$VUAG (-0,11 %)
$MEUD (-0,5 %) and $XMME (-0,98 %) increased

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 (-0,3 %) , $VWCE (-0,17 %) , $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 (-0,98 %) as a supplement. Through $VWCE (-0,17 %) and $VHYG (-0,3 %) I have already invested a certain amount in EM. Should I use the $XMME (-0,98 %) 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.

Dear getquin community,

I've been quietly reading along here for some time now and have really taken a lot from many of the posts. I am now facing a major decision myself and am really hoping for your opinions and experiences.

Briefly about me and my situation: I am in my mid-20s and have been investing privately for around ten years. Up to now, I have mainly bought individual shares or commodity ETCs when the right opportunities arose and held them for the long term. During my studies, investing was rather irregular, but this was perfectly sufficient for my goals at the time.

For some years now, I have been running a small company in the e-commerce sector together with a colleague. In the meantime, profits have accumulated there, most of which are currently sitting unused in accounts and losing value due to inflation. This is exactly what I want to change now.

My aim is to invest this capital sensibly in order to maintain purchasing power and, in the best case, achieve a solid return. To start with, we would like to invest around 200,000 euros.

My thoughts on the allocation so far are as follows:

• 30% in $XMME (-0,98 %) (Emerging Markets ETF)
• 30% in $XDWD (-0,1 %) (MSCI World)
• 20% in $XAD6 (-4,25 %) (Physical Silver ETC)
• 20% in $XAD1 (-1,39 %) (Physical Gold ETC)

As I have no experience with larger one-off investments within short periods of time, I would be very pleased to receive your feedback. I am particularly interested in the following points:

• What do you think of the basic allocation?
• Would you rather invest everything at once or take a staggered approach?
• Do you think a proportion of gold or silver makes sense at the current price level?

I would be grateful for any advice, criticism or suggestions for improvement. Thank you very much in advance for your time and input.

Love Grüße✌🏻

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 (-1,8 %) | $EWG2 (-1,81 %) | $CSEMU (-0,31 %) | $EIMI (-0,53 %) | $MEUD (-0,5 %) | $EXSA (-0,4 %) | $XMME (-0,98 %)

Source text (excerpt) & graphic: World, 20.12.25

Due to the booking of the inherited shares from my father's portfolio, my annual rewind is heavily distorted. Nevertheless, I would like to present my surprising "top performer windfall".

$JNJ (-0,04 %) + 30.21% since the beginning of June

2nd and 3rd place go to the Europe and Emerging Markets ETFs

$MEUD (-0,5 %) +19.84% over one year

$XMME (-0,98 %) +15.8% over one year

The $VUAG (-0,11 %) I've only had it since the middle of the year, when I $XZW0 (-0,3 %) when I reallocated.

The following had a negative impact on performance $1211 (+2,65 %) and $NOVO B (-0,41 %) have had a negative effect. However, I realized the losses here for tax reasons, so I cannot state the performance for the year.

I have reallocated quite a bit this year and am already very happy with my portfolio. I still have my eye on some interesting individual stocks, but my initial goal is to get back to a 70 percent ETF share. This means that next year I will mainly continue with the savings plans, provided I can keep myself under control :)

I wish everyone in the community a Merry Christmas and a successful 2026

Hello everyone,

I appreciate your feedback on my strategy.

I'm in my mid-50s and we currently put aside €2,900 every month. 1,900 goes into

$B161SX (-0,1 %) to build up reserves. Current annual return 1.9%.

The aim here is to reach €50k in the next 20 months in order to be able to make the upcoming investments in the house.

As soon as this is achieved, I will reduce the savings in favor of the ETF's and in the next 5 years we will have paid off all debts and the free amounts will also go into asset accumulation.

Dream goal at the start of retirement 500T€UR. 😉

50% of the remaining €1,000 will go into

$UETW (-0,14 %)

and 10% each in

$IS3R (+0,04 %)

$IEFM (-0,28 %)

$XMME (-0,98 %)

$RBOT (-0,14 %) and

$ISPY (+0,22 %)

I want to monitor the performance of the two momentum ETFs to see whether they outperform the MSCI World and the Eurostoxx600. Over the next 12-24 months, I will then switch depending on the results.

I am still holding on to the existing individual stocks in order to sell them at a (larger) profit and have no time pressure here, even with the stocks in the red.

My price target is

$AIR (-0,77 %) 240-250€

$CCL (+1,64 %) at 28-30€

$LHA (-1,31 %) at 9-10€

and the rest should bring 20-30% when I sell them.

