As a non-premium member for several years and a profile stalker from the very beginning, I remember a post with the aim of receiving individual and high-quality feedback on your portfolio if you stick to a few basic steps. Now I think it's time for me to put this into practice.

The idea for this approach came from some jackass (@DonkeyInvestor ) who has been hanging around here for ages. Imitation clearly recommended 😉. Here we go:

Investment horizon and goal

I am currently 34 years old, a house builder and father of two. My investment horizon is therefore long. I would even say that there is no time limit for me, as I now enjoy investing money and I always try to put more or less into my portfolio depending on the situation.

My goal is to make the remaining payment on the house in 16 years and build up a good cushion until I retire so that I can continue to live sensibly, continue to invest and bequeath a little.

Strategy and reason for the securities in the portfolio

The strategy can be described as a classic, equity-based core-satellite strategy, whereby my satellites are mainly dividend stocks. These are selected stocks that represent a low risk for me and should bring me a little cash flow every month as an addition to the monthly savings installment in the core ETF. (Good ideas for the stocks can be found at @Simpson or @GoDividend 🙂)

All stocks are capped at €1000, which means that each dividend stock is saved with a savings plan/one-off payments up to a maximum of €1000. After that, a new one moves in. Securities that are down more than 30% after 1-2 years are sold. If a stock doubles in value, the stake is taken out and reinvested in the core. The whole thing is perhaps not absolutely necessary, but I personally don't enjoy it that much without individual securities and I allow myself a little bit of playing around.

The core currently consists of the $VWRL (+0,13 %) for well-known reasons. The overall market is performing continuously and upwards in the long term. Simple and straightforward and a good anchor for me, even if the USA is overweight. It doesn't matter to me and, like so many things, is only a temporary phenomenon.

With $NU (+0 %)
$IREN (+10,84 %)
$SOFI (-1,01 %) and $LMND (-0,58 %) the portfolio contains higher-risk stocks that I hope will generate above-average returns in the longer term and the proceeds can be reallocated to the core. In other words, gambling stocks as potential boosters for the core. As I have less time for research myself, I am very grateful for the valuable contributions on the stocks from @Multibagger
@BamBamInvest
@Tenbagger2024
@Derspekulant1 very grateful.

As a diversification to all this $EWG2 (-0,33 %) and $BTC (-0,18 %) / $XRP (-0,72 %) / $ADA (-0,58 %) other asset classes are included in small proportions for pure diversification and as a momentum booster for the portfolio. After all, you have to be a little bit prepared for everything in order to profit. $XRP (-0,72 %) and $ADA (-0,58 %) will be shifted into BTC in the long term, as I have less confidence in the long-term stability and performance here. $EWG2 (-0,33 %) is chosen out of convenience (thanks to a great post on gold from @InvestmentPapa) as I have no desire to buy physical gold anywhere, nor do I want to have to store it in a high-security wing. The cost of a quality safe alone is worth the spread in my opinion.

Plan for expanding the portfolio

The ETF is mainly built up with 80% of my savings rate, 20% flows into the individual stocks. As mentioned above, profits are realized from time to time and added to the core, as a kind of booster.

Gold is saved selectively at favorable times. Nothing is currently invested in crypto, at most at a favorable time via one-off payments in BTC.

No-go in the custody account

Actually bonds. I like to diversify, but they're just too boring and tedious for me. And I honestly have no idea what criteria are used to select them and what returns can be expected. I also don't think much of leveraged shares or ETFs. That's too much risk for me with my private background.

So now I'm looking forward to your opinions, criticism and suggestions!

Credit Scene

I would like to say a big thank you to the community, which helps me make progress here every day. Be it informative, funny or full of ideas. I have read so many posts here with interesting investment ideas, benefited from high-quality stock presentations, seen calculations for profit maximization or tax advantages and learned about strategies from which I could learn. I was able to pick a piece of every pie and make my own.

