Hello everyone,

What do you think of the following investment strategy?

Global core (30% portfolio share)

$XDWD (+0,08 %) Xtrackers MSCI World UCITS

Europe share (15% portfolio share)

$SMEA (+1,65 %) iShares Core MSCI Europe ETF

Emerging markets (10% portfolio share)

$XMME (-1,07 %) Xtrackers MSCI Emerging Markets ETF

Distributions (15% of the portfolio)

$TDIV (+0,88 %) VanEck Morningstar DM Dividend Leaders ETF

The remaining 30% consists of 20% individual stocks (old market / tech) and 10% cash reserve.

Strategy: Growth focus with a small dividend component to generate additional capital for new investments, speculation and additional purchases while at the same time realizing the tax-free allowance.

Thanks to the inspiration from @Epi and a few months of reflection, I have built up my individual momentum all-world strategy and would like to refine it further for 2026 over the next few weeks.

Start allocation as of 11.07.2025:

50% ACWI $SPP1 (-0,15 %)

15% Europe$SMEA (+1,65 %)

10% SPYTIPS-Cool S&P500x2 $DBPG (-0,32 %)

10% EM $EIMI (-0,49 %)

10% Gold 2x $LBUL (-0,62 %)

5% Bitcoin $BITC (-2,91 %)

Cash Management

Cash investment: $XEON (+0,01 %)

Basically, I check my positions at the end of the month (30/31/1) using the SMA or SPYTIPPSCooldown (Discord, thanks @SemiGrowth).

50% SPDR MSCI All Country World UCITS ETF EUR Hdg Acc (currency-hedged) $SPP1 (-0,15 %)

• Buy/Sell: SMA200

Currency hedging rule:

• Condition: USD/EUR above SMA200 of the currency pair

Action: Switch to $NTSG (-0,94 %)

15% iShares Core MSCI Europe UCITS ETF $SMEA (+1,65 %)

• Buy/Sell: SMA200

10% SPYTIPS-Cool = S&P 500 2x Leveraged $DBPG (-0,32 %)

Buy conditions (all must be met):

• S&P 500 (SPX) via SMA150
• iShares TIPS Bond ETF (TIP) above SMA200
• At least 15 days since last sell

Sell conditions (one is enough):

• SPX below SMA150 OR
• TIP below SMA200

Waiting period: 15 days after sale before new buy test Review15 days after purchase, then daily

10% iShares Core MSCI EM IMI UCITS ETF $EIMI (-0,49 %)

• Buy/Sell: SMA200

10% Gold 2x Leveraged $LBUL (-0,62 %)

• Buy/Sell: SMA200

5% CoinShares Physical Bitcoin ETP $BITC (-2,91 %)

• Buy/Sell: SMA150

Cash Management

Cash investment: $XEON (+0,01 %)

Sounds like a bit of effort at first, in fact I currently need max. 10 minutes a month for the audit itself.

Bitcoin left here at the beginning of December. I am currently invested in the rest. Due to the fact that silver (as a momentum commodity) convinced me in conjunction with @Multibagger (thank you), I added two shares on 23.10.25 and a further two shares on 22.12.25

WisdomTree Silver 3x Daily Leveraged $3LSI were added to my portfolio. The purchase was FOMO, yes of course, emotion, yes too. I'm being completely honest with you here. However, I am more interested in finding a solution for implementing certain assets in my strategy in a certain percentage (up to max. 5%) depending on momentum and risk. (A rotational modification of the 3xGTAA)

For silver $3LSI I currently follow the following trading principle:

• Test every Friday: SMA200
• SMA200 rises visibly
• Stop/Limit set

@Epi
@Multibagger
@Tenbagger2024 and of course all others too!

(1.) For silver (3x) I would like your advice on which stop/limit or which trailing stop might be a good fit.

(2.) Gold (2x) currently stands at +62.66% for approx. 40% of my profits. Now the question arises for me: Is a simple monthly check still sufficient in my momentum strategy or should I use an additional stop/limit/trailing stop to limit the downside in addition to rebalancing?

(3.) I can invest the same amount of money in the portfolio again today, i.e. double the investment amount. How would you proceed here? Invest the full amount directly and carry out the rebalancing?

(4.) With the 50% SPDR MSCI All Country World UCITS ETF EUR Hdg Acc (currency-hedged) $SPP1 (-0,15 %) I am currently considering whether the Amundi MSCI World (2x) Leveraged UCITS ETF Acc $LVWC (+0,15 %) might be a (better) fit for this strategy. I am aware of the increase in risk and a tightening of the rules for this position would be necessary. Due to the tendency for the USD to weaken next year as well, I am torn as to which makes more sense.

Adjustments for 2026 that are currently on my plan:

• [ ] Refine exit strategy for leveraged commodities/products
• [ ] First pool for rotation conversion for the 5% position (silver, bitcoin, etc...)
• [ ] S&P500 (2x) - increase SPYTIPPS-Cool in the allocation to 20% (+10%) and reduce the ACWI by 10%. I deliberately wanted to start with a lower level in the SPYTIPPS-Cool in the first year.
• [ ] ACWI position determination of which product(s) to continue investing in.

Finally: The portfolio itself stands at +17.38% from 11.07.25 to 31.12.2025.

Getquin gives me the following additional parameters:

Internal rate of return: 37.05

True time-weighted rate of return: 16.54 %

PS: THANK YOU ALL for your active participation! And a happy new year!

