Which positions should I continue to build or sell, the crypto positions were blind buys without having a clue. My "plan" would be to use savings plans to increase my position in $IWDA (-1,82 %)
$DAX and $MEUD (-1,62 %) with savings plans. Is it a good idea to delete TR and give the portfolio time? I'm only 4 months in and still learning every day. Would appreciate any answers.

Amundi Stoxx Europe 600 ETF A
Price
Debate sobre MEUD
Puestos
96Can anyone give me any tips
Reallocate gold
We are currently in an uncertain political and economic phase, which is why many investors are currently investing in gold. That is why I am now selling part of my gold holdings $DE000EWG0LD1 (-0,78 %) and will invest it broadly diversified in the stock market ($IWDA (-1,82 %) , $MEUD (-1,62 %) , $EIMI) (-0,02 %) in the stock market.
What is your opinion on this idea?
Selling gold to rebalance? Why not? Selling gold to get a good feeling in an otherwise red portfolio? Probably not.
Doubt about the composition of my asset portfolio
I have a question, do you think it pays to have the $IWDA (-1,82 %) having $CSPX (-2,44 %) , o $MEUD (-1,62 %) and $EIMI (-0,02 %) ?
Good morning community, I'm 23 years old, I've recently started investing and I want to continue consistently.
I hope to improve my portfolio with this community and grow over time!
Thanks for the recommendations, I read them all and analyze and apply them according to my investment profile.

Stoxx 600 vs. S&P 500 2025
ECB - interest rate cut by 25 basis points to 2.5 %. "Monetary policy is becoming noticeably less restrictive." - Lagarde.
BoE - Interest rates are expected to fall by a further 75 basis points to 3.5 % by the end of the year.
Fed - Rate cuts are uncertain as rate chaos looms over the US economy. There may be no cuts this year.
Will European equities outperform US equities overall this year? They have been doing so since the beginning of the year. That would be a remarkable performance.

That's me! 🙋🏽♂️
Hello everyone,
My name is Antonio, I'm almost 27 years old and I'm from Bremen. I currently work as a train manager at Deutsche Bahn. Anyone who knows the job knows that chaos is almost guaranteed here. If a train is on time, everyone wonders what's going wrong. Delays, strikes, unforeseen events - you get used to the fact that nothing goes as expected. And that's exactly how I felt on the stock market: constantly chasing hypes, always on the lookout for quick profits, and in the end I never knew whether the train was still on the right track. I experienced just as much chaos on the markets as I did in my day-to-day work - but fortunately I've learned from it and am now looking for a fresh start where everything is a bit more orderly and predictable.
I've made a lot of mistakes on the stock market in the past. And not too few - unfortunately. Like many of you, I had the idea that the stock market would make me a quick buck. I let myself be led by hypes, trends and the desire for immediate results. I wasn't interested in investing for the long term or building a solid foundation for the future, I was only ever interested in making a quick profit. Leveraged products, knock-out certificates - it was all there. It felt like a casino where the loss was usually the only "win". And so it came as it had to: I not only lost money, but also confidence in my own decisions and the markets.
But today, in 2025, I have realized that it is time for a fresh start. I have learned from my mistakes. It's been a long road and I've thought a lot about why I was so quick to go for the quick buck instead of investing patiently and focusing on long-term success. I learned the lessons I needed to become a better investor. Patience, diversification and a long-term perspective are now my principles. I want to create something tangible, not just a portfolio full of numbers, but also a solid, long-term strategy that will help me to continuously build my wealth.
My portfolio: A solid foundation
The portfolio I have now built up is a mix of different asset classes and asset classes. My aim is to diversify broadly and not miss out on potential growth opportunities, while spreading risk across different sectors and regions. Here is an overview of what my investment strategy looks like:
ETFs (€1000/month)
I have deliberately opted for a broad diversification and invested in different geographical regions and markets. This diversification should ensure that my capital benefits from the markets that have the greatest potential in the coming decades.
