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36Big positions right now in $NVDA (-1,14 %) and $ASML (+1,03 %) I want to grow my portfolio by adding $SIE (+1,5 %) , $TSM (+1 %) , $IFX (+2,74 %) and $MSFT (-0,16 %) when the stock prices will be down. My focus is long term growth.
Any recommendations?
$NOVO B (+2,22 %)
$ASML (+1,03 %)
$NVDA (-1,14 %)
$1211 (+0,69 %)
$VWRL (+0,28 %)
$SMEA (+0,28 %)
$VUSA (+0,09 %)
#portfoliofeedback
#beginnerinvestors
What I had planned to do:
Besides the $VWCE (+0,19 %) which is my largest position in the portfolio so far, the ETF's $SMEA (+0,28 %) & $AEJ (+1,03 %) with a higher savings rate.
This approach is going according to plan. Due to a significantly higher salary as a result of completing my training, I am only changing the size of the savings plan here.
I just want to achieve the same buy-in here. However, to be honest, this is only for an optical reason.
Some shares have clearly exceeded the 10% limit.
I have been saving large amounts of money in the stock itself since November 24. At least until I started thinking about portfolio management and investment strategies.
As a result, Apple was the top position in my portfolio during the slump.
It is now in second place with 20% of the portfolio. But that doesn't look so good due to the red figures.
I have set up a savings plan for this, which I pay into weekly with a small amount.
The aim is to reduce my buy-in and this has worked well so far, from over 12% down to 8% down.
The share has been in my portfolio for some time, but has been in the red for a long time.
I had decided to $MSFT (-0,16 %) & $SIE (+1,5 %) to sell. Both shares have generated good returns and I have been happy with them so far. So I thought "why not?".
I reinvested this money and wanted to reduce my buy-in of the Telekom share. Let's see how that goes.
I don't have much to say about the rest of the individual stocks. You can take a look at the portfolio yourself and ask any questions you may have.
Just a few months ago, I decided to split my salary at the end of the month on a percentage basis. This means that part of it goes into the custody account, part into the vacation account and part into the reserve account.
As I said, I was never taught how to handle money. This approach didn't work out at all.
Money came in -> money was divided up -> I ran out of money -> money was transferred back.
That sucks.
The only thing I never touch is the deposit. The custody account reminds me to grow financially and what my actual goals are. In addition, there are fees when selling, or the red numbers of the course: "if I sell now I have the amount "XY" REALLY made a loss.
Hence the attempt:
To put the portion of my vacation money into the Gerd Kommer ETF every month. $GERD (-0,01 %) every month.
If the money is invested. I can't blow it. Even if the attempt fails and I go down 10%. In the end, it's still more than nothing.
In an emergency, I can also sell a single share and buy or sell it afterwards at a good price. If the timing is bad for a partial sale.
Overall, I can't get rid of the feeling that I should at least give it a try. I've been thinking about it for a while now.
I'm just still unsure whether the accumulating ETF was the wiser decision.
Thanks for reading and for your attention :)
Hi Getquin Community,
Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.
About my savings plans:
Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).
I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (-0,17 %) , $AMZN (+0,57 %) , $AAPL (-0,45 %) ) should continue to grow.
I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (+0,69 %) would have been the classic choice.
I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (-2,27 %) buy.
Should be removed from the portfolio:
My main trading brokers are TradeRepublic, Scalable and Deka.
I would be very happy about constructive criticism, suggestions and of course praise ;)
Dear Community,
I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.
First of all, my situation:
I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.
I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.
I follow the following strategy: Buy & Hold
What do I invest in each month?
I also save through VL benefits:
All dividends from all securities are reinvested in $TDIV (+0,07 %) .
This brings me to a total of €536. A crooked figure, that's true, but it works best for me.
The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.
My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.
I'd be interested to hear your opinion on this in the comments!
Hi, since I find it really interesting to look at other portfolios, I thought I'd share mine as well.
My story: I'm 20 years old, started a savings plan on an ETF for the first time in November 2024 and then decided to invest in cryptos for a short time. I was never really taught how to handle money. For the first 2 years of my training, I had my account in the red for all sorts of shit. Thanks to a second job, I was able to afford a savings plan with ETFs and individual shares worth €600 for a few months as an apprentice. Now that this is no longer the case, I've made the decision to invest in ETFs and (in my opinion) expensive shares such as $SIE (+1,5 %) or $MSFT (-0,16 %) to save.
I buy everything else when the price drops and have a good feeling about it for the time being.
I always have this "Mr. Market" example from Warren Buffet in the back of my mind.
In addition, I had considered setting a limit of 10% per individual share in the portfolio to reduce the risk of extremely falling prices.
This $VWCE (+0,19 %) was my first savings plan and I'm actually really happy with it so far, except that with a 60% share from the USA, it has given me a bit of a stomach ache over the last few months.