What I had planned to do:

• ETF ->

Besides the $VWCE (-0,14 %) which is my largest position in the portfolio so far, the ETF's $SMEA (+1,65 %) & $AEJ (-1,12 %) with a higher savings rate.

This approach is going according to plan. Due to a significantly higher salary as a result of completing my training, I am only changing the size of the savings plan here.

I just want to achieve the same buy-in here. However, to be honest, this is only for an optical reason.

• Individual shares ->

Some shares have clearly exceeded the 10% limit.

• $AAPL (-1,11 %)

I have been saving large amounts of money in the stock itself since November 24. At least until I started thinking about portfolio management and investment strategies.

As a result, Apple was the top position in my portfolio during the slump.

It is now in second place with 20% of the portfolio. But that doesn't look so good due to the red figures.

I have set up a savings plan for this, which I pay into weekly with a small amount.

The aim is to reduce my buy-in and this has worked well so far, from over 12% down to 8% down.

• $DTE (+4,29 %)

The share has been in my portfolio for some time, but has been in the red for a long time.

I had decided to $MSFT (+0,47 %) & $SIE (+0,94 %) to sell. Both shares have generated good returns and I have been happy with them so far. So I thought "why not?".

I reinvested this money and wanted to reduce my buy-in of the Telekom share. Let's see how that goes.

I don't have much to say about the rest of the individual stocks. You can take a look at the portfolio yourself and ask any questions you may have.

• Addition

Just a few months ago, I decided to split my salary at the end of the month on a percentage basis. This means that part of it goes into the custody account, part into the vacation account and part into the reserve account.

As I said, I was never taught how to handle money. This approach didn't work out at all.

Money came in -> money was divided up -> I ran out of money -> money was transferred back.

That sucks.

The only thing I never touch is the deposit. The custody account reminds me to grow financially and what my actual goals are. In addition, there are fees when selling, or the red numbers of the course: "if I sell now I have the amount "XY" REALLY made a loss.

Hence the attempt:

To put the portion of my vacation money into the Gerd Kommer ETF every month. $GERD (-0,05 %) every month.

If the money is invested. I can't blow it. Even if the attempt fails and I go down 10%. In the end, it's still more than nothing.

In an emergency, I can also sell a single share and buy or sell it afterwards at a good price. If the timing is bad for a partial sale.

Overall, I can't get rid of the feeling that I should at least give it a try. I've been thinking about it for a while now.

I'm just still unsure whether the accumulating ETF was the wiser decision.

Thanks for reading and for your attention :)

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (+0,86 %) Deka DividenenStrategie - €100 per month.
• $CSPX (-0,3 %) Ishares S&P 500 - 50 €/month
• $VWCE (-0,14 %) Vanduard FTSE All World - 50 €/month
• $BRK.B (+0,8 %) Berkshire Hathaway B - €50/month
• $SMEA (+1,65 %) Ishares MSCI Europe 50 €/month
• $VHYL (+0,7 %) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (+2,56 %) , $AMZN (+0,28 %) , $AAPL (-1,11 %) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (-0,49 %) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (+0,03 %) buy.

Should be removed from the portfolio:

• $TGT (+1,15 %) Target
• $NKE (+1,39 %) Nike
• $D6RF (-0,02 %) Deka Umweltinvest
• $DEDG (-0,81 %) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.

First of all, my situation:

I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.

I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.

I follow the following strategy: Buy & Hold

What do I invest in each month?

• $IWDA (+0,05 %) 234€ per month
• $EIMI (-0,49 %) 90€ monthly
• $SMEA (+1,65 %) 70€ monthly
• $EWG2 (+0,17 %) 65€ monthly
• $BTC (+0,03 %) : 42€

I also save through VL benefits:

• $VHYG (+0,18 %) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (+0,88 %) .

This brings me to a total of €536. A crooked figure, that's true, but it works best for me.

The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.

My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.

I'd be interested to hear your opinion on this in the comments!

Hi, since I find it really interesting to look at other portfolios, I thought I'd share mine as well.

My story: I'm 20 years old, started a savings plan on an ETF for the first time in November 2024 and then decided to invest in cryptos for a short time. I was never really taught how to handle money. For the first 2 years of my training, I had my account in the red for all sorts of shit. Thanks to a second job, I was able to afford a savings plan with ETFs and individual shares worth €600 for a few months as an apprentice. Now that this is no longer the case, I've made the decision to invest in ETFs and (in my opinion) expensive shares such as $SIE (+0,94 %) or $MSFT (+0,47 %) to save.

I buy everything else when the price drops and have a good feeling about it for the time being.

I always have this "Mr. Market" example from Warren Buffet in the back of my mind.

In addition, I had considered setting a limit of 10% per individual share in the portfolio to reduce the risk of extremely falling prices.

This $VWCE (-0,14 %) was my first savings plan and I'm actually really happy with it so far, except that with a 60% share from the USA, it has given me a bit of a stomach ache over the last few months.

However, because my entire portfolio consisted of American shares. I was able to learn relatively quickly that you should diversify your portfolio across more continents.

In the end, I opted for $SMEA (+1,65 %) and $AEJ (-1,12 %) in the end.

Over the next few months, I will be saving in both with a higher savings rate than the $VWCE (-0,14 %) to balance out all 3 in percentage terms.

At the end of the love story, I would say that I got off lightly with a 3% loss.

What do you think? I'm really looking forward to hearing the different opinions.

I want to make myself less dependent on the USA, so I'm giving Europe a try.