Donald Tusk: The Polish head of government has confirmed that drones from Russia were shot down over his country.
Let's see how the market will react (if at all). $RHM (+0,57 %)
$ASWC (+0,14 %)
$EUDF (+0,51 %)
$DFEN (+0,15 %)
$DRO (+3,25 %)
Postes
20Donald Tusk: The Polish head of government has confirmed that drones from Russia were shot down over his country.
Let's see how the market will react (if at all). $RHM (+0,57 %)
$ASWC (+0,14 %)
$EUDF (+0,51 %)
$DFEN (+0,15 %)
$DRO (+3,25 %)
I wanted to refresh my wife's portfolio and not just put it into an MSCI World or FTSI World. So I asked ChatGPT how I can set up a savings plan with the following conditions:
Individual positions < 10%
Individual stocks: Siemens AG, Microsoft, BTC and gold
Defense industry
Construction and infrastructure sector
Momentum
Robots sector
AI sector
Nuclear industry
The following constrellation came out at 2x200€/month:
Individual stocks: 32%
8% Siemens AG $SIE (-0,46 %) 2x16€ =32,00 €
8% Microsoft $MSFT (+1,74 %) 2x16€ =32,00 €
8% Bitcoin $BTC (-0,1 %) 2x16€=32,00 €
8% Gold $WGLD (+0,24 %) 2x16€=32,00 €
ETFs 68%:
20% multifactor ETF $IBCZ (-0,49 %) 2x 40€ = 80€
12% Robotics ETF $AAKI (+0,64 %) 2x 24€ = 48 €
12% AI ETF $INTL (-0,38 %) 2x24€ = 48 €
12% Nuclear ETF $NUKL (-1,49 %) 2x24€ = 48 €
7% Infrastructure ETF $EXV8 (-0,59 %) 2x14€ = 28 €
5% Defense ETF $ASWC (+0,14 %) 2x10€ = 20 €
Why all this:
The selection offers better access to momentum in the short, medium and long term and less vola in the overall picture. A total of 570 companies are included and 2 assets.
I would be very happy to receive feedback or suggestions. Thank you!
estimated reading time: 4 minutes
Twenty years ago, the new market crash wiped out my first stock market money and my ego. I swore off the stock market, but my pension certificate showed me that ducking out has an expiry date.
So the first attempts to start again followed. Here on Getquin, I have learned from positive critical voices from e.g. @DonkeyInvestor and @Epi that there is more to it than "just picking something". Since my last post 6 months ago, this was followed by extreme late-night brooding, Excel monsters, AI research, reading Kommer and countless "new agains".
I have tried to read up on modern optimization models such as Mean-Variance, Black-Litterman and Fama-French etc. and implement them in the best possible way.
The result was this portfolio!
As thoroughly tested as you can in a private garage, and coupled with the insight that we only have to leave the uncontrollable to chance.
And one thing first. I am convinced of this and will not change it.
I just want to share my thoughts and ideas about the direction with you. It's difficult to really explain every detail here, I'm sure I could do it better in a conversation, but that's not possible here. I can assure you that the selection and combination definitely makes sense - at least for me and the construct. Among other things, it was important to me to be able to control individual regions separately. I think I have achieved that.
Global (30%)
- SPDR MSCI All Country World, $SPYY (-0,13 %)
- L&G Global Equity UCITS ETF, $LGGG (-0,09 %)
- iShares Edge MSCI World Momentum, $IS3R (-0,47 %)
- Xtrackers MSCI World Value, $XDEV (-0,63 %)
- Invesco Global Active ESG Equity, $IQSA (-0,26 %)
- VanEck World Equal Weight Screened, $TSWE (-0,33 %)
- VanEck Morningstar Developed Markets Dividend Leaders, $TDIV (-0,34 %)
USA (31.5%)
- L&G US Equity, $LGUG (-0,12 %)
- iShares MSCI USA Mid-Cap Equal Weight, $IUSF (-0,82 %)
- JPMorgan BetaBuilders US Small Cap Equity, $BBCS (-0,85 %)
- SPDR MSCI USA Small Cap Value Weighted, $ZPRV (-0,68 %)
Europe (17.5%)
- HSBC EURO STOXX 50, $H50A (-0,04 %)
- L&G Europe ex-UK Quality Dividends Equal Weight, $LDEG (-0,15 %)
- SPDR MSCI Europe Small Cap Value Weighted, $ZPRX (-0,2 %)
Emerging markets (19%)
- iShares Edge MSCI Emerging Markets Value Factor, $5MVL (+0,32 %)
- UBS LFS MSCI Emerging Markets ETF, $EMMUSA (+0,3 %)
- L&G Emerging Markets Quality Dividends Equal Weight, $LDME (-0,21 %)
- SPDR MSCI Emerging Markets Small Cap, $SPYX (-0,09 %)
Japan (2%)
- L&G Japan Equity UCITS ETF, $LGJG (-0,31 %)
Ø TER = 0.25%
In summary, this gives the following breakdown
Regional breakdown
- USA (North America) ~ 48%
- Asia ~ 22%
- Europe ~ 22%
- UK ~ 3.6%
- Japan ~ 4.4%
Market capitalization
- Large Cap ~ 52%
- Mid Cap ~ 26%
- Small Cap ~ 22%
The portfolio deliberately allocates its capital to the regions and - where possible - to all capitalization classes. The world building blocks provide the global beta; value, momentum and quality satellites add factor premiums. In the USA, a complete large/mid/small stack provides a pronounced size bias, while Europe receives a value bias via quality and small value ETFs. The emerging layer combines large-cap value stocks, quality leaders and a small-cap module - a diversification anchor beyond the developed markets.