- IE00BMTX1Y45 ( $I500) (-2,46 %)
- LU0908500753 ( $MEUD (-1,62 %) )
- IE00BYXVGY31 ( $FUSA (-1,35 %) )
- IE00BD1F4M44 ( $IUVF (-0,62 %) )
- IE00BKM4GZ66 ( $EIMI (-0,02 %) )
- LU1681041973 ( $CD9 (-0,14 %) )
- LU0486851024 ( $D5BL (-0,82 %) )
- IE00BYQCZN58 ( $DXJZ (-3,26 %) )
- IE00BF4RFH31 ( $WSML (-2,79 %) )
- IE00BG0SKF03 ( $5MVL (-0,07 %) )
- IE00B652H904 ( $SEDY (+0,43 %) )
- LU2089238385 ( $PRAJ (-2,8 %) )
- DE000A0H0744 ( $EXXW (-2,59 %) )
- IE00BFXR5W90 ( $LGAG (-2,26 %) )
- LU0779800910 ( $XCHA (-2,51 %) )
- HANetf Future of Defense UCITS ETF ($ASWC (-1,86 %) )
So many ETFs? Does he still have all his wits about him?
Some people will think exactly that when they look at my ETF list. And yes, I admit that the portfolio is pretty broadly based - perhaps too broad for some. But that's exactly my goal. I don't want to catch the one sector or the one region that is going through the roof. I want to have everything! If a market explodes somewhere in the world, then I want to be there. Be it through large caps, small caps, growth, value, technology or emerging markets, my approach is not to miss out on potential opportunities and at the same time not to put all my eggs in one basket. Some call it overdiversification, I call it my personal "all-world approach"
The idea behind the selection of these ETFs is that I want to focus on global markets and growth regions without missing out on important sectors such as technology, healthcare and energy. The USA (with over 55% of my portfolio) remains the central component due to its economic importance and innovative strength. At the same time, I am also focusing on Europe, Asia, China and emerging markets, which are increasingly among the growth markets of the future. Small caps also play a key role for me, as they often have the potential to grow faster and offer opportunities that are often overlooked by the large institutions.
Cryptocurrencies (€100/month in Bitcoin ( $BTC (-3,1 %) ) €50/month in Ethereum ($ETH) (-4,45 %)
I also invest in Bitcoin and Ethereum as I am convinced of the future of these digital currencies. Even if the volatility is high, I see the long-term potential of these technologies. For me, it is an opportunity to participate in the development of a new financial world.
Gold (50 €/month EUWAX Gold ($DE000EWG0LD1 (-0,78 %) )
In uncertain times, I have realized how important it is to have conservative assets such as gold. The last few years of inflation and economic fluctuations have made me realize that gold can have a stabilizing effect, especially in times of crisis.
Individual stocks - My dividend strategy
I have also selected a few individual stocks that should not only offer me security, but also regular income through dividends. The reason for this is simple: I need something tangible, something visible. It's not just the pleasure of seeing the portfolio grow, but also the dividend that gives me the feeling of actively participating in the companies and benefiting from their success.
- 3M Co ($MMM (-2,97 %) )
- Allianz ($ALV (+0,24 %) )
- BioNTech ($BNTX (-2,63 %) )
- Booking Holdings( $BKNG (-4,69 %) )
- Coca-Cola ($KO (-1,93 %) )
- LVMH ($MC (-3,17 %) )
- MSCI Inc ($MSCI (-4,17 %) )
- NextEra Energy($NEE (-2,44 %) )
- Philip Morris ($PM (-1,8 %) )
- Realty Income($O (-1,34 %) )
BioNTech in particular, as a company that has promising potential not only during the pandemic but also beyond, is a long-term winner for me. Likewise NextEra Energy, which plays a key role in the renewable energy sector, and Booking Holdings, which should benefit from the global tourism trend. These companies not only pay dividends, but also show that you can benefit from a company's success with a long-term perspective.
Pension fund
I also invest in the DEVK pension fund (DE000A2PT1X3) through my employer $DE000A2PT1X3 . This fund is particularly important to me because of the generous contributions made by my employer and the solid returns. Even though the costs are somewhat higher, I see it as a long-term addition to my strategy.
