I am currently restructuring my portfolio and would like to keep the ACWI as the core and have a mix of growth and quality individual stocks with a long investment horizon as satellites. I have currently selected the following stocks:

$NVDA (+2,03 %)

$GOOGL (+1,67 %)

$AMZN (+0,51 %)

$2330

$BRK.B (+0,47 %)

$ASML (+0,78 %)

$V (+0,45 %)

$NOVO B (-0,2 %)

$FTNT (-1,98 %)

$SOFI (+5,25 %)

$CSU (-0,98 %)

However, this selection is very tech and USA focused. Do you have any suggestions or alternatives? For example, I have $LIN (+0,17 %) , $SAP (+0,65 %) , $SIE (-0,6 %) and $CAT (+0,07 %) or $DE (-0,59 %) on the watchlist. What do you think?

It is often said that cryptocurrencies could make the major payment networks superfluous.

If you pay directly with Bitcoin, Ethereum or stablecoins, why do you need Visa ($V (+0,45 %) ) or Mastercard ($MA (+0,09 %) )?

The reality: Both companies have long been working on integrating digital currencies into their network.

Instead of being displaced, they also want to earn money from every transaction in the crypto world.

1. how Visa & Mastercard are integrating crypto 🔗

• Crypto cards: Both cooperate with exchanges such as Coinbase, Crypto.com or Binance. Customers pay from crypto wallets and the conversion to fiat takes place automatically in the background. Merchants continue to receive euros or dollars.

• Stablecoin processing: Visa already tested initial settlements with USDC via Ethereum in 2021. Pilot projects with Solana were added in 2023, including with Worldpay and Nuvei. Mastercard is also relying on stablecoins and is working with banks and FinTechs to make corresponding transactions suitable for everyday use.

• Partnerships: Visa cooperates closely with Circle, the issuer of USDC, and with FinTechs such as Crypto.com. Mastercard is building its own platforms for CBDCs and is testing the integration of digital sovereign currencies together with central banks.

2. why this is clever 🤔

• Both think pragmatically: it is not important which currency is used. The only important thing is that it runs via the respective network. Dollar, euro, stablecoin or Bitcoin, Visa and Mastercard earn money from every transaction.

• They are therefore not positioning themselves as opponents, but as bridge builders between traditional payment transactions and the crypto world.

3. opportunities for investors 🌐

• Hedging: If crypto becomes suitable for the masses, Visa and Mastercard will not lose market share, but will benefit through integration.

• Growth: Stablecoins could make cross-border payments in particular cheaper and faster, which offers enormous potential.

• Network effects: As both are already accepted worldwide, new payment methods can be rolled out globally very quickly.

4. conclusion 👉

Visa and Mastercard do not see crypto as a threat, but as an opportunity.

They are integrating digital currencies into their networks step by step and are thus also earning money from many transactions in a more digital financial world.

Heyy,

I would like to focus more on growth and therefore sell the $FGEQ (+0,08 %)

Nevertheless, I value dividends for the visual incentive 😉.

I am therefore considering changing the weighting of my ETFs.

Please let me know your opinions and views on this. 💡

New strategy:

$IWDA (+0,35 %) 40%

$TDIV (-0,94 %) 40%

Individual shares remain at:

$NVDA (+2,03 %) 10%

$AMZN (+0,51 %) 5%

$V (+0,45 %) 5%

Hey everyone 👋

I'm 21 and have been investing since the end of last year. My goal is to build a solid portfolio over the long term and learn as I go. I'm happy to receive feedback, tips or food for thought on my strategy - everything helps to get better! 💡

About the strategy/target weighting:

Base/dividends:

$IWDA (+0,35 %) to 30%

$TDIV (-0,94 %) to 30%

$FGEQ (+0,08 %) to 20%

Individual shares as an additional boost:

$NVDA (+2,03 %) 10%

$AMZN (+0,51 %) 5%

$V (+0,45 %) 5%

I invest €400 per month towards the target weighting.

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 (+0,33 %)
• 
  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 (+1,45 %)
$CVX (+0,9 %)
$XOM (+1,32 %)
$RIO (+2,33 %)

Insurers & reinsurers:

Munich Re ✅, Hannover Re ✅, Swiss Re ❌, Allianz ❌, Swiss Life AG ❌ $ALV (-0,8 %)
$SREN (-0,62 %)
$SLHN (-0,49 %)
$HNR1 (-0,51 %)
$MUV2 (-0,49 %)

Finance & payment transactions:

Brown & Brown ✅, Marsh & McLennan ✅, Visa ✅, Mastercard ❌, PayPal 👀 $PYPL (+0,37 %)
$BRO (+0,97 %)
$MMC (-0,75 %)
$V (+0,45 %)
$MA (+0,09 %)

Technology & data:

Alphabet 👀, NVIDIA ❌ , Palantir ❌,

Amazon 👀, Apple ❌, Microsoft ❌, Baidu 👀 $9888 (+3,27 %)
$AAPL (+0,65 %)
$GOOGL (+1,67 %)
$PLTR (-0,84 %)
$NVDA (+2,03 %)

Health & consumption:

Novo Nordisk 👀, Zoetis 👀, Coca-Cola ❌, Walmart 👀, United Health 👀 $UNH (-0,25 %)
$NOVO B (-0,2 %)
$ZTS (-0,12 %)
$KO (-0,7 %)
$WMT (+0,05 %)

Automotive & Mobility:

BMW ❌, Mercedes 👀, Tesla ❌ $TSLA (+2,63 %)
$BMW (-0,31 %)
$MBG (-0,82 %)

Cryptos

• XRP ✅ $XRP (+0,53 %)
• 
  RENDER ✅ $RENDER (+0,85 %)
• 
  Bitcoin (BTC) ❌ $BTC (-0,4 %)
• 
  Solana (SOL) 👀 $SOL (+0,16 %)
• 
  Ethereum (ETH) ❌ $ETH (+0,74 %)

For the weekend

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

📈🌾

Today I got rid of some of my winners and shifted further into my ETFs.