However, because my entire portfolio consisted of American shares. I was able to learn relatively quickly that you should diversify your portfolio across more continents.
In the end, I opted for $SMEA (+0,28 %) and $AEJ (+1,03 %) in the end.
Over the next few months, I will be saving in both with a higher savings rate than the $VWCE (+0,19 %) to balance out all 3 in percentage terms.
At the end of the love story, I would say that I got off lightly with a 3% loss.
What do you think? I'm really looking forward to hearing the different opinions.
Hi everyone!
I've been investing for almost a year now with a small amount of capital, mostly to get familiar with the world of markets and personal finance. I’m 26, conservative investor, and I’ve always kept my distance from trading, YouTube “gurus” and get-rich-quick schemes.
After some time learning and experimenting, I wanted to share my strategy and hear what more experienced investors think.
🧠 The idea: build a modular portfolio with global exposure. Instead of the usual split between developed and emerging markets, I prefer dividing by region — using two ETFs per region: one accumulating and one distributing.
Why both? Honestly, I’m still figuring it out — but I like the idea of having some exposure to dividends while reinvesting long-term. My goal is to reach €50,000 in savings as a milestone, partly because that’s the cap for earning interest on Trade Republic’s savings account (which I’m also using).
⚙️ I invest monthly (~€700) and aim to rebalance the weights annually. I selected ETFs with low TERs and (when possible) EUR-based to avoid currency conversion. It’s not always easy to find the perfect match, but here’s the setup:
ETF (Acc) --> $SMEA (+0,28 %) | ETF(Dist) --> $EQDS (+0,06 %)
ETF (Acc) --> $SPPW (+0,09 %) | ETF(Dist) --> $SPY5 (+0,09 %)
ETF (Acc) --> $EIMI (+0,69 %) | ETF (Dist) --> $IEEM (+0,99 %)
ETF --> $SGLD (+0,56 %)
The idea is to split each region’s weight equally between the two ETFs — that is, 50% of the region's allocation to each ETF. This results in a total TER of 0.289%.
Would love to hear your thoughts, feedback, or suggestions! Still very new to all this, so any insight from more experienced investors would be super helpful 🙌
Thanks for reading! 🚀
I want to make myself less dependent on the USA, so I'm giving Europe a try.
Let's see where the money from the $SMEA (+0,28 %) will be invested! 👀
I actually planned to take out my private pension insurance in 2024. Not to come, of course. (Or was too lazy)
Since I've seen a lot here, with 2-3% costs, I think I'm still doing quite well.
I took it out at the beginning of 2024 (then only started looking into it after it was taken out).
As stupid as you can be when you're young...
Or it just sounded too good from Tecis...🙈
Once there is the fund-linked private provision at Volkswohl Bund (€110.25 per month with dynamic)
45% $IWDA (+0,17 %) MSCI World
25% $EIMI (+0,69 %) MSCI Emerging Markets IMI
20% $SMEA (+0,28 %) MSCI Europe
10% $CPXJ (+0,21 %) MSCI Parcific ex-Japan
And secondly, the unit-linked Rürup pension, also via Volkswohl Bund with the same allocation. (100€ per month)
In fact, I have to say that I imagined it would be much worse. Let's see where I end up. In any case, the costs are only low for the ETFs listed 😂
Hello, GQ community!
I'm 50 years old and I'm very new to this interesting world of investments.
I believe it's never too late to learn something and start a new journey.
I plan to travel for about 15 years 🤞🏼🙂
I watched a lot of YouTube videos before deciding to switch to ETFs from simple deposit accounts. Actually I don't have knowledge yet to invest in individual stocks, so I'll go all-in on a few ETFs, trying to diversify a little bit. They say is good not to be entirely exposed to the US market, even though it should be every portfolio's core.
I started with a 5k allocation and I chose $IWDA (+0,17 %) as my core, $SMEA (+0,28 %) for the European market and $AASI (+1,17 %) for a share of emerging markets ( 👉🏼 I wanted them to be Asian only, but then I realized $AASI (+1,17 %) overweight US 🙄 Why its name is so deceiving?)
In short guys, by next week I plan to allocate another 20k to boost my portfolio and then saving every month.
I'd make $IWDA (+0,17 %) at least 50% of my position, I'm considering the purchase of some $EIMI (+0,69 %) shares (more focused on EM) and maybe soon a crypto ETN/ETC (I still have to understand which is the best offered solution from my broker).
I wouldn't exceed 10% for $WGLD (+0,21 %) and 5% for the crypto.
- Do you have any tips?
- Do I already have overlaps?
- Does make sense to save on some $IS3R (+0,17 %) shares just to get a tiny boost to my returns?
- Which would be the ideal % for every allocation?
[👉🏼 If I get a negative feedback about $IS3R (+0,17 %) and $AASI (+1,17 %) I won't sell them, but just let run as it is]
Thanks in advance for any precious opinion!
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