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 (+0,66 %)
• 
  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 (+0,22 %)
$CVX (+1,26 %)
$XOM (+0,82 %)
$RIO (+0,96 %)

Insurers & reinsurers:

Munich Re ✅, Hannover Re ✅, Swiss Re ❌, Allianz ❌, Swiss Life AG ❌ $ALV (-0,11 %)
$SREN (-3,08 %)
$SLHN (-0,21 %)
$HNR1 (-3,68 %)
$MUV2 (-6,64 %)

Finance & payment transactions:

Brown & Brown ✅, Marsh & McLennan ✅, Visa ✅, Mastercard ❌, PayPal 👀 $PYPL (-0,75 %)
$BRO (+1,45 %)
$MMC (+0,4 %)
$V (+1,63 %)
$MA (+2,06 %)

Technology & data:

Alphabet 👀, NVIDIA ❌ , Palantir ❌,

Amazon 👀, Apple ❌, Microsoft ❌, Baidu 👀 $9888 (-0,01 %)
$AAPL (+4,37 %)
$GOOGL (+2,95 %)
$PLTR (+3,08 %)
$NVDA (+1,02 %)

Health & consumption:

Novo Nordisk 👀, Zoetis 👀, Coca-Cola ❌, Walmart 👀, United Health 👀 $UNH (+2,83 %)
$NOVO B (+4,84 %)
$ZTS (-0,09 %)
$KO (+0,32 %)
$WMT (+0,59 %)

Automotive & Mobility:

BMW ❌, Mercedes 👀, Tesla ❌ $TSLA (+2,64 %)
$BMW (+1,55 %)
$MBG (+2,73 %)

Cryptos

• XRP ✅ $XRP (+0,11 %)
• 
  RENDER ✅ $RENDER (+2,38 %)
• 
  Bitcoin (BTC) ❌ $BTC (-0,02 %)
• 
  Solana (SOL) 👀 $SOL (+1,36 %)
• 
  Ethereum (ETH) ❌ $ETH (+2,97 %)

For the weekend

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

📈🌾

Hello, my name is Jérémie and I am 16 years old. I have recently made an inventory of all my assets. (portfolio, cash and others...) I want to diversify my portfolio without sacrificing the aggressiveness and the returns I can achieve (I have a comparison with a portfolio with 90% $VGT (+1,08 %) and 10% $BTC (-0,02 %) and that gave me 60.58% if I had started on January 1, 2024) Do you have any suggestions to reduce my future position in $VGT? (By the way, I like American stocks because I don't care about ethics or ESG score. I WANT YIELD!!!!) Seriously, can the Getquin community help me?

French / English Speaker ;) #etfs / #crypto / #diversification / #tech

US President Donald Trump has signed a decree that will allow alternative investments such as private equity, real estate, Bitcoin and cryptocurrencies to be included in tax-advantaged pension plans - the so-called "401(k)s". Around USD 9 trillion is held in these pension savings models, which represent a fundamental pillar of the US capital and pension market.

Bitcoin and crypto in 401(k)s

Trump's plan to open up 401(k)s to alternative investments such as cryptocurrencies has been in place since mid-July. bekannt. At the time, the Financial Times quoted insiders who had been informed of the Trump administration's plan.

A 401(k) is a private retirement savings account used by around 90 million US employees to invest a portion of their gross income in the capital market on a tax-privileged basis for their own retirement. Taxes on the investment gains are only incurred when they are withdrawn. Employers often also offer a "matching contribution", whereby they subsidize part of the employee's contributions.

With today's signing of the aforementioned executive order, first reported by the Financial Times berichteteit is now official.

The Department of Labor is directed to reevaluate the guidelines for alternative investments in retirement plans subject to the Employee Retirement Income Security Act (ERISA) of 1974.

In close coordination with the Department of the Treasury, the U.S. Securities and Exchange Commission SEC and other authorities, the aim is to examine whether regulatory adjustments are required in order to integrate alternative asset classes into professionally managed funds.

In addition, the government should clarify what fiduciary duties apply when offering asset allocation funds with the more exotic investment opportunities. In addition, the SEC is asked to facilitate access to alternative assets for retirement plans.

In 2022 warnte the U.S. Department of Labor was still reluctant to offer cryptocurrencies in 401(k) plans. The reason given was that Bitcoin and co. were too speculative and volatile to be a suitable form of investment for retirement provision. This assessment had a clearly deterrent effect on many financial service providers.

Given the early stage of development of cryptocurrencies, the Department expresses considerable doubt as to whether it is responsible to expose participants in a 401(k) plan to direct investments in cryptocurrencies or products based on them.