Alone it is hard, together it is so much easier. Thank you very much!

I expect to receive around €3,000 in dividends this year, i.e. an average of €250 per month. 🎉

And my goal is clear: don't leave it lying around, reinvest it straight away.

But now I'm asking myself: what's the best strategy here?

How do you do it with your dividends?

Options I am considering:

A fixed ETF just for reinvesting, e.g. a dividend ETF or world ETF - and put everything in there every month, e.g $VWRL (+0,13 %) or $VWCE (-0,07 %)
Adjust flexibly every month and invest in a dividend stock (king or aristocrat) in which I see the best opportunity at the moment, this month it was the $ALV (-0,17 %)
Collect and invest 1x/year (e.g. at the end of the year / on a dip)

I've started doing it this way now:

👉 Every month check what's coming in in dividends and then set up a savings plan for the middle of the month.

I've started with Allianz as a test - but I'm not sure whether that makes sense or whether I'd be better off putting it consistently into a dividend ETF, such as $TDIV (+0,48 %)

I'm also considering starting a separate ETF for this so that I can track it closely:

What have my reinvested dividends really brought me? (I find this quite motivating from a purely psychological point of view 😄) but I would actually rather reduce my positions than build up more.

How do you do that?

• Do you have a "reinvest ETF"?
• Do you invest on a monthly basis or rather bundle them?
• Do you prefer dividend ETFs, shares, world ETFs or simply buying into the strongest positions?

Looking forward to your tips & experiences! 🙏

Return money from the electricity provider directly to the deposit 😄😄

What weighting do you give a world ETF such as : $VWRL (+0,13 %) ??

Another strong year with a lot of profit. After a return of around 40% in 2024, I was able to achieve another strong return of 26% in 2025. I was able to realize a large part of the profit with my two Tenbagger shares $RGTI (+3,03 %) and $PLTR (-3,21 %) but the rest also performed quite well.

Due to the high gains in the two individual stocks, the weighting in my portfolio shifted massively and I took this as an opportunity to really tidy things up.

Portfolio realignment 2026

I would like to share the strategy I am pursuing with you. I have not yet reached the desired weighting, but I am slowly getting closer again.

The strategy is based on 3 different pillars and looks as follows:

CORE: ALL WORLD AND SWITZERLAND(40%)

The core consists of the broadly diversified world ETF $VWRL (+0,13 %) (approx. 30%) and with approx. 10% $CHSPI (-0,06 %) as an overweight of the home market

GROWTH AND QUALITY (35%)

The second part consists of some quality stocks with solid growth or dividends such as $SREN (-0,71 %)
$ROG (+0,78 %)
$BION (-1,33 %)
$MSFT (+0,77 %)
$SIE (+0,31 %) and the two trend tech ETFs $SMH (+1,29 %)
$XAIX (-0,3 %)

TENBAGGER SATS (20%)

Here I look for promising companies that have the potential to multiply and invest small amounts (currently max. CHF 1000). This is of course a high-risk investment, but I try to outperform with these stocks. By selling some of my tenbaggers, I was able to add new candidates to my portfolio.

These are all my potential price rockets:

$PLTR (-3,21 %) : my first Tenbagger. Here I have already realized around ten times my investment through partial sales. The rest will remain in the long term.

$RGTI (+3,03 %) : my second Tenbagger. I have realized approx. 8.5 times the stake through partial sales. The remainder is also left lying around.

$TER (+0,09 %) Chip testing, benefits massively from the AI chip boom.

$CELH Fitness energy drinks with strong growth and expansion into the mass market.

$CRSP (-1,48 %) Gene editing with huge health potential.

$MIPS (-0,35 %) : Safety systems for helmets. The technology is licensed to numerous helmet manufacturers in the sports and industrial sectors.

$RKLB (+7,74 %) : Rocket launches and satellites and established SpaceX chaser.

