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 (+0,58 %) -> 25% -> Broad diversification

$O (+0,16 %) -> 20% -> Dividends

$EIMI (+0,19 %) -> 10% -> emerging markets

$BTC (+2,35 %) -> 10%

2xSpytips-Cool-Strategy:

$CL2 (+1,35 %) -> 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 😊😅.

Hello everyone and have a nice Sunday. I would like to hear your opinion, hard-hitting and honest, on my current portfolio.

I would like to emphasize up front that I have only been investing money since the beginning of 2023. My journey started directly with the tough crypto market. But good thing... As a result, I am very much in the plus with BTC and some altcoins... and very much in the minus with others... that's life 😁

I got into the stock market and my ETF savings plan in May 2024.

Since then, I've been investing in these 3 ETFs every month:

1) $IWDA (+0,58 %) 50% - currently + 6.1%

2) $EIMI (+0,19 %) 30% - currently + 6.6%

3) $RBOT (+0,79 %) 20% - currently + 8.6%

Also bought some individual stocks such as $MSTR (+2,46 %) , $COIN (+4,11 %) , $PLTR (+0,22 %) , $RIOT (+4,23 %) and many more. I am also strongly up on the majority of them.

I monitor the markets on a daily basis and am increasingly looking for opportunities to pick up good and interesting ETFs or, in some cases, individual stocks (focus on dividends)

I have now made the following adjustments or added stocks (ETFs) in recent months:

4) $JEPQ (-0,61 %)

5) $JEGP (-0,4 %)

6) $TDIV (+0,24 %)

I have included the two from jpmorgan as distributing etfs to generate additional cash flow. Getting money every month is just a good feeling and I thought I'd rather do it with these etfs than look for additional individual stocks.

The $TDIV (+0,24 %) I have read a lot here and then decided to include it because it is doing really well and looks very interesting 🔥😎

So I now own 6 Etf's and sometimes I have the feeling it would be better to only have 2-3. But I find the 3 new distributing etfs really appealing due to the monthly or quarterly cash flow.

Individual stocks with a focus on dividends and which I have bought heavily in the last few months are :

1) $PEP (+1,48 %)

2) $O (+0,16 %)

3) $MAIN (+1,7 %)

4) $RIO (+2,67 %)

And brand new since last week

5) $ALV (-2,14 %)

I would like to say goodbye to the following values in the near future:

$STAG (+0,37 %)

$JNJ (+1,11 %)

$TXN (+1,5 %)

So there would be 11 stocks or securities in my long-term portfolio that I would like to save monthly or via DCA over the next 20-30 years.

I'm still new to the world of investing. Just under 2.5 years is nothing I would say. I would therefore be grateful for any tips on what I should possibly change or improve.

The dividends from the individual shares and ETFs always go into the $IWDA (+0,58 %) because I want to increase its share, which alone should make up at least 50% I would say!

Unfortunately, I currently only have €350 to invest each month. But I currently have almost 100k in the markets. Most of it is in cryptos... but at the end of the year everything will be completely liquidated and then I'll have some cash to invest again!

Now it's your turn.

Thanks in advance.

Best regards

Chris 👋🤝😎

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 (+0,58 %) 234€ per month
• $EIMI (+0,19 %) 90€ monthly
• $SMEA (+0,28 %) 70€ monthly
• $EWG2 (-0,23 %) 65€ monthly
• $BTC (+2,35 %) : 42€

I also save through VL benefits:

• $VHYG (+0,64 %) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (+0,24 %) .

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!

Hi everyone, to be honest, I work on my portfolio almost every day. But I would also like to say in a timely manner: Hey, that's good now... The savings plans run monthly, I don't stress myself and look at the portfolio in a few years and see what the compound interest effect has created 🔥🤩🚀

I also still have Bitcoin and crypto, but I trade anti-cyclically and in a 4-year cycle. Will most likely liquidate everything at the end of the year 🔥💰

My portfolio currently consists of the following ETFs + individual stocks:

1) $IWDA (+0,58 %)

2) $EIMI (+0,19 %)

3) $RBOT (+0,79 %) all 3 are accumulating and have been running for almost 1.5 years now.

