What do you think about the $KLAR share?

They are currently making losses. Personally, I often use Klarna to pay when it's offered online. Of course, there is a lot of competition like $PYPL (+0,02 %) .

The IPO has been postponed again and again. Now the shares are also available from my broker.

Should I wait and see which way the price moves, or should I go in with a small tranche?

Hello everyone,

I have already built up a small portfolio (see below), which is currently quite US and tech-heavy.

My current positions:

• iShares Core S&P 500 ETF $CSPX (+0,08 %)
• 
  Nu Holdings $NU (+0,49 %)
• 
  PayPal $PYPL (+0,02 %)
• 
  Kaspa $KAS (-4,65 %)
• 
  Bitcoin $BTC (-1,44 %)

I save the remaining positions for my little sister.

I can invest around €1,200 per month (I'm looking for 2-3 shares for this) and I'd also like to put another €2,000-3,000 into Bitcoin in the bear market.

For the savings plan, however, I am specifically looking for stocks outside the USA and without a tech focus.

Questions for you:

• Which 2-3 non-US stocks do you currently find exciting and would you recommend I take a closer look at?

I would be delighted if you could share a few ideas so that I can expand my watchlist and diversify my portfolio.

Thanks in advance!

New positions:

$PYPL (+0,02 %)

Focus H2 2025:

$PYPL (+0,02 %) Expand position (Equal with the $SOFI (+1,99 %) investment)

$ASML (+1,93 %) Expand position to €10k invested capital

Reinvest dividends accordingly.

Focus H1 2026:

Expansion of the remaining positions and entry into $BMNR (-2,35 %) (earlier if necessary).

Watchlist:

$BMNR (-2,35 %)

What do you think?

After holding the stock for over 3 years, I have now sold my first ever share.

I got carried away by the hype back then. But that's probably just as much a part of investing.

You learn from your mistakes.

At least I'll get some tax back, as I sold a large amount at a profit at the beginning of the year.

I did manage to buy some more at the end of the week (yesterday) and filled my portfolio a little more. 📈

I bought:

• 150 × $ADS (+0,34 %) at € 167.00 → € 25,050
• 40 × $ASML (+1,93 %) at € 610.00 → € 24,400
• 340 × $PYPL (+0,02 %) at € 58.80 → 19,992
• 300 × $FTNT (+0,18 %) at € 65.90 → € 19,770
• 180 × $TEM (+1,36 %) at € 54.50 → € 9,810
• 22 × $VOW3 (-0,49 %) at € 95.20 → € 2,094

Total sum: € 101,116

Let's see how this develops, in any case I'm well covered for now. 🚀

What do you think about entering? 🤔 The time horizon of the trade is approx. 18 to 24 months

A portfolio that supports long-term, solid growth and remains balanced. The focus is on global diversification, strong dividend payers, stable industry leaders and a targeted admixture of future-oriented stocks, including in the crypto sector.

✅ = already available

👀 = on the watchlist, interesting in terms of price soon

❌ = not yet interesting in terms of price at present

ETF selection

• FTSE All World ✅ = Global basis, broadly diversified. $VWRL (+0,28 %)
• 
  MSCI World Tech ✅ = Focus on innovative technology stocks.
• Defense USD 👀 = Stability through defense and security.
• FTSE High Dividend 👀 = Dividend-oriented addition.

Single stock focus

Energy & commodities:

Shell ✅, Chevron 👀, Exxon 👀, Rio Tinto ❌ $SHEL (-0,2 %)
$CVX (+0,01 %)
$XOM (+0,01 %)
$RIO (+0,56 %)

Insurers & reinsurers:

Munich Re ✅, Hannover Re ✅, Swiss Re ❌, Allianz ❌, Swiss Life AG ❌ $ALV (+0,52 %)
$SREN (-0,88 %)
$SLHN (-0,6 %)
$HNR1 (-0,32 %)
$MUV2 (-0,77 %)

Finance & payment transactions:

Brown & Brown ✅, Marsh & McLennan ✅, Visa ✅, Mastercard ❌, PayPal 👀 $PYPL (+0,02 %)
$BRO (-0,06 %)
$MMC (+0,09 %)
$V (-0,1 %)
$MA (-0,11 %)

Technology & data:

Alphabet 👀, NVIDIA ❌ , Palantir ❌,

Amazon 👀, Apple ❌, Microsoft ❌, Baidu 👀 $9888 (+0,4 %)
$AAPL (+1,12 %)
$GOOGL (+1,48 %)
$PLTR (-1,42 %)
$NVDA (-1,5 %)

Health & consumption:

Novo Nordisk 👀, Zoetis 👀, Coca-Cola ❌, Walmart 👀, United Health 👀 $UNH (+0,06 %)
$NOVO B (+2,98 %)
$ZTS (+0,13 %)
$KO (-0,79 %)
$WMT (-0,11 %)

Automotive & Mobility:

BMW ❌, Mercedes 👀, Tesla ❌ $TSLA (+7,64 %)
$BMW (-0,13 %)
$MBG (+0,07 %)

Cryptos

• XRP ✅ $XRP (-2,11 %)
• 
  RENDER ✅ $RENDER (-4,54 %)
• 
  Bitcoin (BTC) ❌ $BTC (-1,44 %)
• 
  Solana (SOL) 👀 $SOL (-4,02 %)
• 
  Ethereum (ETH) ❌ $ETH (-2,72 %)

For the weekend

Strategy remains: Patience, discipline and an eye for opportunities.

📈🌾

July was also very good again, but the year is still long. Key investments for the future with overweighting $IREN (+2,68 %)

$KSPI (-0,28 %)

$NICE (-0,82 %)

$ALCRB (+6,81 %)

$DSFIR (-0,97 %)

$CELH

$PYPL (+0,02 %)

let's see what happens :) I wish you all continued success with your investments.