Next Milestone Reached

On this occasion - a strong last few weeks for my portfolio.

Target 1: €350,000 in 2026

Target 2: €400,000 in 2026

Below is an overview of the savings plans.

(Let's see how long I can maintain them in this form. A few costly events are on the horizon 😌)

$HMWO (+0,31 %) 1.000€

$IUIT (+2,57 %) 1.000€

$TDIV (-0,54 %) 1.000€

$SHL (-0,4 %) 250€

$MUV2 (-0,96 %) 250€

Now my current thoughts - feel free to give your opinions. Maybe they'll help me to sort things out 😉.

1) My portfolio is tech-heavy. As a result, I'm wondering whether now would be the right time to take a few chips off the table.

This means, for example, selling the $XAIX (+4,27 %) and put them in the $TDIV (-0,54 %) for example.

2) $LVMH and $PG (-0,46 %) )

I don't know... I don't see much chance of an improvement in the near future. I'm quite heavily in the red. Would rather put the money in an ETF to reduce the individual share positions. The only question is whether I "speculate" on a bounce and then sell or hold for the long term. Difficult.

3) Savings plan $MUV2 (-0,96 %)

The share cools down a little. Is it possible to cancel the savings plan here in order to do something good for the call money again?

4) $SHL (-0,4 %)

The share is doing... Badly.

Savings plan is running because of an employee program.

It should be checked whether the program pays off at all given the performance.

Thanks for reading 😉

Please feel free to give feedback.

Also on other points that you think need attention.

Have a great weekend!

Valentin H.@valentin28

16H

Very nice savings rate! 😄

•

sebbraun201@sebbraun201

13H

@valentin28 Definitely. 🙂 Was able to keep it up for a long time now - but will probably reduce it a little in the near future to push the overnight money a little.

@sebbraun201 may i ask how you came up with this high savings rate?

••

@valentin28 I earn quite well in my job. I also live in an inherited house.
But I have to say that at the end of the month I end up with +-0 €.
The whole thing is questionable in the long term

capital_sherpa_1795@capital_sherpa_1795

11H

1) makes sense in my opinion, as you are already very tech-heavy due to $IUIT. You can split between $HMWO and $TDIV.
2) also shift into ETFs
3) if you are convinced of the company, you should leave the savings plan running when things "cool down" and not suspend it. If you are no longer convinced, switch to ETF.
Just my personal opinion :)