This year I have still been working a lot with direct investments (currently +20% in 2025) but will continue to reduce this. The funds released will then go into the above-mentioned ETFs according to the above key.

I'm leaving out crypto, as the topic doesn't appeal to me, and commodities are too volatile for me, and gold is currently too expensive, even though many people are saying that we'll soon be at 5T€UR.

I look forward to your feedback or questions if something is unclear.

BG

I have been a silent listener since July and am delighted with your open exchange.

I myself have only been investing more intensively since January 2025, which in retrospect was not a good time to get into these stocks😅.

In the meantime, I have sold my MSCI World with a profit of approx. 9% and switched to MSCI World ex USA and $XMME (-0,98 %) regrouped. As I also have a high proportion of S&P 500 $CSPX (-0,11 %) have.

I also have a disproportionately high holding in India ETF $QDV5 because I believe in its long-term growth.

I currently only have a small savings rate (wife on parental leave, 2 children and a house - you still want to live 🤣) in Micrsoft and will add Bitcoin from next month.

I have similar portfolios with a monthly savings rate for both kids.

I'm always open to ideas or suggestions

VG

I am currently of the opinion that I am in a good position with my investments for the current status. (approx. 1 year of investing)

Now to the individual stocks! 🧐

My main ETF $IWRD (-0,3 %) :

Currently, the iShares MSCI World is my biggest stock - but also my biggest problem (at least in my opinion). It's currently too much of a cluster risk for me, as I'm invested in North America with around 55%. 😣

My second ETF $XMME (-0,98 %) :

I try to minimize this cluster risk with this ETF. 70/30 strategy... 😛

The China giant $1810 (+5,5 %) :

As I really like the current status of the company, I am following developments with interest and the purchase price was very attractive for my financial means, I bought it. With satisfaction. Of course, I also did it to further minimize the cluster risk. So... hopefully I'll be able to sell at a profit at some point! 😇

A bigger gamble $TTWO (-0,74 %) :

Well... what can you say... GTA 6 will probably blow everyone away. Of course, I'm aware it's only a small percentage, so either pay the lesson or get lucky. ☘️

My first solid stock with dividend prospects $KO (+0,11 %) :

Everyone knows it, everyone has bought it. There's nothing to say about CocaCola. 🥤

My second solid div. stock $SHEL (-1,52 %) :

I was able to get in cheap, the company is huge and stable. ⛽️

The bank share $DBK (-0,53 %) :

I'm with DB, extremely happy with it and was able to strike it cheap at the time. So far it's done quite well and there are always a few dividends! 💰

And finally... the more or less ugly duckling $SLI (-1,08 %) :

The little gamble that turned into my first doubling. One can only hope. Stability is not exactly the hobbyhorse. 🦆

And now for my future thoughts!

I am currently interested in $DTE (-0,17 %) (approx. worth €300-400) and letting them run with a savings plan. On the one hand, of course, to further balance out the cluster risk and on the other hand, to somewhat delimit the Asian theme.

My next consideration is $CL (-0,18 %) as it currently has an interesting entry price.

...you have all become my most valuable advisors here. Every day you prove to me that you enjoy investing and know your stuff.

I am satisfied with my portfolio, but it is too complicated and could be simplified. That's why I'm toying with a new concept until December 2026.

My current portfolio should be streamlined by then and follow a clear long-term line. The tax burden would be devastatingly low in the event of a partial sale if gains and losses are offset against each other.

You are welcome to evaluate, root for, criticize or whatever you like about the future concept here and now 😄

The plan looks like this:

41% of the portfolio size should henceforth $IWDA (-0,08 %) be

10% $XMME (-0,98 %)

10% $WSML (-0,04 %)

8,5% $GGRP (-0,14 %)

8,5% $TDIV (+0,08 %)

7% $CSPX (-0,11 %)

5% $BTC (-1,47 %)

5% $EWG2 (-1,81 %)

5% $XEON (+0 %)

I would sell the FTSE, the other dividend ETFs and the individual stocks. This should reduce the TER slightly and with 9 total positions it would probably not only be clearer but also yield-optimized at best.

I look forward to your opinions on this.

Thanks as always, good returns to you all and best regards

_EvD_ 😊

What would you do with the ETFs if you were me? Merge and put everything in the $VWRL (-0,52 %) or with $IWDA, $XMME (-0,98 %) and $CSPX (-0,11 %) continue? Or simply take more risk without $XMME? (-0,98 %)

savings rate is 1000€.