Hello everyone,

My name is Antonio, I'm almost 27 years old and I'm from Bremen. I currently work as a train manager at Deutsche Bahn. Anyone who knows the job knows that chaos is almost guaranteed here. If a train is on time, everyone wonders what's going wrong. Delays, strikes, unforeseen events - you get used to the fact that nothing goes as expected. And that's exactly how I felt on the stock market: constantly chasing hypes, always on the lookout for quick profits, and in the end I never knew whether the train was still on the right track. I experienced just as much chaos on the markets as I did in my day-to-day work - but fortunately I've learned from it and am now looking for a fresh start where everything is a bit more orderly and predictable.

I've made a lot of mistakes on the stock market in the past. And not too few - unfortunately. Like many of you, I had the idea that the stock market would make me a quick buck. I let myself be led by hypes, trends and the desire for immediate results. I wasn't interested in investing for the long term or building a solid foundation for the future, I was only ever interested in making a quick profit. Leveraged products, knock-out certificates - it was all there. It felt like a casino where the loss was usually the only "win". And so it came as it had to: I not only lost money, but also confidence in my own decisions and the markets.

But today, in 2025, I have realized that it is time for a fresh start. I have learned from my mistakes. It's been a long road and I've thought a lot about why I was so quick to go for the quick buck instead of investing patiently and focusing on long-term success. I learned the lessons I needed to become a better investor. Patience, diversification and a long-term perspective are now my principles. I want to create something tangible, not just a portfolio full of numbers, but also a solid, long-term strategy that will help me to continuously build my wealth.

My portfolio: A solid foundation

The portfolio I have now built up is a mix of different asset classes and asset classes. My aim is to diversify broadly and not miss out on potential growth opportunities, while spreading risk across different sectors and regions. Here is an overview of what my investment strategy looks like:

ETFs (€1000/month)

I have deliberately opted for a broad diversification and invested in different geographical regions and markets. This diversification should ensure that my capital benefits from the markets that have the greatest potential in the coming decades.

- IE00BMTX1Y45 ( $I500) (-5,3 %)

- LU0908500753 ( $MEUD (-5,66 %) )

- IE00BYXVGY31 ( $FUSA (-4,98 %) )

- IE00BD1F4M44 ( $IUVF (-5,82 %) )

- IE00BKM4GZ66 ( $EIMI (-4,57 %) )

- LU1681041973 ( $CD9 (-5,43 %) )

- LU0486851024 ( $D5BL (-6,47 %) )

- IE00BYQCZN58 ( $DXJZ (-4,63 %) )

- IE00BF4RFH31 ( $WSML (-4,27 %) )

- IE00BG0SKF03 ( $5MVL (-4,84 %) )

- IE00B652H904 ( $SEDY (-3,96 %) )

- LU2089238385 ( $PRAJ (-3,5 %) )

- DE000A0H0744 ( $EXXW (-5,46 %) )

- IE00BFXR5W90 ( $LGAG (-6,75 %) )

- LU0779800910 ( $XCHA (-3,45 %) )

- HANetf Future of Defense UCITS ETF ($ASWC (-8,84 %) )

So many ETFs? Does he still have all his wits about him?

Some people will think exactly that when they look at my ETF list. And yes, I admit that the portfolio is pretty broadly based - perhaps too broad for some. But that's exactly my goal. I don't want to catch the one sector or the one region that is going through the roof. I want to have everything! If a market explodes somewhere in the world, then I want to be there. Be it through large caps, small caps, growth, value, technology or emerging markets, my approach is not to miss out on potential opportunities and at the same time not to put all my eggs in one basket. Some call it overdiversification, I call it my personal "all-world approach"

The idea behind the selection of these ETFs is that I want to focus on global markets and growth regions without missing out on important sectors such as technology, healthcare and energy. The USA (with over 55% of my portfolio) remains the central component due to its economic importance and innovative strength. At the same time, I am also focusing on Europe, Asia, China and emerging markets, which are increasingly among the growth markets of the future. Small caps also play a key role for me, as they often have the potential to grow faster and offer opportunities that are often overlooked by the large institutions.

Cryptocurrencies (€100/month in Bitcoin ( $BTC (-0,54 %) ) €50/month in Ethereum ($ETH) (-0,36 %)

I also invest in Bitcoin and Ethereum as I am convinced of the future of these digital currencies. Even if the volatility is high, I see the long-term potential of these technologies. For me, it is an opportunity to participate in the development of a new financial world.