Why this portfolio?
I built my portfolio this way because I believe in the potential of long-term global diversification. Rather than chasing short-term gains, I am looking for continuous value growth over many years. I want to support the right companies, benefit from promising markets and at the same time have a regular source of income through dividends.
I am no longer interested in making a quick buck. I have learned that true success in wealth accumulation lies in patience. And that's what it's all about: I want to create a solid foundation for the future - for myself, for my pension and perhaps for a house in a few years' time.
What do you think?
I'm really looking forward to hearing from you. What do you think of my strategy? Do you see any areas where I could diversify even more? Are there any asset classes or ETFs missing from my portfolio that would make sense for me? I am very keen to hear your opinions and advice.
Thank you for taking the time to read my story and strategy! I look forward to your feedback.
Best regards,
Antonio
First of all, individual stocks: you can do that. Personally, I've said goodbye to it, as my selection of individual securities has rather slowed me down. But I can understand the need for control.
Crypto and gold: why not. My weighting is smaller, but it depends on my personal risk affinity. risk affinity.
On the ETFs:
First, the presentation method: Please include the percentage weighting. Then you can better evaluate what you are doing. It would also have been nice if I didn't have to click on each one to see what's behind it.
On diversification, you may have overdone it a bit. While you're probably solidly diversified depending on your weighting, your approach has quite little method in my view. You walked through the supermarket, said please everything once and got 3 different packs of toilet paper, bought peppers and pointed peppers. You should consider whether you could have achieved your goal more easily with an MSCI World and emerging markets and small caps variants. Then you have a few value and dividend etfs, which are probably okay. If you actually had a value tilt in mind. But then, in my opinion, you should rather take value ETFs instead of dividend ETFs, as these are also available as accumulating ETFs. But in neither case are you really more diversified if you have several US big caps ETFs.
Europe is similar. You have the Stoxx Europe and MSCI Europe, a Europe Imi and Europe Value (if I have seen this correctly)
Maybe you could do the same with a
MSCI World, MSCI World Value, MSCI World small caps. If necessary, you can then overweight a region with an additional ETF or 2.
It should be similar with EM.
The advantage: with EM and World you could do without the Pacific and have a similar country diversification.
Heritage
Hello everyone,
I recently inherited a 5-figure sum and don't really know what to do with it.
To me:
I am 20 years old, a student and have had a custody account with Trade Republic for 1.5 years, on which I save €250 a month.
I have a savings plan there:
I also have a small Bitcoin position with Bitvavo.
With the money that I inherited, I would like to do something separately for my retirement provision and have now considered opening another custody account at my bank and splitting this amount, whereby I would then use the custody account at my bank for my retirement provision and simply put the amount in the $VWRL (-2,84 %) and simply put the amount into the
Now I've heard a lot about private unit-linked pension insurance, but I don't know if that's so much better than just opening a custody account with my bank.
How would you go about it?
Do you have any suggestions?
I'm really unsure what I should do.
Thanks in advance 🙂
Just get a second online broker if you want to separate the custody accounts.
My Portfolio
Hello everyone,
First of all, my name is Tiago and I'm from Portugal, so there's a chance I'll have some writing mistakes.
I will share with you my Portfolio and my currently ideas.
So, basically I'm a 22 years old boy that became fascinated by this world of investments in the past year. I've been reading a lot of things about the market and how it works. I consider myself a passive investor with a little affection to risk, so once in a while I might add to my portfolio some "FOMO" and "meme" stocks. My currently portfolio basically consists in some ETFs and 3 single stocks $AMD (-3,04 %)
$NU (-2,75 %)
$TSM (-1,14 %) .
I currently have a monthly savings plan of 450€ consisting in diversified ETFs and some bitcoin:
$VUAG (-2,45 %) 159 € S&P 500 35%
$VWCE (-1,6 %) 135 € FTSE-ALL World 30%
$EIMI (-0,02 %) 45 € Emerging Markets 10%
$MEUD (-1,62 %) 45 € Stoxx 600 Europe 10%
$VAGF (+0,46 %) 22 € Global Bonds 5%
$SGLD (-1,82 %) 22 € Gold 5%
$BTC (-3,1 %) 22 € Bitcoin 5 %
Note: I was reinforcing $XNAS (-1,13 %) until last month but the geopolitical scene changed, and I decided that I should not overlap that much in US. That resulted in me moving that allocation to $MEUD (-1,62 %) .
