Hello everyone,

I have been putting together my portfolio for a few months now.

For the time being, the portfolio now has a framework, which of course can always be adjusted.

I am trying a 70/30 strategy of shares and ETFs. As I am 41 years old and therefore still have around 25 years to work, I have tried to choose quality shares that pay a decent dividend but also generate growth. I have included Telekom and DHL because of the tax-free dividends.

I have limited myself to 3 ETFs that should also generate growth and are therefore accumulating.

In my opinion, there is still a lot of potential in the healthcare sector, hence the addition $XDWH (+0,23 %) as a sector ETF to the other two $XDWD (+0,44 %)
$EIMI (+0,45 %)

The dividends received should then be reinvested annually in the $XDWD (+0,44 %) reinvested annually to achieve further growth.

This is my very own strategy that I am pursuing.

I would be pleased and grateful for any suggestions and tips on adding to my portfolio.

Molina $US60855R1005 (-0,28 %) - 80 %

Centene $CNC (-2,42 %) - 52 %

Elevance $ELV (+0,34 %) - 25 %

UnitedHealth $UNH (-0,74 %) - 11 %

CVS Health (Aetna) $CVS (-0,25 %) - 6 %

Companies that in my opinion have upside potential on positive news.

Healthcare sector in general with a lot of catch-up potential, can in my opinion be well overplayed. $XDWH (+0,23 %) play.

Do you have any sectors that you play via ETFs and if so, which ones?

I would be interested, I will probably now also set up a savings plan on $DAPP (+3,85 %) and make a first purchase.

• Expansion of the money supply
• Possible fall in interest rates
• Debt of the USA (repayment 1/3 this year)
• and much more

In my opinion, this should $BTC (+0,02 %) and a large part of the associated companies.

(Even if we are already somewhat further advanced)

Looking forward to your opinions and sector ETF's, even if they are only short term positions.

Normally I only go for individual stocks, but as I hardly want to hold cash, I feel very comfortable in the healthcare sector at the moment. ✌️

$HIMS (+8,52 %)

It is relatively simple, $HIMS (+8,52 %) should be judged as a rapidly growing telemedicine platform that enables healthcare delivery in the most convenient and compelling way.

$HIMS (+8,52 %) GLP1 was already growing strongly before GLP1 and will, in my opinion, continue to develop and expand as one of the largest and leading telemedicine platforms.

A platform and brand designed to provide affordable access to medical care and products.

A personalized medical companion with tailored treatments for every need.

A vertically integrated, AI-powered platform with in-house compounding and testing.

You should tune out the short-term noise and wear noise protection if necessary 😁, the long-term potential and adoption of the platform and products is undeniable.

This graphic illustrates this very well:

$HIMS (+8,52 %)
$NOVO B (-0,19 %)
$LLY (+0,97 %)
$XDWH (+0,23 %)

$XDWH (+0,23 %)
$IUHC (+0,16 %)
$WHEA (+0,29 %)
$WHCS (+0,09 %)
$WELS (+0,2 %)
$LLY (+0,97 %)
$NOVO B (-0,19 %)
$RNN519 (-0,04 %)

I would be interested in your opinion on the healthcare sector ? I am currently toying with the idea of parking my cash in the $XDWH (+0,23 %) in the health care sector. I believe that the healthcare sector has some catching up to do and if the stock market becomes more volatile, I think the healthcare sector will benefit. Even if it is perhaps only a short-term position, I expect a higher return here than on the call money account. I like the idea, especially as the market for slimming products should continue to grow strongly and $LLY (+0,97 %) ubd $NOVO B (-0,19 %) will benefit from this as a dominant player.

$HIMS (+8,52 %)
$LFMD

$UNH (-0,74 %)
$IUSA (+0,45 %)
$CSINDU (+0,34 %)
$EXI2 (+0,13 %)
$XDWH (+0,23 %)

The UnitedHealth share price $UNH (-0,74 %) falls by over 8 % as the Department of Justice announces an investigation into possible Medicare fraud.

Funnily enough, this news comes right now and the investigation is likely to date back to last year? Let's see what follows today, whether there are any official reports, $UNH (-0,74 %) has issued a statement immediately, how do you react to this?

https://www.unitedhealthgroup.com/newsroom/2025/2025-05-14-response-may-14-wsj-article.html

https://stocktwits.com/news-articles/markets/equity/unh-stock-slides-on-report-of-doj-probe-retail-bullish/chitlRYRbN6

The U.S. Justice Department is investigating UnitedHealth Group Inc (UNH) for possible criminal Medicare fraud, the Wall Street Journal reported citing people familiar with the matter.

The investigation is being led by the healthcare-fraud unit of the Justice Department's criminal division and has been ongoing since last summer.

Though specific allegations are unclear, the probe is focused on UnitedHealth's Medicare Advantage business practices, the report said.

The Journal noted that the investigation adds to other government inquiries into the company, including antitrust concerns and a civil review of its Medicare billing practices at its doctors' offices.

On Tuesday, UnitedHealth Group announced that its Chief Executive Officer Andrew Witty stepped down from the position due to personal reasons. Following this, the healthcare company appointed Stephen Hemsley as its new Chief Executive Officer, effective immediately. He was the company's Board chair in 2017.

Additionally, the company announced its decision to suspend its 2025 outlook, citing higher than expected medical expenditures. However, the company expects to return to growth in 2026.

$XDWH (+0,23 %)

What do you think of this ETF?

Would like to weight the healthcare sector a little more!

Hey, what do you think of health ETFs and which one do you like best?

$XDWH (+0,23 %) is currently my favorite 🤔 As a supplement to the MSCI World and STOXX Europe 600