$JOBY Pioneer in urban mobility with air cabs and vertical take-offs.

$NU (+0 %) Digital neobank with enormous scaling potential in underserved markets such as Brazil, Mexico, etc.

$RBRK (-1,68 %) Cybersecurity

$IONQ (+5,44 %) Quantum computing. Highly speculative moonshot potential for computing power beyond classical computers.

I also hold approx. 5% in Bitcoin

A brief look back:

I started investing 5 years ago (still 23 years young at the time).

At the time, I was still in the final stages of my dual studies when Corona suddenly hit.

My original plan to buy my own car was quickly changed to a loan-financed purchase.

The 17k that became available went public in April 2020. Looking back, there was probably no better time.

First learning:

The father of my current fiancée advised me to invest in 50% Msci World $IWDA (+0,02 %) and 50% Dax $DBXD (+0,21 %) to invest. This in the form of two ETFs.

Without any knowledge of the stock market, I went to my bank (Sparkasse) and told the advisor that I would like to invest in the two ETFs mentioned and open a custody account for them.

I was presented with two funds. Deka Champions and DWS Dax or something like that.

When I asked her that these were not ETFs but funds, she simply said that the benchmark was the same and that the nice saleswoman would also invest in the products mentioned.

So 10k was invested. The 3% and 4% issue and sales charges were thus paid.

Later, after I got to grips with the stock market, these were liquidated and I switched to Smart Broker for individual shares and Trade Republic for ETFs.

2nd learning what goes up can also go down:

One of my first stocks was $KO (-0,16 %) and $ALV (-0,17 %) the good $ETSY (-2,85 %) . EK was 53€ and about 1.5k was invested.

Etsy went up to 110€ and I made my first 50% partial sale ever. Etsy rose to 240€ and nothing was done on my part. Etsy sinks to 90€ and I got back in with the partial sale. Etsy was finally sold completely at 70€.

My first learning on individual stocks was followed by the second. FOMO:

Cannabis = Bevcanna Enterprise 1.5k invested 99% loss

Independent mining corp. = 1k invested sold with 60% loss.

Today I am very thankful that I only paid 2k in tuition fees. I seriously believe that it saved me from bigger losses in the following years.

3rd learning:

An investment in a pure ETF $VWRL (+0,13 %) from the beginning would have given me almost 15k more return by 2024.

I spent 2022 to 2024 reducing a difference of almost 20k, from mistakes made in 2020 and 2021, to my what if portfolio (ETF only). In 2025, however, I settled the amount for the first time to now plus minus zero through my portfolio outperformance.

4th learning:

In all this time, I have been studying the stock market in depth. I don't think I would have gone long with a pure ETF. All the non-fiction books, conferences, streams and videos have also given me a more comprehensive understanding of world events beyond the stock market. I have also made a noticeable change on the subject of money. And no, I don't turn over every penny. My savings ratio is 50% consumption / vacation and 50% retirement provision.

My latest learning:

Being debt free at 29 and having 100k gives you peace of mind. You shouldn't live your 20s in complete consumption, but you shouldn't oversleep either. My trips around the world to Asia, Central America, Europe and Africa, some with friends, some with family, have brought me more than just money.

But everyone is different. I am happy to have taken the middle path.

I have now increased my initial savings rate of €400 per month to €840. However, the €800 for vacations and consumption are just as important to me.

Thoughts on my current portfolio:

Trade Republic:

About the ETFs $IWDA (+0,02 %)
$EIMI (-0,61 %) and $XSX6 (+0,33 %) I don't have to say anything. This is my core investment.

$SGBS (-0,35 %) and $GDXJ (+0,78 %) are my way of diversifying with gold. When I added gold to my savings plan on December 31, 2024, both positions almost automatically reached the 5% weighting.

