We currently have just under EUR 16,500, which was originally earmarked for an unscheduled repayment of the property loan 🏠. Until recently, the money was in a Trade Republic account with 3.00% interest, which is now being reduced to 2.75%. Combined with the APR on the loan and inflation, however, this amounted to a zero-sum game. Not particularly smart - but since the money belongs to both me and my wife, you have to make compromises every now and then. 😄

But now we would like to invest the amount in an ETF. Our current portfolio, in which the monthly surpluses are invested, looks like this:

• 50 % in the $HMWO (-1,05 %) (HSBC MSCI World ETF, distributing - until the exemption limit is reached, which will probably be soon 🫠 )
• 25 % in the $EQAC (-1,51 %) (Invesco EQQQ NASDAQ-100 ETF, accumulating)
• 10 % in $EWG2 (+0 %) (EUWAX Gold II, accumulating)
• 7,5 % in $EIMI (+0,06 %) (iShares Core MSCI EM IMI ETF, accumulating)
• 7,5 % in $QDV5 (-0,66 %) (iShares MSCI India ETF, accumulating)

In addition, my wife saves monthly in the $SPYI (-0,98 %) (SPDR MSCI ACWI IMI ETF, accumulating) with 155.00 EURto build up reserves for her private health insurance when she retires.

In addition, some of our money flows into call money accounts as an emergency reserve, and there is also an amount in the $XEON (+0,01 %) (Xtrackers II Overnight Rate Swap ETF C).

Now we are considering in which accumulating ETF we should invest the 16,500 euros and the future savings installment should be invested in. I would like to keep it as a separate or new position in one of the custody accounts, as the money will be invested in 17 years - after the fixed interest rate expires - to (partially) pay off the real estate loan. I'm also a fan of having different pots for different occasions. Each month I expect to have 250 to 500 euros in addition to the 16,500 euros.

Which accumulating ETF would be your favorite under these conditions?

Or simply, in one of our existing custody accounts additionally $SPYI (-0,98 %) (SPDR MSCI ACWI IMI ETF) separately from my wife's savings plan, as a separate pot, because it's already a good ETF anyway?

I look forward to your opinion!

Position swap for the nest egg.

I initially sold $XEON (+0,01 %) completely and then added this high-yield bond ETF without currency risk to the portfolio instead. It pays out semi-annually and currently has a dividend yield of 5.7% according to Focus Money, which is at least a little more than $XEON

So now it's time for me to introduce myself. I've been reading your posts for quite a while now. And I've been able to glean a lot of knowledge here.

About myself, I am 47 years young, married and an employee of a medium-sized company. I have been working intensively on the topic of investing in shares since May 2024. Before that, however, I had already dealt with the topic of investing, but was dazzled by financial advisors etc.. I had invested a lot in investment funds and life insurance policies. However, the returns fell by the wayside.

Until I started looking into ETFs and shares. As is so often the case, the financial advisors naturally wanted to talk me down about the enormous risk I was taking and that a fund would bring much higher returns, etc. etc.

Long story short, I decided to go down this path anyway. I started with a Robovisor (growney). Here I was able to gain my first experience with ETFs.

But I quickly realized that I wanted more, i.e. I wanted to get more involved with ETFs and shares and find my own strategy that suited me. So I opened a securities account with an online broker and then, after intensive research on YouTube, getquin and Google, I started to create my own securities account.

In the meantime, I canceled all my funds and life insurance policies and reallocated my assets.

In May 2024, I then started to build up my own portfolio. So 2024 was more of a practice year. I have now built up my portfolio to the point where I feel comfortable with it.

Now to my strategy, I want to build up assets until I retire

My core is the

$VWCE (-0,92 %) This is where the largest monthly savings installment goes in

$EWG2 (+0 %) I see gold as a small security and stability for my portfolio, which will be expanded in small steps.

$XEON (+0,01 %) Money market ETF is our emergency fund, which will be expanded in small steps, as repairs etc. are also paid from here.

$BTC (+0,77 %) I see Bitcoin as a long-term investment, this will also be further expanded via a savings plan, but I would also like to realize partial profits in the future

Then I have decided on a few individual stocks, which I have selected so that they are not so highly weighted in my core and where I see growth potential in the future. These will be held for the medium to long term and expanded with savings plans.

$NU (-11,11 %)
$HIMS (-26,15 %)
$ASML (-0,72 %)
$SFM (-12,04 %)
$NOVO B (+5,32 %)
$SHOP (-5,86 %)
$SNOW (-3,37 %)
$SP20 (-1,48 %) The S&P 500 Top20 serves as a small yield booster, but it remains to be seen...otherwise it will be reallocated to the all World

That's it for now, I'm always open to constructive criticism and improvements. I'm looking forward to an exciting time here.

So, here's my monthly Sankey diagram. 2000 is net, always fluctuates a bit due to separation pay, but 2k is the average. That's why I don't pay taxes according to this thing. 300/900€ in ETFs are a nest egg ($XEON (+0,01 %) ). I pay so little for housing because I own the apartment. Do you see anything that bothers you incredibly? I'm open to any criticism/suggestions.

