4-5% of the total volume

Hello everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (-1,02 %)
• Emerging markets, $EIMI (-4,11 %)
• AI and big data, $XAIX (-1,29 %)

Smaller side bets were added later.

• Armaments, $DFEN (+0,9 %)
• uranium, $U3O8 (-5,94 %)
• batteries, $BATG (-6,29 %)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (-3,58 %) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (-0,81 %) ,$1SXP (-2,34 %) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (-2,5 %)
• $VHYL (-3,1 %)
• $ZPRG (-1,66 %)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0,15 %) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (-0,93 %) , 34 percent
• $IEEM (-4,41 %) , 26 percent
• $XAIX (-1,29 %) , 13 percent
• $EXSH (-1,59 %) , 26 percent

Side bets with 81 euros per month

• $DFEN (+0,9 %) , 62 percent
• $BATG (-6,29 %) , 10 percent
• $QYLE (+0,15 %) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

Hi ,

my name is Karsten . I have lived all the years of my life without paying much attention to stocks and stock markets. At some point I completed my VWL and saved monthly in a European equity fund, then a fund policy was added, which at least put its amounts into a good international equity fund. In 2020, I then started to get to grips with the stock market and saved monthly in ETFs - without going into the typical beginner's mistakes in detail :-) sometimes more, sometimes less, wildly into various ETFs, so that at some point there was an ever-increasing number of ETFs with a savings rate of around € 150 :-) 2024 then gradually gathered more information and for about a year now a consistent monthly savings rate in six ETFs, which I am happy with:

45% $IS3R (-3,66 %)

15% $VNRA (-0,45 %)

11% $LCUJ (-3,82 %)

11% $IEEM (-4,41 %)

11% $MEUD (-2,54 %)

7% $WSML (-2,51 %)

A few months ago I started to read more and more information about individual stocks, valuations, strategies etc. ..... And here I would just like to say thank you to many people here, for example @BamBamInvest , @Multibagger , @Tenbagger2024 , @Aktienfox and others !

I started investing in individual stocks about 3 months ago - 85% is consistently put into savings contracts, 15% of the capital is for individual stocks. I thought to myself, hey - people spend € 100 on golf or fitness clubs - if you have such expenses, these funds are invested in further stock education :-) The first month was a plus / minus zero game ( so better than the monthly fee for the golf club ), the last two months have averaged € 450 plus with a lot of learning effects and moments - what a pleasant situation : € 300 were put into the monthly savings plans and thus doubled the savings rate, € 150 invested for the family ( food / cinema ) - I am already aware that there are currently strongly rising prices / markets and it requires rather a certain skill not to make these small profits in this momentum. In any case, for the time being I've only looked at momentum / short-term stocks and now with $AMZN (+0,57 %) and $QCOM (-1,45 %) also invested in two stocks that I see as longer-term investments.

In any case, a big thank you for this community - it broadens my horizons immensely, including the fact that I now know many companies that are, for example, in the $VNRA (-0,45 %) and $WSML (-2,51 %) are listed !

If I have something meaningful to say, I will be happy to speak up more in the future, but I grew up with the value system "If I can't contribute anything, I'll just shut up" or as Roger Wilhelmsen once said so beautifully ." Where do most people get all their ignorance from"

Hi to the community, this is my 🥇 post here on getquin.

I started investing in the stock market and crypto market in 09/2022. Unfortunately a bit late at 24, but better later than never!

I would be interested in your opinions/suggestions/suggestions for improving my portfolio!

Briefly my perspective:

- This $BTC (-0,55 %) (and crypto in general) will be my largest position was never really planned that way, but of course I still like the returns. Crypto savings plans are currently paused because of the high price level and because I want to increase the ETF/share proportion.

- Otherwise, I'd say I'm using a core satellite strategy quite successfully $IWDA (-0,95 %) , $IEEM (-4,41 %) , since 2024 also $TDIV (-1,48 %) for cash flow in the portfolio and some individual stocks.

- My portfolio has never been cleaned out, but I plan to do that for the first time this year. Insb. $INRG (-3,5 %) and $MCF (-10,87 %) with high book losses are candidates to fill the loss offset pot and reduce the tax burden.

PS: Many crypto positions are so small because they were free giveaways on Bitpanda at the launch.

