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Portfolio evaluation/opinion needed!

Hello dear community,

I would like to hear your opinion on my portfolio. Criticism, suggestions or even positive feedback - everything is welcome.

I am planning to restructure my portfolio this year.

My aim is to further expand the core and to reduce or completely close some individual positions. Small remaining positions such as $HUT (+1,16 %) Hut 8 (up over 500 %, but only around 10 shares left) I would like to sell completely in the near future. I am also considering closing other individual stocks and reallocating the capital to the core.

Would you say sell the dividend stocks like $O (+0,65 %) , $KO (-0,1 %) and $MAIN (-1,1 %) etc. and invest in $MELI (-1,57 %) , $ISRG (-2,59 %) , $MA (-1,62 %) or e.g. $PANW (-0,63 %) which will most likely perform better over the next few years... ?!

But I would also be open to riskier stocks, so to speak high risk - high reward, which I am now also trying out with $AML (+0,14 %) for example. Bought on Friday... ☺️ (A "gamble")

Currently my core consists of $IWDA (-0,1 %) MSCI World, $EIMI (+1,15 %) MSCI EM IMI and the $TDIV (+0,16 %) VanEck ETF. With the VanEck, however, I am considering whether to keep it or switch to a $CSNDX (-0,18 %) Nasdaq 100 ETF instead - with a view to an investment horizon of around 10 years. During this period, I also plan to buy a house together with my wife. (at least that's the goal).

I also have a larger crypto portfolio, which is not deposited with GetQuin, as it is unfortunately not displayed correctly with Bitvavo here on the site. There is currently significantly more capital in crypto than in ETFs and shares. I entered the crypto market at the beginning of 2023 and had more than doubled my portfolio by the end of 2024: around €75,000 became around €175,000 at times.

However, I only realized a few profits and left the majority invested. In the meantime, the portfolio has shrunk considerably again as 2025 was really shitty for crypto (especially altcoins, of course) and is currently even in the red.

However, I assume that Bitcoin will perform better again this year and reach a new all-time high. If that happens, altcoins should also follow suit, so I hope to see decent gains there again.

Now to my questions for you:

Would you change anything about the ETF core?

$TDIV (+0,16 %) Keep it or rather switch to a Nasdaq-100 ETF? And get more return (boost)?

Which individual stocks would you rather keep and which would you rather sell?

I am 38 years old and my goal is to buy a house in the next 5-10 years.

Thank you very much and I look forward to hearing your opinions!

Greetings Chris

6 Comentarios

The $TDIV would be the last thing I would sell in your portfolio. Without it, your performance would have been weaker. So why?

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Julian@MoneyISnotREAL

Extensive introduction with detailed information about your thoughts.

I would like to share the following points or thoughts with you. I'm asking some questions that I don't need answers to. It is for you as food for thought to question your investment.

1) Buying a house 🏠
If the topic is already so concrete, I would build up reserves in the money market ETF or invest fixed-term deposits. Things often happen faster than expected and if the capital market is in a bad state, ... Buying a house means investing in bricks, i.e. you will probably have to reduce or completely stop your savings rate for the deposit. You may even have to gradually shift the deposit into safe investments in order to have the necessary equity for the house purchase.

2) Reallocation of individual shares 📃 - "gambling"
On what assumption, data, prospects, key figures is your research based that you want to sell some stocks and buy others instead? Gut feeling? Emotions?
$ASML... Gamble or casino? It is only high-risk-high-reward if you fix the risks and rewards in key figures, numbers and data, i.e. think about exit strategies before buying. And why do you expect this with ASML? What data tells you that? All risks are known, by that I don't mean volatility (that is only one of many risks).

For "gambling", I recommend and advise you to have a 2nd securities account. Make a one-off deposit of amount X and gamble with it. If it's gone, you've lost - it's gone. If you win, you can use the winnings to "boost" your retirement savings account. This means you don't run the risk of gambling with money that will set you back years in your wealth accumulation if you lose, but you can still give in to your "urge".

3) Crypto ⚙️
I'm not familiar with this, so I won't comment on it.

4) Core & individual shares 🍎
Do your individual stocks beat your investment in a world ETF?
When I see €685 trading costs alone, ... I would say: shave the portfolio and shift into your selected core ETFs. The €685 corresponds to 1.75% of your portfolio value. This saving alone immediately gives you 1.75% more return without taking on any greater or different risk.
If you would like to familiarize yourself with balance sheets, company structures and their business models, then perhaps choose 5 individual stocks to build up and follow.

5) Nasdaq
I don't think much of the Nasdaq. Concentrated, cluster risk, undiversified.

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Chris@Chriscoin87

@MoneyISnotREAL thank you for your detailed answer and opinion. Great feedback 🙏☺️ a word about the "zock" we are talking about $AML and not $ASML 😄

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Philip Buß@GoldenShield

First of all, thank you for your detailed presentation and also for your openness in addressing massive failures and losses
Overall, I don't think the portfolio is bad, but I think you have a few too many positions
You could integrate the second MSCI World into the first. You could also invest all positions (<1%) closed in one position

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Pezi@Pezi

The question is, do you still have a large cash position? If you're thinking of buying a house, I wouldn't reallocate, but put some of it into low-risk investments.

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Brody@Brody

Without seeing your portfolio, I would have thought that you would be targeting dividend yields on individual stocks. If that's not your goal, it's probably worth going over it with a lawnmower.

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