US Department of Labor in March 2022

9 trillion US dollars with access to BTC

There are around 9 trillion US dollars in 401(k)s. This sum corresponds to more than 4 times the Marktkapitalisierung of Bitcoin. Even if only a small portion of this capital were to flow into Bitcoin, this could drive the price up significantly. The Bitcoin price reacted positively when Bloomberg reported this morning berichtetethat the decree will be signed this Thursday.

However, easier access to certain asset classes does not necessarily mean that this will be used. BloombergETF-expert Eric Balchunas believes that the vast majority will not be interested in the expanded offering and will stick with a standard portfolio - such as the popular target-date funds, which adjust the asset allocation to the planned retirement age.

I'm a fan of choice, but all of these things should require a bit of education. However, I think the vast majority won't care and will opt for a simple, low-cost Portfolio "Target Date Fund" type product.

Eric Balchunas

Also, there are already opportunities to buy bitcoin as part of tax-advantaged retirement plans. The asset manager Fidelityfor example, has been allowing customers to hold Bitcoin directly via their 401(k)s for some time. Nevertheless, due to the frequent lack of a Bitcoin option in retirement plans, savers who wanted to benefit from Bitcoin's success often had to switch to shares in companies such as Strategy have had to switch.

Trump's pro-crypto policy remains on track

US President Trump's new executive order is a further step in his plan to make the US the "crypto capital" and "Bitcoin superpower" of the world. Trump is tearing down barriers that have so far prevented the traditional financial world and the Bitcoin market from converging.

Shortly after he took office, the SEC overturned Directive SAB 121, which made it virtually impossible for traditional banks to hold crypto assets for their customers. Trump is also planning to Dekret that penalizes banks for discriminating against conservatives and crypto firms.

A positive regulatory environment that helps to further legitimize Bitcoin should further boost the price of the most important cryptocurrency - especially if it becomes common practice to invest part of one's retirement savings in Bitcoin.

$BTC (-0,02 %)

https://www.blocktrainer.de/blog/trump-bringt-bitcoin-und-co-in-altersvorsorgeplaene

Hello everyone,

I am 28 and would like to invest for the long term. My savings rate is around 600€-800€ per month.

Briefly about the current positions:

The $VWRL (+0,66 %) position is in the savings plan.

$ALV (-0,11 %) The savings plan ran initially and I am currently simply holding the position and not expanding it any further.

$QYLE (+0,68 %) was also once in a savings plan. The aim here was to generate cash flow, but I would now rather reallocate in order to get a higher return in the long term.

$MEUD (+0,36 %) runs in the savings plan to increase the European share.

$IUIT (+1,04 %) I like to buy more when there are setbacks and use it as a yield booster. Also in the savings plan.

$BTC (-0,02 %)
$ETH (+2,97 %)
$SOL (+1,36 %) are partly older. I am considering expanding them.

I would be pleased to hear your ideas and opinions on what you would do - also with regard to regrouping and structuring the savings plans.

Thank you very much for your encouragement!

Hello dear GetQuin Community,

briefly about me

I am Leon 23 years young

I have been working as an electrician since 2018, first as an apprentice and since 2021 as a journeyman (training shortened from 3.5 years to 3 years), in the meantime I have specialized in network technology (copper and glass)

So I build network cabinets, whether in new buildings or in existing industrial plants.

I have been investing since 2021 but really actively and with a clear strategy since the beginning of this year

In the beginning, I was still living for the day and simply "gambled away" money or sold good stocks due to money worries.

In the meantime, the experiences I have had have taught me that the most important thing is to have a nest egg.

I am expecting my first child in December, so I have increased my nest egg again (4 instead of 3 monthly salaries)

As I will be moving into a much larger apartment this month and at the same time a much cheaper apartment, my savings plans currently look like this

510€ total per month

350€ $VWRL (+0,66 %)

20€ $NVDA (+1,02 %)

20€ $AMZN (-0,2 %)

20€$O (+1,1 %)

20€$ASML (+1,04 %)

20€$MSFT (+0,43 %)

30€$BTC (-0,02 %)

15€$ETH (+2,97 %)

10€$XRP (+0,11 %)

5€$SOL (+1,36 %)

...which is set in the year 3077 and $BTC (-0,02 %) is also briefly mentioned. 😍🇰🇷 (click to enlarge the speech bubbles)

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+1,23 %) , $O (+1,1 %) and $ATO (+7,25 %) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (+0,75 %)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (+0,68 %)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0,11 %)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (+0,72 %)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (+1,12 %)

50 €

FTSE Emerging Markets (Dist)$VFEM (-0,17 %)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (-0,02 %) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

Hello everyone.

My portfolio currently consists only of ETFs and individual stocks and one small position $EWG2 (+0 %) . However, for several weeks now I have been considering a savings plan on $BTC (-0,02 %) for several weeks. Some of my friends said it wouldn't make sense at the moment.

What do you think? Should I wait for a major setback or should BTC stay at the €100,000 mark?