Gold (50 €/month EUWAX Gold ($DE000EWG0LD1 (-0,32 %) )

In uncertain times, I have realized how important it is to have conservative assets such as gold. The last few years of inflation and economic fluctuations have made me realize that gold can have a stabilizing effect, especially in times of crisis.

Individual stocks - My dividend strategy

I have also selected a few individual stocks that should not only offer me security, but also regular income through dividends. The reason for this is simple: I need something tangible, something visible. It's not just the pleasure of seeing the portfolio grow, but also the dividend that gives me the feeling of actively participating in the companies and benefiting from their success.

- 3M Co ($MMM (-8,14 %) )

- Allianz ($ALV (-8,43 %) )

- BioNTech ($BNTX (-3,55 %) )

- Booking Holdings( $BKNG (-2,79 %) )

- Coca-Cola ($KO (-3,58 %) )

- LVMH ($MC (-4,14 %) )

- MSCI Inc ($MSCI (-6,26 %) )

- NextEra Energy($NEE (-5,91 %) )

- Philip Morris ($PM (-5,99 %) )

- Realty Income($O (-2,42 %) )

BioNTech in particular, as a company that has promising potential not only during the pandemic but also beyond, is a long-term winner for me. Likewise NextEra Energy, which plays a key role in the renewable energy sector, and Booking Holdings, which should benefit from the global tourism trend. These companies not only pay dividends, but also show that you can benefit from a company's success with a long-term perspective.

Pension fund

I also invest in the DEVK pension fund (DE000A2PT1X3) through my employer $DE000A2PT1X3 . This fund is particularly important to me because of the generous contributions made by my employer and the solid returns. Even though the costs are somewhat higher, I see it as a long-term addition to my strategy.

Why this portfolio?

I built my portfolio this way because I believe in the potential of long-term global diversification. Rather than chasing short-term gains, I am looking for continuous value growth over many years. I want to support the right companies, benefit from promising markets and at the same time have a regular source of income through dividends.

I am no longer interested in making a quick buck. I have learned that true success in wealth accumulation lies in patience. And that's what it's all about: I want to create a solid foundation for the future - for myself, for my pension and perhaps for a house in a few years' time.

What do you think?

I'm really looking forward to hearing from you. What do you think of my strategy? Do you see any areas where I could diversify even more? Are there any asset classes or ETFs missing from my portfolio that would make sense for me? I am very keen to hear your opinions and advice.

Thank you for taking the time to read my story and strategy! I look forward to your feedback.

Best regards,

Antonio

Hello Getquin Community,

I have listened to your opinions on my portfolio and have reconsidered my savings plans.

My savings plans are currently at 325€

13x 25€

5 of these are different ETFs

$IWRD (-5,63 %)

$IWDP (-3,75 %)

$VHYL (-4,8 %)

$EXXW (-5,46 %)

$SPYM (-4,94 %)

I am now considering restructuring and building up more focus and a larger core of ETFs.

I am considering increasing the first 3 ETFs to €50 and leaving the others at €25 and then adding 4 individual stocks for €25 each.

But I am still looking for an ETF with countries from Europe.

What do you think of this plan?

Closed the position after two years with just under +8% (including dividends).

The dividends are nice, but are of little use to me if the share price only moves sideways at best. I'll keep the money for now and wait for January. If necessary, I can still invest it via a savings plan from February.

After some thought and consideration, I have decided to reduce the emerging markets focus to one country.

I am taking the money for this from the $SEDY (-3,96 %) and the $EXXW. (-5,46 %)

Of course, I have deliberately invested heavily in the Indian market. There is no dividend either (@Fabzy like that). But since I look at my ETF portfolio separately anyway, that's not so tragic.

I think that India still has a lot of potential and I definitely like being invested in India better than in China. Brazil would also be interesting, but I'm not quite sure about that politically.

Vietnam would also be something. But for now I'll stick with India.

Below you can see me looking at a few companies in a café during my last vacation in India. As you can see, India as such has won me over.

P.S. Yes, it has become the Franklin, despite a lower volume than the MSCI India. But I like the concept as such better and the TER is much lower (only 0.19%).

It was quite nice with him. A high dividend yield is cool. But the performance was rather negative. So the 7% yield is of no use to me if the ETF otherwise only performs negatively over the year.

So I got rid of it and reallocated a bit.

But more on that later.

@DonkeyInvestor will be pleased. Away with the critters

Below you can see me explaining to an Italian friend why a high dividend yield without growth or even with negative growth doesn't make much sense.

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