Hi all guys!!!

I would like to share with you my ideal portfolio allocation, as read from the title it is still a work in progress, I am slowly adding positions as opportunities arise.

A little context: I am 24 years old, a final year medical student, and I am slowly putting money aside that I can invest both through my part time job (preparing for the medical test and tutoring for first year exams) and through the savings I already had set aside. The platform I currently use to invest is Directa.

Let's say that my goal at the moment is to reach over the years an invested amount of 50k euros in ETFs and distribution stocks, ideally distributed as follows:

CORE

-30k in growth-oriented developed markets etf (10k/30k)

Those selected are. $FGEQ (-1,05 %) (10k/10k) , $TDIV (-1,48 %) (0k/10k) and $HMWO (-1,1 %) (0k/10k), so as to have income every month, as they distribute alternately;

SATELLITE

-5k in emerging markets etf (0k/5k)

I chose $IEEM (-4,41 %) to diversify;

-5k in high-distribution etf (2.5k/5k)

In this category I own. $VHYL (-3,1 %) ;

-5k in active option-based etf (5k/5k)

Here I have already completed my position in $JEGP (-0,83 %) , which by the way distributes monthly ;

-5k in single Italian stocks (0k/5k)

In this category I have already selected some of the possible additions, such as. $PST (-2,89 %) , $ISP (-4,38 %) e $TRN (-3,66 %) , but at the moment the prices are too high and I am not willing to buy now;

Considerations and Strategy Explanation: I start by saying that I know that at my age it would be better to buy accumulation instruments for the best taxation and growth over time, but personally the idea of receiving a monthly cash flow (albeit still small) without having to do anything at all has an important psychological impact, and seeing it grow slowly gives me a lot of satisfaction and motivates me to continue on this path. I started immediately by positioning myself on high-dividend etfs such as $JEGP (-0,83 %) e $VHYL (-3,1 %) so that I already had a small boost in the strategy; I hoarded $FGEQ (-1,05 %) during the first week of April by taking advantage of the flash crash that took place, and now I am accumulating liquidity in anticipation of another possible reversal: ideally the next move will be to start accumulating shares of $TDIV (-1,48 %) to diversify in currency as well: last note, the etfs chosen are also from different issuers so as to diversify in this aspect as well.

Let me know what you think!

I'm due to make an annual adjustment to my savings plans.

I have the following picture in mind:

Category
ETFs
Monthly share (total: 630 €)

1) Global broad (Core)

$VWRL (-2,36 %) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (-3,1 %)
$EUHD (-1,52 %) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (-0,49 %)
$XNGI (-0,37 %) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (-2,54 %)
$WSML (-2,51 %)
$IEEM (-4,41 %) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-3,83 %) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)

Hello dear GetQuin Community.

I would be interested in your thoughts on the following positions, I have been thinking about investing in them for a while.

What do you think?

$IEEM (-4,41 %)

$AI (-0,83 %)

$CVE (-1,29 %)

$NOVO B (-1,95 %)

$TSM (-3,64 %)

Hi getquin community,

my first post so bear with me :).

As you can see from the title, I'm looking for Etf's at ING that are suitable for savings plans, as the junior accounts have finally been activated. I want my children (she 9, he 5) to have a small financial cushion in the stock market when they come of age, in addition to the classic savings we have started since birth.

The following considerations:

I suspect that some people will recommend an accumulating ETF, but I would like to motivate them to continue saving at 18 and see the dividends as a psychological "motivation" to do so.

100% in the $VWRL (-2,36 %)
80% in the $VWRL (-2,36 %) and 20% in the $IEEM (-4,41 %)

I know, not exactly the most exciting strategy, hence the post for a bit of input from the community.

Have a pleasant Sunday evening.

Greetings

Hello everyone,

I'm from Spain and I'm following a dividend investment strategy as I want to take advantage of the relatively low tax burden of only 19% on dividends in Spain. My portfolio is a combination of ETFs and individual stocks, trying to find a balance between growth and high dividends, as well as between developed and emerging markets.