What is new $VNA (-0,45 %) . I selected these at the end of 2025 together with $O (+1,55 %) for my 10% weighting in the real estate sector. For me, Vonovia is wrongly valued too much as an interest rate bet. Fundamentally, there is a lot right with the exception of the debt. I hope for a nice turnaround and even if not just under 6% dividends are very attractive.

As my individual stocks have performed very strongly, my allocation has become unbalanced. The goal is 50% ETFs, gold, real estate, cash and 50% individual stocks.

I won't say anything about my individual shares so as not to prolong the article too much.

Except:

$ALV (-0,17 %)
$BATS (+0,35 %)
$SHEL (+1,24 %)
$GOOGL (-0,71 %) are long-term stocks

$AAPL (-0,88 %)
$BABA (-3,12 %)
$1211 (-1,08 %)
$EUZ (+2,85 %)
$AXON (+0,04 %) medium-term

$OXY (-1,21 %)
$ARM (+0,66 %)
$UNH (-2,19 %) short term bets

and unfortunately I can't get the tracking 100% correct. Getquin crashed in March, which is why only Trade Republic is displayed as the previous value and Smart Broker as the capital invested in March / April.

In addition, due to the change of custody account Sparkasse -> Smart Broker -> Smart Broker plus -> Trade Republic (Etfs sorted out) I had no power to enter everything since 2020

Sooooo it's time for another portfolio update.

Over the last few years, I have noticed that my long therm target of 20% pa is becoming increasingly difficult to achieve as the size of my portfolio increases, because more and more money is flowing into "safe" ETFs. Nevertheless, with my top picks 2025 $RKLB (+7,74 %)
$KSB (+0,25 %)
$NU (+0 %) and $GOOGL (-0,71 %) very satisfied. However, all 4 are at ATH or just below, which could make things a bit volatile in the short term. Nevertheless, I assume that all 4 will be higher at the end of the year than they are now.

My aim this year is to increase my exposure to small/mid caps. I already made a start last year, $KSB (+0,25 %) has already done quite well, stocks like $P4O (+0,49 %)
$GFT (-0,6 %)
$SBMO (+2,2 %) and $OSIS (+0,4 %) are to be held, but no major additional purchases are planned there for the time being.

The downward positions in Samsung are all part of my 212 trading pies, divided into 3 different pies. Since mid-August, the pies have gained 21.6%. Meanwhile the total value of my 212 investments is 9600€. These are saved monthly with a total of €500 plus one-off payments from time to time.

Apart from that, there are only 2 three-month savings plans with 1.5k each on the $VWRL (+0,13 %) and $TDIV (+0,48 %)

In addition, there are still around 60k in various orders, but these are all turnaround bets with short-term targets of between 8% and 12%

In the long term, I will keep my eyes and ears open to find new pearls.

There was another special moment at the end of the year: my daughter - 2 years old in March - received her last dividend from 2025. 🥰

On 31.12. she received the distribution from the FTSE All-World ($VWRL (+0,13 %)).

💵 0.46 per share for a total of 100.01 shares

Not a huge sum, but another small building block on a hopefully very long road. 💸🌍

What fascinates me again and again: While she is just learning to speak new words, her money is already working for her. 🤯⏳ Time, patience and compound interest are simply a powerful team. And with minimal effort. Every dividend is like a small proof that long-term investing makes sense even on a small scale and for the little ones. 📊🌱

The goal is clear: no short-term gambling, but wealth accumulation over decades. So that she has options later on - whether it's education, travel or simply financial freedom. 💭✨

2025 is now complete ✅

2026 can come - with savings plans, peace of mind and plenty of time 🧘‍♂️📆

#etfs

#dividend

#finanzbildung

#juniordepot

#zinseszins

#vermögensaufbau

Hello dear getquin community 😊

Before I start with my review of 2025, I wanted to check in with you briefly.

I was almost completely inactive here last month. No posts, no replies, at most a 👍 and a quick skim of the content. That was simply all I could do.