I've noticed that I'm putting all my leftover money into ETFs via savings plans. So $XEON (+0,01 %) set up as an asset with the largest monthly savings plan in percentage terms until I'm at the 3-5 monthly salaries. I opted for the money market ETF because I like to be tempted to make yolo purchases from time to time with Trade Republic "credit balances". Apart from that, the return p.a. is quite comparable to what Trade Republic pays in interest. What do you think? Rather cash balances with TR or money market etf?

$XEON (+0,01 %)

moin,

I have noticed that xeod and xeon are synthetic. I wanted to park cash reserves there for subsequent purchases, but I see the risk of losses if things go wrong. There have also been some problems with synthetic etfs in the past.

Do you see this critically or do you think it is a manageable risk (even in the event of a crash)?

Thank you very much

The year 2024 is over in stock market terms and I would also like to review the year.

I started with a portfolio value of just over €53,000.

I knew that a reallocation of around €20,000 was still to come and had therefore set my sights on the target of €100,000.

This was very ambitious, as I naturally didn't know what the year would bring. After all, there were already enough economic and political uncertainties at the start of 2024.

As I only really started investing in 2021 and 2022 was therefore my first full year on the stock market, I made a lot of mistakes at the beginning, had fluctuations in my strategy (once one was in place) and of course also made a few losses.

That's why it was important for me to stay true to my strategy in 2024 and not throw everything overboard again. Because, as I always say, going back and forth empties your pockets.

Some of you may also remember my early days, when I had a lot of savings plans in place, but they weren't particularly high and were constantly being changed. At the beginning of 2024, my portfolio contained a total of 47 individual share positions and 3 ETFs.

My goals for 2024 were therefore

• Stay true to the strategy
• No new stocks in the portfolio, rather clear out
• 100,000€ portfolio value
• 2000€ net dividend
• Investment of €17,000 (without reallocation)

2024 went as follows for me:

January: +4.0%

February: +1.3%

March: +3.0%

April: -0.4%

May: +0.5%

June: +1.7%

July: +1.7%

August: +0.9%

September: +1.0%

October: -0.4%

November: +3.4%

December: -1.7%

TTWROR 2024: +15.8%

Dividend (already in the performance): € 1956.56

Invested: €24,900

Reallocation: €21,700

Thanks to a special payment from my old employer, to which I was still entitled, I was surprisingly able to invest around €5,000 more than I had originally thought.

Did I achieve my goals?

Not all of them.

With the dividends, I'm ~€43 below my target. That's a shame, but it motivates me to step on the gas even more and crack the €2400 net dividend in 2025. That would be €200 net per month, which corresponds to an increase of 22.66%. Again, very ambitious, but you should set yourself ambitious goals.

However, I was already able to break the €100,000 barrier in September. This was of course due to the strong market. I ended the year with just over €111,500. I have remained true to my strategy, but a few new stocks have slipped into the portfolio (and a few out).

The cheering contribution to the €100,000 was here:

https://app.getquin.com/de/activity/XGtdQzCdYF

New in the depot:

$NESN (+4,08 %) Nestle

$CTAS (-0,09 %) Cintas (savings plan)

$RACE (-0,5 %) Ferrari

$D05 (+0,91 %) DBS

$UNH (-6,94 %) United Health

$V (-0,16 %) visas

$CSNDX (-1,63 %) Nasdaq 100 (savings plan)

$XEON (+0,01 %) As an overnight money substitute for fixed planned money for loan repayment in 6 years or special repayment if the interest rate on the balance falls below the loan interest rate of 0.75%. Is topped up with special payments from the employer during this period.

Left my securities account:

$AAL (-0,25 %) Anglo American PLC (+37%)

$IBM (-0,47 %) (+26%)

$BAC (-0,56 %) Bank of America (+45%)

$UKW (-0,76 %) Greencoat UK Wind (0 to 0 due to dividends)

$SBUX (-0,91 %) Starbucks (+10%)

$BIGG (-0,98 %) Bigg Digital Group (-95%)

Unfortunately, I sold IBM and Bank of America too early, but I am still satisfied.

What else has happened?

• I bought Bitcoin from TR to estimate the costs. Conclusion: savings plan is always around 3-4% higher. Not worth it, if at all then individual purchases
• Weingut Dürnberg: First dividend received and prospects look reasonable. Depending on how the grape harvest turns out next year, a dividend will be paid again and investments can still be made.
• The conservatory and paving the courtyard are done. The house construction is more or less finished, everything else will take time and are small things, but now I have to start saving again as I only have a small nest egg and my deposit. All other funds have been used up as the costs were twice as high as originally planned.
• Podcast with @Koenigmidas is running rather slowly this year due to personal time constraints. You can find the latest episode here: Link zur Folge (also available on Amazon)

Outlook for 2025

So what are my plans for 2025 in terms of finances?

• Investment of €15,000
• Net dividend of €2,400
• One slightly greater focus on high dividend stocks (e.g. to increase $HTGC (-0,77 %) to increase the cash flow a little faster)

What are your targets for 2025? Did you reach your 2024 targets and to what extent did you change your targets after reaching (or not reaching) your 2024 targets?