Due to the almost equal weighting of the 18 positions, the Herfindahl index of ETF weights falls to ~633; indirectly, the portfolio contains several thousand individual stocks. The weighted TER is ≈ 0.25 % p. a., spreads below 0.1 %. This means that, compared to a $GERD (-0,18 %) a favorable multifactor portfolio myself.
The factor tilts (value 42 %, size 35 %, quality/div ≈ 12 %, momentum ≈ 8 %) increase the expected volatility moderately to 18-20 % p.a.; however, historical data on small and value indices indicate 1-2 percentage points additional return over long horizons. Large caps remain present at around 52 %, mid caps at 26 % and small caps at 22 % support the size premium .
With my "multi-factor all-cap portfolio", I combine global market coverage with five proven premiums, without cost or concentration ballast. Of course, I will have to endure additional fluctuations, but I believe that I have created a robust source of returns over the long term.
I have tried to consider everything and leave nothing to chance, except the uncontrollable.
Anyone who has made it this far. Thanks for reading.
I'm looking forward to your feedback.
PS:
YES, I have Bitcoin😉 and also two themed ETFs. They just stay like that.
- ARK AI & Robotics ETF, $AAKI (+0,64 %)
- HanETF Future of Defense ETF, $ASWC (+0,14 %)
- ETC GROUP CORE BITCOIN, $BTC1 (+1,91 %)
---
no investment advice; DYOR
Thanks also to @VPT , @Mister_ultra , @Ph1l1pp , @ShrimpTheGimp , @MoneyISnotREAL , @Staatsmann and @Smudeo for commenting and providing approaches.
Hi all
here's some info on my strategy, it's core-satellite method
ETF's is the biggest part with
Core:
$VUSA (-0,11 %) & $VEUR (-0,33 %)
Satellite:
$ASWC (+0,14 %) & $DFEN (+0,15 %) as Defense investing, due to EU pulling 5% of GDP with 2030 target
$IGLN (-0,39 %) for the gold exposure, minimizing downtrend when markets drop
$JEGP (+0,35 %) to make use of market volatility as source of income
$TDIV (-0,34 %) past performance is great, dividends of 3-4% always nice income
Individual stocks: mostly dividend stocks as we can deduct €240-region of dividend income of those indidual stocks, sadly not of ETF's.
$$KBC (+0,1 %) is marked as pension plan. I do work for KBC and once a yearn i can buy stocks and deduct some of it from my taxes, also buying on cheaper prices.
$UNP (-0,65 %) will be a good long-term hold as america is still the biggest, and with trump it should have some long-term growth in it.
$ARCAD (+1,58 %) is a value play, aiming to sell around €58, but in meantime, giving dividend to deduct taxes.
$JNJ: (-0,64 %) always good to have this one, great long-term hold and steady source of dividends
$ASML (+1,12 %) : love this stock, it's a monopoly and is growing strongly, keeping this as long as i like the progress
Minimizing the US cluster risk is currently a major topic for investors. It is perhaps even THE topic since the second Trump administration has been throwing tariffs and isolationist positions around.
As part of an incipient reallocation in the portfolio $DFEN (+0,15 %) and $ASWC (+0,14 %) recently, but was bothered by the high proportion of US shares and the heavy weighting of Blackbox $PLTR (+4,15 %) among others.
Today I stumbled across the recently launched ETF from WisdomTree, which compiles purely European defense companies: $IE0002Y8CX98 (+0,51 %)
Some quick raw data:
Listed for the first time on 3/4/2025
TER: 0.4% p.a.
