Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+0,94 %) , $O (-0,26 %) and $ATO (-1,4 %) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (-0,63 %)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (-0,32 %)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (+0,19 %)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (-0,32 %)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (-1,17 %)

50 €

FTSE Emerging Markets (Dist)$VFEM (+0,34 %)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (+0,09 %) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

A little added.

$CSPX (-0,77 %)
$IWDA (-0,63 %)
$XDWD (-0,64 %)

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 (-0,64 %)
$WEBN (-0,63 %)
$VHYG (-0,17 %)

A 70/30 portfolio from iShares would also be an option.

My insurance advisor has already made a suggestion:

40% $IWDA (-0,63 %)

20% $EIMI (+0,41 %)

7,5% $CBUX (-0,41 %)

15% $MEUD (+0,03 %)

7,5% $XAIX (-0,57 %)

10% $SRS22H

I would like to hear your opinion on this.

What can I change?

I am very happy about feedback 🤲🏼👄

$MRVL (-1,24 %)

$BTC (+0,09 %)

$ETH (+0,26 %)

$XRP (-0,18 %)

$PANW (-1,43 %)

$IWDA (-0,63 %)

$CSU (+0,25 %)

As my call money with a current interest rate of 3.75% expires in September and will be adjusted to a ridiculous 0.75%, I am currently looking for an alternative.

Either shift everything into the $XEON (+0,01 %) completely into the $IWDA (-0,63 %) or go back to overnight money hopping. Investments in kind with Timeless are also nice to have but are out of the question for me with 40k and P2P loans via Mintos etc. also have too high a risk of collapse even with the "buyback guarantees".

What do you think, is Firefish an alternative?

Investments via Firefish function as a peer-to-peer (P2P) marketplace for Bitcoin-backed loans. Investors can lend money in the form of fiat currency (e.g. euros, US dollars) and receive fixed interest in return, which is fully secured by Bitcoin as collateral. The borrowers' bitcoins are deposited in non-custodial multisig smart contracts, which means that Firefish itself has no access to the crypto assets. The bitcoins are therefore stored securely and serve as over-collateralization for the loans.

The interest rates there are significantly higher (6-15%) and due to the LTV deposit of 50%, the multisig contract custody and the automatic liquidation in the event of a fall in the price of BTC, I think the risk is quite low.

I look forward to your opinion on this. 👋

https://firefish.io/

is done!

I am positively surprised. It went quite well, even though The Donald did everything he could to sabotage it (I know there will be lean years ahead).

I have now reduced my US share in the portfolio from around 70% to around 55%. I should be broadly diversified enough with $IWDA (-0,63 %) and $TDIV (-0,32 %) as a core.

Otherwise it's buy and hold. Growth and dividend stocks. The smaller positions will be sold or enlarged over time as opportunities arise.

At the moment, however, I am still working on the core.

Hello everyone,

as I am still quite new to this, I would like to get some opinions/tips on my portfoil.

I would like to slowly build up a dividend/growth portfolio via savings plans.

A classic $IWDA (-0,63 %) is of course also included (I save €80+ per month).

I only save small amounts (€20, €5 a week) in the dividend shares/ETFs each month as I'm quite young and don't have that much on the high side yet and, as the saying goes, the marmot feeds slowly.

I have already realized some profits.

$ALNEV (-11,17 %) It was a classic mistake, but I think everyone has to make the same mistake with penny stocks😂I'll keep the position running in the hope that it will come back at some point.

The value at $1211 (-2,76 %) should not normally be correct, but should be around an average price of €15.46.

Since, as already mentioned, I don't have that much money, I'm trying to realize profits accordingly and enter again if there is a setback.

What is your opinion on this? And what/which share would you recommend?

Many thanks in advance!

#portfolio
#dividende
#stockanalysis
#etfs

Hello everyone,

My husband and I are about to buy a house. The new house is supposed to cost €750,000... plus costs such as the kitchen, floors, garden, utilities, etc., of course.

We have done some calculations and are thinking about using between €125,000 and €150,000 of our €225,000 capital so that we get a good interest rate and the monthly installment is not too high, as the construction will take 2 years (with demolition of the old house) and we are also paying rent.

However, we both have a good cash flow, around 10-11k net per month together.

What do you think? What should I sell and when? Get half of everything out quickly? Stop loss everywhere so that we don't take another crash with us? I think we'll have to pay the first installment in the fall, the purchase of the property and ancillary costs.

Maybe someone has some experience :)$AIR (+1,62 %)
$NVDA (-2,11 %)
$1211 (-2,76 %)
$IWDA (-0,63 %)