I have sold:

$CL2 (+2,25 %) +5% this fine ETF, also known as holy amumbo, will be rebuilt right next week via savings plan.

$TXRH (+0,89 %) +13% whether this will not become a tenbagger in the long term and was therefore a stupid sale?

$JPM (+0,6 %) +20%

$V (+0,45 %) +25%

$CAT (+0,07 %) +26% I suspect that we are at the end of the cycle here. But who knows for sure?

$LULU (-1,96 %) -10% good numbers, very bad chat history, but at least it saved me some taxes.

$RKLB (+5,99 %) +28% This stock always made me think of Peter Lynch's quote, "don't buy the stocks of rocket companies, buy the boring ones..."

Bought:

$VWRL (+0,33 %) at €129.48 🥱

and

$EQQQ (+0,63 %) at 481.75 € 😎

$HEIA (-0,73 %)
$EL (-1,18 %)
$NUE (+1,49 %)
$CDNS (+0 %)
$WM (-0,36 %)
$MSFT (+0,28 %)
$V (+0,45 %)
$OR (-0,95 %)
$AZN (-0,69 %)
$MRK (-1,41 %)
$PG (-0,69 %)
$SBUX (-2,01 %)
$BCS (+0,57 %)
$META (+0,62 %)
$BABA (+2,1 %)
$QCOM (-0,15 %)
$AIR (+0,19 %)
$HSBC (+0 %)
$GSK (+0,82 %)
$MBG (-0,82 %)
$F (+1,4 %)
$AAPL (+0,65 %)
$AMZN (+0,51 %)
$MA (+0,09 %)
$7203 (-0,05 %)
$SHEL (+1,45 %)
$005930
$SNY (-1,37 %)
$CMCSA (+0,65 %)
$COIN (-3,56 %)
$NET (+0,72 %)
$XOM (+1,32 %)
$CVX (+0,9 %)
$CS (-3,65 %)
$NTDOY (-2,68 %)
$CL (-1,05 %)
$DTG (-1,31 %)
$UNH (-0,25 %)

Hello everyone,

I wanted to share my portfolio and my strategy with you today.

I've been active on the stock market since 2022.

Like many people, the start was not perfect. In the beginning, I traded back and forth too much, bought and sold shares only because of short-term movements and often went with my gut feeling rather than a clear strategy.

In the meantime, however, I am really happy with my portfolio and, above all, with my direction.

I invest for the long term, broadly diversified and hedge all my positions (except $ISPA (-0,16 %)) on a monthly basis.

I no longer worry about short-term price movements.

A few books, which I have already presented in a separate article, have also been particularly helpful.

My portfolio is divided into two areas:

ETFs at Trade Republic:

• Vanguard FTSE All-World ($VWRL (+0,33 %)) is my basic investment and forms the backbone of my portfolio
• Fidelity Global Quality Income ($FGEQ (+0,08 %) ) I find the ETF's approach very interesting
• iShares STOXX Global Select Dividend 100 ($ISPA (-0,16 %) ) I still have from my early days. It will probably be completely switched into the VWRL sooner or later
• iShares Physical Gold ($IGLN (+0,6 %) ) is intended as a small addition

Individual stocks at Scalable Capital

I have specifically selected six established companies that I am betting on for the long term.

They are not insider tips, but for me they are solid and easy to understand:

• Microsoft ($MSFT (+0,28 %) )
• Apple ($AAPL (+0,65 %) )
• Visa ($V (+0,45 %) )
• Coca-Cola ($KO (-0,7 %) )
• Allianz ($ALV (-0,8 %) )
• Realty Income ($O (-0,28 %) )

If I find any exciting additions in the future, I would like to expand the stock selection to a maximum of ten stocks.

I invest in all my ETFs (except $ISPA (-0,16 %)) and shares on a monthly basis.

I also make targeted individual purchases from time to time.

This gives me a clear structure, keeps me disciplined and allows my portfolio to grow.

I'm glad that I've learned from my beginner's mistakes and have now found a strategy that suits me.

How did you get started in the stock market and what helped you find your way?

Hello everyone,

I currently need a tip or two to finalize my portfolio to my liking.

The framework is now in place and consists mainly of the $XDWD. In the next few months, with the payment of the next bonus, the $EIMI (+0,97 %) will move up. I am therefore trying to cover everything and generate steady growth until retirement.

I have also added a few dividend stocks to my portfolio, which should increase my annual passive income in the future. Everything in combination but with a slightly higher weighting on growth through the ETF. Everything is saved between EUR 800-1000 per month.

My question now: I still need a dividend stock in the healthcare sector and in the financial sector.

I am currently watching $JNJ (+0,52 %) for the healthcare sector and $V (+0,45 %)
$CBA (-1,52 %)
$JPM (+0,6 %)

Do you have any other ideas for a single stock addition for these sectors?

I am very grateful for ideas....