This portfolio gives me around 53% exposure to US, 19% developed markets, 13% emerging markets, 5% gold, 5% bonds and 5% bitcoin.
I know that the % would almost be the same if I only invested in: $VWCE (-1,6 %) +$VAGF (+0,46 %) +$SGLD (-1,82 %) +$BTC (-3,1 %) but I want to have the power to change the allocations and reinforce wherever I want to.
Since I am betting in the whole market I don't expect huge growth unless I reinforce with some bigger amounts when good "dips" arrive.
I have an emergency fund, but no one knows how we will end up in 5 years... that's why if a crisis arrives, I'll use my gold and bonds as liquidity to either reinforce my etfs or use that money myself.
First of all congrats on starting your investing journey at such a young age. I like your passive approach, but would suggest you to make it more simple. With $VWCE you are basically already investing in $VUAG $EIMI and $MEUD. I think you would be much better off managing less ETF - less moving parts, less headache, easier to stick to your plan. Nonetheless you are on a great path and ahead of 99% of people already. Just keep buying and don't overcomplicate things. Good luck!
I’m looking for an advise
As a new investor I start my journey really late. I’m 43yo and I’m looking to create something in order to have additional income when I will retire.
For that reason, and after many buying/ selling I ended to these etfs:
$SPXS (-2,46 %) - 40% (S&P 500)
$ISAC (-2,9 %) - 20% (MSCI ACWI)
$MEUD (-1,62 %) - 20% (EUROPE STOXX 600)
$VFEG (+0,07 %) - 20% (Emerging Markets)
Can I have your ideas/ thoughts? I want to hold these etfs and dca on them. Thanks for your time.
P.S: The $VUAG (-2,45 %) you see is on different account , savings separately for my kids.
Reduce US share
Dear Community,
Following the events of the last few weeks, I have decided to reduce my US holdings and diversify my ETF portfolio more broadly.
I am currently investing in the $CSPX (-2,44 %) and the $AVWS (-4,38 %) as an admixture. I no longer hold any individual shares.
I also have a savings plan in place $BTC (-3,1 %) and some play money in crypto.
I would like to bring the US share to around the level of a world etf (70.%), so I'm wondering what the smartest approach is.
Option 1: Sell $CSPX (-2,44 %) and buying a world etf like $VWCE (-1,6 %) or $AVWC (-4,22 %)
When selling my s&p etf, taxes would of course be due (currently 25% return). I live in Austria if this is relevant.
Option 2: keep the s&p and buy 1-2 etf in addition e.g. $MEUD (-1,62 %) and $XNKY (-2,41 %) and save. Here I could of course plan the weighting individually, but it is also a bit more time-consuming in terms of rebalancing.
I would appreciate a few opinions, thank you!
You could also invest in gold. Silver. Reduce the overall equity market weighting. Completely. Gold is the new Bitcoin or something. Also has risks, is at the ATH. But so does bitcoin.
My first self-made ETF portfolio (January 1st)
Hi everybody.
I'm building up a portfolio using the approach "#etfsETFs only". I still don't feel confident with single stocks and I don't think stock-picking is the best option for me.
As for now, my asset allocation is the following:
$SPYI (-1,71 %) 28%
$C3M (+0 %) 12%
$MEUD (-1,62 %) 10,7%
$GLDA (-1,83 %) 10,3%
$EIMI (-0,02 %) 9 %
$WITS (-3,7 %) 8,7%
$PHPP (-2,51 %) 4,3%
I'm going to set $SPYI (-1,71 %) +$MEUD (-1,62 %) as my core pf , increasing both sizes until they get to 35% and 20% respectively. I don't like bonds in general, so basically I try to decorrelate making use of gold, precious metals and also monetary funds.
What do you think about the whole thing?