First, an overview of my ETFs, which I can divide into two categories:

• Emerging Markets:
• $IEEM (-4,41 %)
  iShares MSCI EM ETF: Growth-oriented (Growth)
• $HDEM (-1,27 %) Invesco FTSE EM High Dividend Low Volatility ETF: High dividend yield (High Yield)

• Developed Markets:
• $ISPA (-2,5 %)
  iShares STOXX Global Select Dividend 100: High dividend yield (High Yield)
• $GGRP (-1,48 %)
  WisdomTree Global Quality Div Growth: Growth-oriented (Growth)

These ETFs cover different regions and strategies: some focus on dividend growth, while others target high dividend yields. I also have positions in both emerging and developed markets.

My individual stocks:

• $O (-0,56 %)
  Realty Income because it is the typical dividend stock that almost everyone has and it is known for stable monthly distributions.
• $EOG (+0,05 %)
  Resources I like because of its strong ability to grow dividends and solid growth potential in the energy sector.
• $CB (-0,68 %)
  Chubb Limited I have included in my portfolio because Warren Buffet has invested in them. They also offer good dividend growth and have strong upside potential.

I would be very interested to hear your thoughts: Do you think this strategy has potential for success in the long term? Are there areas where I might need to diversify or consider a different approach?

Thanks in advance for your opinions!

This text was created with the help of artificial intelligence, as I am not a native speaker of German.

Hello dear community,

today I would like to ask you for feedback on my portfolio.

Briefly about me, I am just in my early 30s and started investing after my studies in 2019. After my apprenticeship and a short time as an employee, I successfully completed my studies, which I paid for with jobs during the semester break. As traveling, living and self-financing were very important to me during my student days, I had exactly €0 in my account at the start of my second working life.

I then started investing smaller amounts in 2019. Money has been flowing into my account really regularly since 2021. During my time as an investor, I made a lot of mistakes, sold too early at the beginning, then bought Canadian penny stocks with my roommate, but fortunately only in moderation. I am not pursuing a pure growth or dividend strategy, but would like to have a balanced portfolio mix. My investment horizon will be until I retire, so I will have a few years left, around 30-35. As I earn relatively well, my savings rate is around €1000 per month, which is divided between ETFs and individual share savings plans. To all those who don't like savings plans in individual shares - for me they are a good tool and I don't regret it. I also make individual purchases from time to time.

About my stocks. Many of you will no doubt mention the duplications in my portfolio. First of all, I would like to talk about the world ETFs. Initially, I had an MSCI World $AHYQ (-2,01 %) and additionally a $IEEM (-4,41 %) . I have kept these in my portfolio, but now I am saving the $VWRL (-2,36 %) instead, as I have found it to be better for me personally and it still covers a small proportion of EM. As I am an employee of a large company, this stock is relatively well represented in my portfolio due to an employee share program and will continue to grow.

I am currently considering $META (+0,82 %) , $AMZN (+0,57 %) , $MSFT (+1,87 %) and $AAPL (+0,14 %) selling my individual shares one by one and investing the capital in $VWRL (-2,36 %) (taxes then become a nasty issue). I would collect these again in another market situation and then possibly sell them again. There are also other duplications here, such as $MUV2 (-3,42 %) , $ALV (-2,77 %) or $KO (-0,35 %) , $PEP (-0,72 %) or $MO (+0,58 %) , $BATS (-2,64 %) , etc. My idea behind this is to avoid a cluster risk.

In future, I would like to increase my holding in $VWRL (-2,36 %) and expand the individual shares with smaller amounts. If there are favorable opportunities for individual shares, I may take them. However, I don't really want to increase my number of positions significantly. Why don't I invest in an accumulating world ETF? Quite simply - I dream of being able to retire earlier and live off my dividends. I don't know if I can achieve this and would be more likely to do so with an accumulating one --> maybe, but I just feel comfortable with my few dividends at the moment.

In addition to my custody account, I currently have a small 5-digit amount in Trade Republic, which earns 4% interest. Maybe it will turn into a small property. As long as I have the 4 or 3.75%, I'm happy with it for now.

I'm actually very happy with my portfolio performance, although it could have been better if I hadn't made any mistakes at the start. I am reinvesting all my dividends and would like to break the magic 100,000 portfolio value next year.

I hope I haven't forgotten anything important, otherwise just ask me about it.

AND I am happy to receive tips, suggestions and angry comments as to why I don't have an accumulating ETF :)

Thank you.