May or may not bring volatility.

I am looking forward to the next 2 weeks and especially to June 1

By then, all market participants will have adjusted to the new weightings.

Are you somehow hedging your bets or just watching?

$HMWO (-0,37 %)
$NVDA (-0,71 %)
$MSFT (-0,1 %)
$AAPL (+0,05 %)

On this occasion - a strong last few weeks for my portfolio.

Target 1: €350,000 in 2026

Target 2: €400,000 in 2026

Below is an overview of the savings plans.

(Let's see how long I can maintain them in this form. A few costly events are on the horizon 😌)

$HMWO (-0,37 %) 1.000€

$IUIT (-0,6 %) 1.000€

$TDIV (+0,08 %) 1.000€

$SHL (+0,29 %) 250€

$MUV2 (+1,3 %) 250€

Now my current thoughts - feel free to give your opinions. Maybe they'll help me to sort things out 😉.

1) My portfolio is tech-heavy. As a result, I'm wondering whether now would be the right time to take a few chips off the table.

This means, for example, selling the $XAIX (-1,52 %) and put them in the $TDIV (+0,08 %) for example.

2) $LVMH and $PG (+0,36 %) )

I don't know... I don't see much chance of an improvement in the near future. I'm quite heavily in the red. Would rather put the money in an ETF to reduce the individual share positions. The only question is whether I should "speculate" on a bounce and then sell or hold for the long term. Difficult.

3) Savings plan $MUV2 (+1,3 %)

The share cools down a little. Is it possible to cancel the savings plan here in order to do something good for the call money again?

4) $SHL (+0,29 %)

The share is doing... Badly.

Savings plan is running because of an employee program.

It should be checked whether the program pays off at all given the performance.

The remaining positions, i.e. $GOOGL (-1,24 %) , $AMZN (-0,85 %) , $BLK (-0,53 %) , $KO (+0,33 %) , $MCD (+0,4 %) , $RKLB (-1,33 %) , $V (+0,37 %)

I tend to leave them untouched. Maybe take a few profits now and then to benefit from the brutal rise in some shares - but it will remain within reasonable bounds.

Thanks for reading 😉

Feel free to give feedback.

Also on other points that you think need attention.

Have a great weekend!

The $IWDD now appears to be tradable at Scalable Capital.

It distributes its dividends quarterly from January. This could be particularly interesting for those of us who are building up a dividend portfolio that pays out monthly.

As far as I know, there has never been an MSCI World ETF in Germany that has this distribution interval.

I hope that I was able to make one or two people happy with this information 😄

💲 $IWDA (-0,46 %)
$HMWO (-0,37 %)
$XDWL (-0,4 %)

#️⃣ #dividenden

Hello and hello little favorite bubble,

for the $HMWO (-0,37 %) the second distribution this year has been scheduled for 15.05.2026 - ex-date is 23.04.2026 - and stands at 0.1504$, which is currently 0.12€.

This represents an increase of 9.06% compared to last year's second distribution ($0.1379).

A total of $0.2578 was distributed in 2026, which is an increase of 8.05% compared to the previous year ($0.2386).

📊 MSCI World facing historic reform - What investors need to know now (in my case the $HMWO (-0,37 %) HSBC MSCI World ETF )

Many investors invest passively in the MSCI World - often via ETFs such as the HSBC MSCI World UCITS ETF. But what many don't realize:

One of the biggest structural changes in the history of this index is due in May 2026.

I have summarized the most important points in an understandable and well-founded way - including a classification of what this means for us in concrete terms.

---

🔧 1. the major reform: change to the free-float methodology

The most important change will come into force on June 1, 2026 (after close of trading on May 29)**. MSCI is reforming the calculation of the so-called *free float*.

👉 Until now:

Rough rounding of freely tradable shares

👉 New:

Three categories for more precise mapping of tradability**

* High: >25 % (rounding to 2.5 %)

* Low: 5-25 % (rounding to 0.5 %)

* Very Low: <5% (rounding to 0.1%)

📌 Objective:

A **more realistic and precise weighting** of companies in the index.