Feel free to let me know in the comments, as I always find it very exciting to see how ambitiously others set/change their goals.

I wish you a good start to 2025 and every success with all your plans and goals.

As with everything, of course, if you're not interested, feel free to keep scrolling and/or use the block function. 😊

Hello everyone,

I have a question about the saver's allowance. I am married - so together we have €2000.

I have a custody account as well as fixed-term deposits and call money. My exemption order of €1000 is invested and has also been used up for 2024. My wife has power of attorney on the account - it's also our joint money.

My wife has no interest income this year.

My plan: Will her remaining lump sum be offset against "my surplus" in the tax return for joint assessment if I now realize an interest income of $XEON (+0,01 %) realize another €500 in interest income? I would then have around €1800 in interest income in 2024 and my wife would have €0.

Or am I looking at this wrong?

Thank you for your support and a good start to the new year to everyone.

As announced, the second reduction in the proportion of Bitcoin in my portfolio at EUR 100,000. Bitcoin now accounts for just over 60% of my portfolio. I would like to take this as an opportunity to share my Bitcoin story with you.

I bought Bitcoin for the first time back in 2017, but also sold it again at the time. I never held it, but actively bought and sold it. Even back then, I was toying with the idea of investing in Bitcoin, but my father kept talking me out of it because he thought it was nonsense. After witnessing one all-time high after another, I eventually decided to do my own thing and go all-in in Bitcoin.

It was also the only asset I was interested in at the time. I didn't care about shares, ETFs, gold, etc. So I went all-inand of course in 2021, at the absolute all-time high. I caught purchase prices of 40,000, 50,000 or 60,000 euros. Once all my money was invested, Bitcoin naturally went downhill.

A small insertion: All my money at the time was around 20,000 euros, out of the original 100,000 euros that my father gave me for my 18th birthday (I'm now 25). Where the remaining 80,000 euros went is a topic for another post.

Spoiler: they were not invested.

During this time, I sold a bit - according to the motto "buy high, sell low" - but thankfully I also bought more, so that I took losses, but was able to buy cheaper bitcoins for more or less the same money (with my own money).

I now have a solid plus and will sell another 10,000 euros worth of Bitcoin at a price of 120,000 euros. This will give me back my original all-in from 2021, namely €20,000, and I will simply hold the "profit", which is then around 0.2 Bitcoin, for the long term. I also have a savings plan of €2 per day.

I will only make the next sale (after the sale at €120,000) if my Bitcoin position has become so large that I could live well from the "safe return" on the capital market, then I will probably liquidate the position completely. But that is still in the stars.

The money from my first sale went into the $XEON (+0,01 %). It will be parked there until I can buy employee shares next spring. $DG (-0,09 %) next spring. The second tranche will be invested in $JEGP (+0,05 %) and $WEBN (-1,19 %) invested.

Thanks for reading, I look forward to answering comments and questions.

To anticipate one question: I know it's a bit contradictory to sell and have a savings plan running at the same time. However, I would like to get my 20,000 euros from back then back in dry cloths, but at the same time expand my position in the long term with the money I have earned myself. I hope this is understandable.

LG Ape

Depot update after 2 years

Wow, it's been two years since I wrote anything about my portfolio. So I thought I'd give you an interim update and report on what has changed since then.

Spoiler: Not too much. Hehe.

Since I tend to be more of a buy & hold investor, I'm also quite happy that I haven't completely overturned my strategy in the meantime.

Overview of

ETFs

• $VWRL (-0,91 %) & $VWCE (-0,92 %) as usual, because the All-World simply always works 🔥 The accumulator should and will always remain my largest position due to the monthly savings plan (small side note: I would still be missing a backpack or something to match my Vanguard hoodie ☝🏻🌚)
• NEW: $XEON (+0,01 %) : I wasn't in the mood for overnight money hopping and needed something relaxed to park my money in the medium term. This money market ETF is a good solution for me.

Shares

• NEW: Partial sale $NVDA (-3,63 %) : Nvidia somehow got too hot for me in between 💀 So I pulled out and the journey continues
• NEW: Sale $MSFT (-1,57 %) : Since Microsoft is the top position in the All-World anyway, I wanted to reduce the overweight a little and got rid of it. Not because I was no longer convinced.
• The rest still has its place in my portfolio. The number is also sufficient for me to maintain an overview.

Crypto

• $BTC (+0,77 %) & $ETH (+1,86 %) as usual - I'm not the type for other altcoins

Outlook

I don't want to change too much. I'm currently planning an initial investment in $IBE (-0,43 %) as I am convinced by the company. But the share price would have to fall a little for that :) I would then also have a representative of the energy suppliers in my portfolio.

In principle, I would like to add to all my shares when the opportunity arises, but it's not a bad thing if the ETF hangs over it as a giant monster for the time being. For me, my individual shares also largely fulfill the purpose of simply having fun and to learn something.

I had also toyed with the idea of staking Ethereum, but I'm currently leaning more towards switching into Bitcoin at some point. And what about gold? I've hardly looked into it so far. Let me know what you think.

Have a great evening! 😊