The main reason was clearly time. Family comes before ❤️ and anyone who has a family knows how quickly their own resources are used up. Then there was a health incident in the family, which automatically shifted my priorities. My focus was clearly elsewhere: support, be there, help.

Another point is the issue of appreciation within the community. @Multibagger , @Tenbagger2024 and I have already discussed this recently. Many people give a lot here, investing time and energy, while real feedback, recognition and cooperation are often lacking. I would also like to see more impetus, incentives and rewards from the admin side to make commitment worthwhile. As long as there is little movement here, I will deliberately remain a little more reserved.

What many people may not know: This account is not just about me. My husband and I take care of it together 👨‍👩‍👧‍👦 He contributes a lot of work, time and knowledge, but deliberately wishes to remain anonymous. A lot of joint work goes into more complex research such as cybersecurity or batteries as an energy source. In the near future, he will support me a little more in the background, sometimes also on my behalf.

It was important for me to say that openly. The community here still means a lot to me 🤍 even if I can't always be as present as I would like to be.

Review of the year 2025 📊

I started in April 2025, very classically with ETFs. MSCI World, MSCI Emerging Markets IMI, MSCI World Small Cap and Euro Stoxx 50. A solid start to get started.

However, the market movements and general uncertainty quickly made me want to understand more. Not just to save passively, but to make my own decisions. So I started to take a closer look at companies, business models, key figures and earnings and gradually switched to stock picking.

As is so often the case, then came the learning phase 😅

At times I had over 100 positions in my portfolio. Far too many. Too confusing. Too little focus. The consequence was clear: radically reduce, even with losses, to bring structure and calm to the portfolio.

Today I have just over 50 positions and my goal is 40, which makes me feel much calmer and clearer in my head.

Current structure:

Core 61 %

Satellites 17 %

Commodities 10%

Crypto 10 %

High risk 2 %

Regions:

USA 46.5 %

Europe 25.6 %

Asia 16.3 %

Canada and Australia 7%

Crypto consists only of Bitcoin and Ethereum 4.6%

The getquin figures show a clear outperformance compared to the S&P 500 and DAX.

Honestly: This presentation feels too optimistic to me. That's why I show here my own figures, my real development and my learnings.

Top winners 2025 🏆

$IREN (+10,84 %) Iris Energy +113 % (~€ 420)

$GOOGL (-0,71 %) Alphabet +63.5 % (~€380)

$PNG (+0 %) Kraken Robotics +78 % (~€195)

$ASML (+2,2 %) ASML +35 % (~€110)

Losers and learning decisions 📉

$DRO (+7,43 %) DroneShield with a return of around -500 %. The position was very small, the absolute loss was around €60 with a stake of around €80-85. Extreme in percentage terms, easily manageable in real terms.

$1211 (-1,08 %) I sold BYD, although I still see the company as a strong player in the field of electromobility. The automotive sector, especially in China, is extremely competitive, the pressure on margins is high and there is hardly any real moat. In addition, there was a stock split and a lot of unrest surrounding the share. My priorities have shifted and the loss was around €50.

$AMT (+1,17 %) I sold American Tower because the company is too complex for my approach, offers little growth potential and hardly delivers any returns. It simply no longer fitted my strategy.

$1810 (-2,47 %) I sold Xiaomi based on the opinions of several China experts. One expert said very directly that he had been involved with China for years and had never made any sustainable money with Xiaomi. That was the decisive factor for me. The position was very small and a clear learning decision.

The bottom line 💡

Capital invested: approx. 12.000 €

Realized profits 2025: approx. 1.560 €

Return: approx. 13 % over about 8-9 months.

Some of the gains were deliberately realized in order to reduce the tax-free allowance for me and my husband. and my husband. This was a strategic decision at the end of the year. I let small profits run their course and closed larger positions with the plan to rebuild high-quality stocks later in a structured manner.