I also bought these 3 etfs (distributing) a few weeks ago. I became aware of them here on the site and found them very attractive due to the monthly cash flow. I think it's better to have such etf's than other individual stocks.

4) $TDIV (+0,24 %) (quarterly)

5) $JEPQ (-0,61 %) (monthly)

6) $JEGP (-0,4 %) (monthly)

I find the dividend yield on all 3 etfs very nice and high.

I also have these 5 dividend stocks:

1) $PEP (+1,48 %)

2) $O (+0,16 %)

3) $MAIN (+1,7 %)

4) $RIO (+2,67 %)

And 5) $STAG (+0,37 %)

But I would like to sell Stag because the dividend growth is not so big and strong for me... and maybe get $D05 (+0,21 %) instead? The dividend growth looks very strong there... Or which stock would you recommend?

I would be interested in your opinion on the portfolio or the individual stocks.

Thanks for any feedback, whether criticism or praise.

I would like to save all the stocks in the long term and then have a nice big portfolio in 20-30 years and receive a great cash flow 🔥💰🤝

Best regards

Chris

Just wanted to ask what you think of the savings plans.

$KO (+0,43 %) 70€ mntl.

$MAIN (+1,7 %) 60€mntl.

$MWRD (+0,59 %) 120€mntl.

$EIMI (+0,19 %) 80€mntl.

$TDIV (+0,24 %) 80€mntl.

Would you change the savings rates here?

The next step towards the €6,000 by the end of the year has been reached.

Briefly about me: I'm 20 years old and aim to build up long-term assets.

Savings plans currently amount to €350:

• $IWDA (+0,58 %) = 210€
• $EIMI (+0,19 %) = 90€
• $BTC (+2,35 %) = 50€ (starts next month)

What would you do differently or add?

Hi Dear GQ Community,

Today I wanted to share my portfolio with you and see what you think or say about it. You are welcome to make suggestions for improvement. 😃

First of all about me, I am 31 years old, father of 2 children and only work as a service technician 👷‍♂️unterwegs which is why I currently have no more than 100€ - 130€ per month available to invest. I always thought with your high sums that I would not divide my portfolio because it is so small. But today I'm just going to do it 😅.

I've only been investing since the end of May 2025. I'm looking for dividends that are partly reinvested and partly paid out. But I want to save for old age in the long term to possibly supplement my pension 🧓later on. 💰💸

Now to the portfolio. I don't currently have a plan for how much of my budget is going where. I'll look at it for a month and then decide who has performed best 📈 and who has performed less 📉.

I currently have:

ETF savings plans:

• $IWDA (+0,58 %) with monthly 25€
• $VHYL (+0,73 %) with monthly 15€
• $EIMI (+0,19 %) with monthly 10€

Individual shares:

• $OXY (+0,83 %)
• $PEP (+1,48 %)
• 
  $KO (+0,43 %)
• 
  $SHEL (+0,33 %)
• 
  $RHM (-0,16 %)
• 
  $BAC (+0,38 %)

Crypto:

• $BTC (+2,35 %)

The savings plans are saved every month and the individual shares are saved more or less depending on the month. Because $BTC (+2,35 %) to be honest, I'm in it just for fun. I'd like to see where the journey takes me.

As I said, I'll decide exactly how it will be divided up next month when I see who has performed best by then. And then it will be adjusted monthly.

At the moment my portfolio is only in the red with the order fees from Trade Republic, if these weren't there I would already be slightly in the black. But I am investing for the long term and am not out for day trading.

Now I'm curious to hear what you have to say, and please don't completely tear me apart 😅.

$CSPX (+0,69 %)
$IWDA (+0,58 %)
$EIMI (+0,19 %)
$CSNDX (+0,31 %)
$ACWI (+0,5 %)
$VUSA (+0,69 %)
$VWRL (+0,53 %)

In the case of geopolitical escalations, the average daily loss is 1.2%, the average total loss is 5% and the recovery time is around 47 days.

Just keep calm, stay true to your strategy and don't panic sell ✌️

The historical reaction of the S& P 500 ($CSPX (+0,69 %)
$VUSA (+0,69 %) ) to important geopolitical events:

Geopolitical shocks usually only have a short-term impact on the performance of the stock markets.