Physical
Accumulating
WKN: A40Y9K
IE0002Y8CX98
Largest positions:
Rheinmetall (approx. 20%) $RHM (+0,57 %) 🇩🇪
Leonardo (approx. 15%) $LDO (+1,49 %) 🇮🇹
Saab (approx. 10%) $SAAB B (+0,02 %) 🇸🇪
BAE (approx. 10%) $BAE (+0 %) 🇬🇧
Thales (approx. 9%) $THALES (+0,23 %) 🇫🇷
This investor will reallocate a little. He is not giving investment advice, but rather enjoying the diversity of Europe. 🇪🇺
Sources:
https://www.wisdomtree.eu/en-gb/etfs/thematic/wdef---wisdomtree-europe-defence-ucits-etf---eur-acc
https://www.wisdomtree.eu/en-gb/strategies/european-defence
https://www.justetf.com/de/etf-profile.html?isin=IE0002Y8CX98#chart
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) (-0,1 %)
- LU0908500753 ( $MEUD (-0,39 %) )
- IE00BYXVGY31 ( $FUSA (-0,07 %) )
- IE00BD1F4M44 ( $IUVF (-0,24 %) )
- IE00BKM4GZ66 ( $EIMI (-0,06 %) )
- LU1681041973 ( $CD9 (-0,39 %) )
- LU0486851024 ( $D5BL (+0,01 %) )
- IE00BYQCZN58 ( $DXJZ (-0,53 %) )
- IE00BF4RFH31 ( $WSML (-0,48 %) )
- IE00BG0SKF03 ( $5MVL (+0,32 %) )
- IE00B652H904 ( $SEDY (+0,68 %) )
- LU2089238385 ( $PRAJ (-0,38 %) )
- DE000A0H0744 ( $EXXW (-0,54 %) )
- IE00BFXR5W90 ( $LGAG (-0,5 %) )
- LU0779800910 ( $XCHA (-0,81 %) )
- HANetf Future of Defense UCITS ETF ($ASWC (+0,14 %) )
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 ( $BTC (-0,1 %) ) €50/month in Ethereum ($ETH) (+0,23 %)
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 ($DE000EWG0LD1 (+1,71 %) )
In uncertain times, I have realized how important it is to have conservative assets such as gold. The last few years of inflation and economic fluctuations have made me realize that gold can have a stabilizing effect, especially in times of crisis.
Individual stocks - My dividend strategy
I have also selected a few individual stocks that should not only offer me security, but also regular income through dividends. The reason for this is simple: I need something tangible, something visible. It's not just the pleasure of seeing the portfolio grow, but also the dividend that gives me the feeling of actively participating in the companies and benefiting from their success.
- 3M Co ($MMM (-0,71 %) )
- Allianz ($ALV (+0,48 %) )
- BioNTech ($BNTX (-5,06 %) )
- Booking Holdings( $BKNG (-0,77 %) )
- Coca-Cola ($KO (-1 %) )
- LVMH ($MC (+0,59 %) )
- MSCI Inc ($MSCI (-0,24 %) )
- NextEra Energy($NEE (+0,82 %) )
- Philip Morris ($PM (-0,95 %) )
- Realty Income($O (+0,49 %) )
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
Sodala, I've narrowed down my portfolio a bit and tidied up the savings plans.
Biggest shifts in the last few weeks:
MSCI World -> FTSE All World
AI & Big Data -> Nasdaq100
Random Ass Gold ETC -> Euwax Gold 2
Altcoins/Shitcoins -> Bitcoin
Larger multiplier for TR Saveback
I'm out of the "Poah, the theme ETF sounds cool, savings plan 50€ IMMEDIATELY" phase and I have to say, such a narrower portfolio somehow looks nicer too lol. I only kept a classic sector ETF savings plan, I just like it. The savings rate isn't really high either, you can just see what happens.
Here are the updated savings plans, feel free to add your comments. I like mustard
Monthly savings plans:
1.Nasdaq 100 $XNAS (+0,32 %)
(Acc): 305 €
2.FTSE All World $VWCE (-0,23 %)
(Acc): 100 €
3.Future of Defense ETF $ASWC (+0,14 %)
(Acc): 75 €
4.Gold: 50 € $EWG2 (+0,31 %)
5.Crypto:
-$BTC (-0,1 %) : 100 €
Reasons for Nasdaq100 as the largest savings plan:
1: I'm 20 and still have plenty of time to take a calculated risk and generate an excess return over the All World in the long term.
2: Falls harder (especially at the moment) than the FTSE,
Savings plans currently mean cheap, relaxed buying. Conversely, of course, the reverse is also true, but my long-term confidence in the (US) tech sector is so high that I don't see any problems in the distant future.
Among the ETFs on innovative defence, what are your thoughts on the composition of $IVDF (-0,21 %) vs $ASWC (+0,14 %)? The holdings of $IVDF (-0,21 %) seem to me more volatile, and to have had a sudden surge in the last months, rather than a steadier increase as those of $ASWC (+0,14 %). On the other hand, I appreciate that $IVDF (-0,21 %) is less exposed to cybersecurity and more to space and robotics, and has an exposure also a bit to energy and health sectors.
I just closed my entire $DFEN (+0,15 %) position after a very good ride last year, switching it with the new $IVDF (-0,21 %) because the VanEck ETF is currently too exposed to $PLTR (+4,15 %) and with this structure it does not help me in my portfolio diversification (that is mainly tech, but I also believe that Palantir may not offer good earnings in 2025), while the new Invesco $IVDF (-0,21 %) has a very cool and balanced composition ($RKLB (+9,22 %)
$KTOS (+2,2 %)
$AVAV (-0,26 %)
$LDOS (-0,54 %) to name few) and also a much lower TER.
From my point of view this is the best ETF for anyone looking to invest in the Defence sector at the moment (and I also had been invested on $ASWC (+0,14 %) last year, then I decided to go completely on $DFEN (+0,15 %) until today).
NOT FINANCIAL ADVICE!!! 👀
I invest €150 in FoD every month, what do you think of the ETF? There was definitely a big upward movement due to the Trump victory.
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