I wanted to refresh my wife's portfolio and not just put it into an MSCI World or FTSI World. So I asked ChatGPT how I can set up a savings plan with the following conditions:

Individual positions < 10%

Individual stocks: Siemens AG, Microsoft, BTC and gold

Defense industry

Construction and infrastructure sector

Momentum

Robots sector

AI sector

Nuclear industry

The following constrellation came out at 2x200€/month:

Individual stocks: 32%

8% Siemens AG $SIE (-0,31 %) 2x16€ =32,00 €

8% Microsoft $MSFT (+0,16 %) 2x16€ =32,00 €

8% Bitcoin $BTC (+0,74 %) 2x16€=32,00 €

8% Gold $WGLD (+0,45 %) 2x16€=32,00 €

ETFs 68%:

20% multifactor ETF $IBCZ (-0,18 %) 2x 40€ = 80€

12% Robotics ETF $AAKI (-0,32 %) 2x 24€ = 48 €

12% AI ETF $INTL (-0,12 %) 2x24€ = 48 €

12% Nuclear ETF $NUKL (+1,86 %) 2x24€ = 48 €

7% Infrastructure ETF $EXV8 (-0,25 %) 2x14€ = 28 €

5% Defense ETF $ASWC (-0,52 %) 2x10€ = 20 €

Why all this:

The selection offers better access to momentum in the short, medium and long term and less vola in the overall picture. A total of 570 companies are included and 2 assets.

I would be very happy to receive feedback or suggestions. Thank you!

Hello, here is my current portfolio. With a current return of -3.77%. How would you rate it?

My savings plan:

70% $VWRL (-0,07 %) Core

15% $WGLD (+0,45 %) - I am convinced of gold

15% $MEUD (+0,26 %) - Patriotic, deliberately overweight Europe

+ occasional BTC purchases.

$MSTR (-3,72 %) and $CSNDX (+0,1 %) are sold as soon as they are green and regrouped. Realizing losses probably makes no sense here?

I'm due to make an annual adjustment to my savings plans.

I have the following picture in mind:

Category
ETFs
Monthly share (total: 630 €)

1) Global broad (Core)

$VWRL (-0,07 %) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (-0,66 %)
$EUHD (-0,3 %) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (+0,15 %)
$XNGI (+0,65 %) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (+0,26 %)
$WSML (-0,46 %)
$IEEM (+0,13 %) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (+0,45 %) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)

Hi all - I had planned to expand my portfolio a few weeks ago because of an inheritance. Now a few things have happened: Money is there and at the same time the company is asking if I would like to quit in return for a severance payment. Yup, maybe I have. Do something other than IT, for example ... Volunteering at the food bank, riding my bike and Vespa, sports, traveling & chilling or something... But that's another story :-)

But does it work financially? Let's assume about 1.2 million in total (600k invested, 600k cash). House paid off, 2 kids out, wife self-employed, but only a small amount. I'm 58, I can retire at 62, with official deductions. That will therefore be a manageable pension in total. That's why I'll need monthly cash in 3 years. The severance payment would last until then. Now I'm thinking about reallocating a large part of my portfolio from tech, world ETF, S&P and some individual stocks to high-dividend stocks: 10% $ALV (-0,79 %), 10% $MUV2 (-0,9 %) , 10% $O (+0,06 %) , 10% $VHYL (-0,66 %) , 10% $WGLD (+0,45 %) , 20% $IDVY (-0,31 %) , 10% $XMME (+0,34 %) , 10% $XEON (+0,01 %) (in case the dividend falls in volatile phases and to bridge payout dates). dates), 10% play money GTAA, 2Spy, Momentum etc----hahaha, actually I just wanted to mention @Epi mention.

With the above you get about 4% dividend. At 800k = 32000-25%= 24000= just under 2k net on top. That should be enough. The assets won't grow that much, but cash per month is enough. What do you think? Completely wrong way of thinking? Forgotten something important?

Hello Community,

I thought it was time to post my portfolio again and what adjustments and plans are still taking place for the year 2025.

My portfolio currently consists of the classic $IWDA (-0,03 %) , $EIMI (+0,16 %) and the $CSNDX (+0,1 %) .

Further additions are $WGLD (+0,45 %) and $BTC (+0,74 %) only.

My remaining satellites are targeted additions in order to expand the focus to Europe and Japan on the one hand and to provide a yield boost in the portfolio on the other.

I currently continue to invest in all ETFs, gold and Bitcoin on a monthly basis.

Upcoming changes:

I will shift a portion from the call money account into the $XEON (+0,01 %) into the

It may be planned to make another additional purchase at $NOVO B (+0,23 %) is planned.

expected new additions this year:

$PANW (+0,44 %)

$ISRG (-5,9 %)

$RKLB (-10,64 %)

These are also joining the ranks as targeted satellites and, for me, represent three further interesting, fast-growing and sustainable sectors.

Have a nice weekend :)

LG

Paul

Heyho dear Getquin Community,

I have two three amateurish questions.

I've been saving €100 a month for a good two years now. $VWCE (-0,04 %) (I'm a student, so the savings rate isn't too high - but it should be increased gradually over an investment horizon of 40 years)

Now, as suggested in some of the posts here, I would invest 15-20% each in gold $BTC (+0,74 %) and gold.

Here I have now repeatedly $WGLD (+0,45 %) and $IGLN (+0,69 %) How do the two colleagues differ and which of the two would you recommend and why?

-

(I save the ETF via ING, but I can't invest in Bitcoin or gold here, so I would have to do this separately via Scalable. But a custody account transfer for one ETF would be nonsense, wouldn't it?)

Hello everyone, now I have to interfere again,

Does anyone know how the $WGLD (+0,45 %) works?

I have heard that it is tax-free and they store the gold. Now my question:

How do they know how much gold I have bought?

Well, the important thing is that it is tax-free.

Do you think it is still worth $EWG2 (+0,83 %) at 85 euros per gram?

Would you start saving for a gold etf at the current time or would you rather save for silver?

$WGLD (+0,45 %)

$SSLN (+0,44 %)

Hello everyone,

Is it better to save gold monthly via Bitpanda or via the ETF $WGLD (+0,45 %) at Trade Republic?

Perhaps you already have some experience.