This puts me around 5 percentage points above the $IWDA (+0,02 %)
or $VWRL (+0,13 %) . For my first year on the stock market, I am more than satisfied 😊

Conclusion and outlook for 2026 🚀

2025 wasn't a perfect year, but it was extremely instructive. I made mistakes, learned from them and set up my portfolio in a much more structured way. I now know better what I hold and why.

I want to sharpen my focus further for 2026. Less breadth, more conviction. More time for individual companies, less actionism.

Focus 2026: these companies are at the forefront of my mind 👀

I want to sharpen my focus for 2026. Less breadth, more conviction. I am selectively expanding some positions and keeping a very close eye on others for possible entries.

$INOD (+6,69 %)
InnoData

Remains one of my clear favorites. The company is located at a crucial point in the AI value chain: data preparation, data structuring and quality assurance. Exactly where many AI projects fail or become expensive. InnoData doesn't benefit from the AI hype, but from the fact that AI simply doesn't work without clean data.

$FEIM (+1,2 %)
Frequency Electronics

Frequency Electronics is highly specialized in extremely precise time and frequency systems. This technology is critical for satellites, space, defense and modern communication systems. The barriers to entry are enormous, the development cycles long and the know-how almost irreplaceable. This is precisely what creates a strong moat. Once you are qualified, you usually remain so for years.

$HY9H (-0,33 %)
SK Hynix

SK Hynix is one of the key beneficiaries of the global AI infrastructure. Memory is currently one of the biggest bottlenecks in data centers. SK Hynix has positioned itself early and consistently and holds a very large share of the storage solutions currently most in demand. While others have to catch up, SK Hynix is already at the table. For me, this is a structural winner for the next few years.

$VST (-7,33 %)
Vistra

An energy supplier that is benefiting greatly from the rising demand for electricity. Data centers, AI applications and cloud infrastructure require enormous amounts of energy. Vistra is positioned precisely where this demand arises. Not a classic tech value, but an elementary building block of AI development.

Watchlist: possible candidates 🔍

$DSY (-0,35 %)
Dassault Systèmes

The topic of digital twins is currently becoming increasingly important. Industry, automotive, manufacturing and infrastructure are increasingly being digitally mapped, simulated and optimized. This narrative is attracting additional attention due to the fact that $NVDA (-0,39 %)
NVIDIA and $SIE (+0,31 %)
Siemens have entered into a partnership in the field of digital twins. When two such heavyweights focus specifically on this topic, it shows the strategic relevance that digital twins will have in the future. Companies whose core competence lies precisely in this area will benefit in particular. Dassault Systèmes has been deeply integrated into industrial processes here for years and, for me, is one of the clear beneficiaries of this trend.

$6506 (+2,43 %)
Yaskawa Electric

Yaskawa is a key player in the field of robotics, automation and drive technology. I find the growth potential in industrial automation and logistics particularly exciting. Rising labor costs, a shortage of skilled workers and pressure for efficiency are driving precisely these solutions. Yaskawa is benefiting directly from this trend.

$9880 (+2,79 %)
UBTECH Robotics

A Chinese company in the field of humanoid robotics. Technologically very advanced, with a strong focus on industrial and service-oriented applications. Still clearly high risk, but one of the most exciting companies when humanoid robotics makes the step from the laboratory to reality.

$PATH (-3,06 %)
UiPath

A potential comeback story for me. UiPath develops software agents and automation solutions that companies use to make processes more efficient. The customer base is large and the product is mature. If the topic of agents and AI automation comes back into focus, I see significant potential here.

$BC8 (+2,96 %)
Bechtle

A German IT service provider with substance. Bechtle benefits from digitalization, cloud conversions and increasingly also from AI projects in the SME sector. No hype, but a reliable beneficiary of long-term IT investments.

Finally, I would like to wish you all the best for the new year good health, happiness in love and good luck with your investments 🍀📈

And now I'm looking forward to your feedback 😊