Thank you, Trump, for bringing the market down I was able to buy again. $VWRL (-2,49 %)

Vanguard FTSE All-World ETF
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787📊 Why ETFs such as the FTSE All-World are often better in the long term than supposed "bargain" stocks such as Novo Nordisk or UnitedHealth
The same thing happens again and again: Stocks like Novo Nordisk
$NOVO B (+1,26 %) or UnitedHealth $UNH (-6,32 %) lose a lot of value and suddenly everyone senses a great opportunity to get in. "Now the share is cheap!", they say. But be careful: a falling share price does not automatically make a share attractive.
There are almost always reasons for share price falls. In the case of UnitedHealth, for example, political risks and growing competition in the healthcare sector are causing uncertainty. At Novo Nordisk, the hype surrounding weight-loss drugs is being held back by real supply problems and high valuations.
Many investors are buying into the falling knife because it looks like a "bargain" but price does not equal value! A company that costs 30-60% less today can still be too expensive if the prospects are poor.
👉 Instead of betting on individual stocks, broadly diversified ETFs such as the FTSE All-World $VWRL (-2,49 %)
$FWRG (-2,4 %) provide a better balance of risk and return:
- More than 3000 companies
- Cross-sector - tech, pharma, industrials, consumer, financials, etc.
- No cluster risk: if one company stumbles, others pick it up
- Proven Long-term return of 6-8 % p.a. over decades
Additional tips from the Lord:
If you are still looking for excess returns or additional diversification, get 2-3 more satellites such as Bitcoin $BTC (-1,1 %) , gold $ZGLD or a Nasdaq Etf $XNAS (-3,21 %).
Conclusion:
Buying cheap is good, but only if you know what you are actually buying and not because the price was there once and has now fallen by a few percent. This is not the way to strong returns in the long term, but only entertaining gambling fantasies. Better go to the casino for that! Individual stocks can dazzle in the short term, but disappoint in the long term. An all-world ETF is boring but exactly the opposite in terms of returns.
Thanks for reading your Sith Lord Vader!
#etfs
#crypto
#growth
#personalstrategy
#ETF
#Investieren
#FTSEAllWorld
#Finanzbildung
#LangfristigInvestieren
#Vermögensaufbau

Bitcoin and ETF per savings plan 👍
1.8.25
Today I got rid of some of my winners and shifted further into my ETFs.
I have sold:
$CL2 (-5,77 %) +5% this fine ETF, also known as holy amumbo, will be rebuilt right next week via savings plan.
$TXRH (-3,43 %) +13% whether this will not become a tenbagger in the long term and was therefore a stupid sale?
$JPM (-3,75 %) +20%
$V (-3,35 %) +25%
$CAT (-3,39 %) +26% I suspect that we are at the end of the cycle here. But who knows for sure?
$LULU (-5,1 %) -10% good numbers, very bad chat history, but at least it saved me some taxes.
$RKLB (-3,91 %) +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 (-2,49 %) at €129.48 🥱
and
$EQQQ (-3,23 %) at 481.75 € 😎
📈 My monthly savings rate
Core:
- 340 € Vanguard FTSE All-World $VWRL (-2,49 %)
- 85 € SPDR MSCI World Small Cap $ZPRS (-2,17 %)
- 75 € Amundi Stoxx Europe 600 $MEUD (-1,9 %)
Satellite:
- 75 € ASML $ASML (-2,1 %)
- 40 € FTSE India $FLXI (-0,7 %)
- 20 € VanEck Defense $DFEN (-2,16 %)
- 20 € WisdomTree Europe Defense $EUDF (-1,45 %)
- 10 € HANetf Future of Defense $ASWC (-2,26 %)
- 20 € WisdomTree Coffee $COFF (-7,48 %)
- 24 € Bitcoin $BTC (-1,1 %)
- 16 € Ethereum $ETH (-3,93 %)
I am focusing on a broad core-satellite strategy with ETFs, individual stocks, themes and crypto.
How is your monthly savings rate divided up? Where would you weight differently?

ETF core continues to grow,
today supplemented by 111 shares of the $VWRL (-2,49 %).
Keep it simple
Global Equity Premium ETF, HSBC and the recently acquired small Nestle position sold and shifted into the All-World ETF. I have been toying with the idea of moving everything into the FTSE All-World ETF for a long time, but am hanging on to some positions and the dividends.
In the future I will mainly invest in this ETF and let the other positions run.
ETF basic pension with BUZ
Hello everyone,
I am about to replace my current occupational disability insurance with a basic pension with occupational disability cover.
I currently pay €77 per month for my occupational disability insurance. If I don't become disabled, my paid-in capital will be forfeited. In the event of disability, I would receive a monthly pension of around €1,900 with my current insurance.
I have now been offered a basic pension from Alte Leipziger, which I can also claim for tax purposes. This is not possible with my current contract. With my gross annual salary, this results in tax savings of around 45.4% and a subsidy rate.
The monthly costs for the basic pension would amount to around €115 after tax, without tax deductions it would be around €209 per month.
The cover amounts to € 2,500 per month (the higher amount is due to social insurance), which also corresponds to around € 1,900 in the event of occupational disability. A performance of 6% is required.
I can choose the ETF myself.
My question is: would you choose an ACC or DIST ETF?
You can choose, for example, the $VWRL (-2,49 %)
$WEBN (-2,89 %)
$VHYG (-1,58 %)
A 70/30 portfolio from iShares would also be an option.
My insurance advisor has already made a suggestion:
40% $IWDA (-2,5 %)
20% $EIMI (-2,16 %)
7,5% $CBUX (-0,66 %)
15% $MEUD (-1,9 %)
7,5% $XAIX (-3,97 %)
10% $SRS22H
I would like to hear your opinion on this.
EU is weighted higher than the market here. If that's what you want, there's nothing wrong with it.
70%/30 would mean 70% $IWDA 30% $EIMI?
Then I would take 70/30 or the $WEBN.
Possibly even the $VWRL, as the Prime is cheaper but I don't know the tracking error. After a brief AI search, the vwrl seems to have a very low tracking error. The AI can't find any figures for the Prime, but according to the provider it should be less than 1%. So much shot out of my pocket...
What about the costs in your contract? Have you compared them with the existing contract? (Duration of the contract, abstract reference, etc.) It might be cheaper to leave the old BU and set up a new pension plan. Look at how the costs are divided up. I suspect that one part will be used for the BU and one part for the basic pension. I'm also not sure whether the full price of the combined product is deductible.
My first WINC dividend payment, nice income alternative to VWRL
$WINC (-1,56 %) Total return is very to close to $VWRL (-2,49 %) but pays out more dividend. Payment below is 3.17% in one quarter.
Depot update 07/2025
Here is my portfolio after the reallocation to the $VWRL (-2,49 %) .
Now I'm thinking about the weightings and new asset classes.
Investment horizon: Forever - no withdrawals planned.
I started in 2019 as a working student.
Current savings rate: €3,000
I'm also looking for ways to split my savings plan.

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