Hello dear getquin community,

I hope you all had a good start into the new year 🎉

I've been here on getquin for about a year and originally used the app to get a better overview of my portfolio.

Over time, however, I've started to read a lot of different opinions, take them on board and learn a lot in the process. First of all, thank you for the great analyses and the work that some people do here.

Briefly about me:

I'm 34 years old, an industrial engineer (current salary 3.8k net/month) and have unfortunately only been investing for around five years (started at €0).

My current monthly savings rate is €1,100, which is likely to increase as my salary rises.

I started out with a classic 70/30 ETF portfolio, but over time I have moved more and more towards a core-satellite approach.

My portfolio is currently made up as follows:

approx. 60 % ETFs

approx. 15 % individual stocks

approx. 5 % crypto

approx. 20 % cash (also my nest egg)

In terms of individual shares, my original plan was to invest exclusively in European blue chip stocks - mainly for diversification and to gain experience.

However, thanks to the input from the community, I am now prepared to increase my risk appetite and invest specifically in strong growth stocks with the aim of outperforming the indices.

I am currently running savings plans on $RKLB (+1,69 %) , $IREN (+1,84 %) and $EUR (-3,4 %) each with a total of €100 per month. I would like to run these up to €1000 per share. There is also a savings plan for $BTC (-0,03 %) of 100€/month.

The ETFs continue to form the core of my portfolio and are saved with € 660 per month (65 % World / 25 % Emerging Markets / 10 % Small Caps).

My long-term goal is to build up my retirement provision.

I would like to reach € 100,000 in the next two years if possible.

My long-term goal is to reach €1,000,000 by the age of 60 at the latest - ideally sooner, of course.

At the same time, there could be major expenses in the coming years, such as a wedding, house building or children, so I may have to withdraw capital from the portfolio.

1. I would be very interested in your opinion on my portfolio, the allocation and my strategy.

2. I am interested in how you deal with the issue of home ownership. Rationally speaking, I would actually have to liquidate the entire portfolio, right?

3. I'm thinking about combining my girlfriend's and my portfolios as soon as we get married. Do you have any tips on this? Just keep the different ETFs running or tidy them up once?

Thank you in advance for your feedback! I wish you a good start to 2026.

$EUR (-3,4 %)

The events of the last few days have really shaken up the share price. How do you see the chances there?

$EUR (-3,4 %) 🚀 I'm really excited to see if anything else works.

$EUR (-3,4 %) has just experienced a small share price explosion, and the company has also announced that it is carrying out a share buyback. The reason for this is the current allegedly significantly undervalued share price. What are your thoughts on this?

$EUR (-3,4 %)

In my opinion, a share with high risk but also with great potential.

$EUR (-3,4 %) has announced to buy back 100,000,000 shares, this is a good sign in my eyes. If EUR really gets all the permits for mining here, I see a good return coming 😎

Cool company

Really cool, headquarters is just 20km away from me.