course and ensure the steady progress of these relations."

Chinese President Xi Jinping declares President Trump the PEACE PRESIDENT of the whole world!

"Mr. President, you care deeply about world peace! You are deeply committed to resolving regional conflicts. I greatly appreciate your significant contribution to the ceasefire in Gaza."

"During your visit to Malaysia, you witnessed the signing of the joint peace declaration along the Cambodian-Thai border, to which you also contributed."

Hello everyone,

It's time for some criticism again.

Briefly about myself, I am 24 years old

and my strategy is a mix of growth and dividends with quality. I have the MSCI World as my basis.

I have bought very few shares recently, I hold a fairly high cash ratio. Only my ETF savings plans on $IWDA (-0,04 %)
$EIMI (-0,37 %)
$WSML (+0,07 %) are executed monthly.

I also have one or two speculative stocks in my portfolio, such as $ORSTED (-2,6 %)
$FXPO (-2,01 %)
$PYPL (-0,06 %) . I will sell these when the prices are attractive.

The absolute losers at the moment are $DGE (-1,34 %) & $PAH3 (-0,24 %) . With $DGE (-1,34 %) I am, however, considering buying more.

With $NKE (-0,14 %)
$TGT (-0,35 %)
$UPS (+0,01 %)
$NOVO B (+8,36 %) I am quite relaxed about the poor performance. I think patience will pay off here.

Feel free to give me feedback, I'm happy to receive any kind of constructive criticism! 😊

This will be my future portfolio allocation and is almost already like this, only small changes need to be made.

ETFs (75%)

$VWCE (-0,05 %) (85%)

$TDIV (+0,29 %) (10%)

$EIMI (-0,37 %) (5%)

Crypto (20%)

$BTC (-1,28 %)

Commodities (5%)

$EWG2 (+1,03 %)

$SSLN (+0,21 %)

________________________________________

I will also pick out a few individual stocks. But I'll only track them separately and see how they perform in a few years. I will probably opt for the following, which are already very popular in the community. $IREN (-2,56 %) , $RKLB (-4,63 %) , $TTI (+1,57 %) , $WM (+0,41 %) , $INT , $SOFI (-0,81 %) , $NU (+0,14 %) and $DRO (+10,04 %) . I will invest a total of around €5K in these shares.

What do you think of the portfolio?