---

⚖️ 2. Impact on the largest companies

The change particularly affects the heavyweights in the index (e.g. large US tech companies).

Why?

👉 Even small changes in the free float can have major effects:

* slight reduction → weight decreases

* slight increase → weight increases

📊 Consequence:

Weightings shift without price movement

Capital is partially redistributed from mega caps to smaller companies

➡️ Result:

slightly **more diversification

slightly less dominance of the largest tech stocks

---

🔄 3. one-off but massive need for reallocation

As a result of the reform, the index (and therefore also ETFs) must be rebalanced.

👉 This means:

Many purchases and sales at the same time

Above-average portfolio turnover

📉 Possible short-term effects:

Higher transaction costs

Slight tracking error

❗ Important:

This is not a permanent disadvantage, but a one-off adjustment effect.

---

📅 4. schedule of the index checks

The reform will be implemented as part of the regular MSCI review process:

May 12, 2026 → Announcement (Semi-Annual Review)

May 29, 2026*l→ Implementation (after close of trading)

Further reviews:

* August 12, 2026 / August 31, 2026

* November 11, 2026 / November 30, 2026

* February 9, 2027 / February 26, 2027

---

🌍 5. further structural changes

🇬🇷 Greece could return

MSCI plans to upgrade Greece from Emerging Market to Developed Market.

👉 Consequence:

Possible inclusion in the MSCI World

however **very low impact (<0.5 %)

---

🌱 ESG model update (5.0)

A new ESG valuation model is introduced.

👉 For classic MSCI World ETFs:

No direct influence on index composition

but:

Better database

Influence on internal ETF optimization

---

₿ Crypto rule deleted

A planned exclusion of companies with a high crypto share has been scrapped.

👉 Result:

affected companies remain in the index

* No structural distortion in this area

---

⚙️ 6. Special feature: Sampling in the ETF

The HSBC ETF does not use a complete replication of the index, but a so-called **optimization process (sampling)**.

👉 Advantage in this phase:

Not every share has to be traded

Rebalancing can be done more efficiently

➡️ This helps to cushion the costs of the reform

---

💰 7 What does this mean in concrete terms for investors?

In the short term (May-June 2026)

Increased trading activity

Slightly higher costs possible

Minimal performance deviations

Medium term

more stable index structure

More precise weighting

Long term

👉 Overall **positive**:

more realistic market mapping

better diversification

structurally robust index

---

🧠 Conclusion

This reform is no trifle - but a **fundamental improvement of the index methodology**.

👉 Important for us:

No need for action

No timing necessary

No ETF switch required

📌 The changes are:

Systematic

Plannable

Beneficial in the long term

---

📚 Sources

MSCI: Index Review Dates

https://www.msci.com/eqb/pressreleases/archive/ir_dates.pdf

https://www.msci.com/eqb/pressreleases/archive/ir_dates.pdf

MSCI GIMI Methodology (February 2026)

https://www.msci.com/eqb/methodology/meth_docs/MSCI_GIMIMethodology_Feb2026.pdf

https://www.msci.com/eqb/methodology/meth_docs/MSCI_GIMIMethodology_Feb2026.pdf

MSCI Index Announcements

https://www.msci.com/indexes/index-resources/index-announcements

https://www.msci.com/indexes/index-resources/index-announcements

MSCI ESG Ratings Model Update 2026

[https://www.msci.com/downloads/web/msci-com/discover-msci/events/event-assets/2026/february/2026%20MSCI%20ESG%20Ratings%20Model%20Updates%20FAQ.pdf]

https://www.msci.com/downloads/web/msci-com/discover-msci/events/event-assets/2026/february/2026%20MSCI%20ESG%20Ratings%20Model%20Updates%20FAQ.pdf

Analysis reports (aktiencheck.de, extraETF, etc.) on the methodology

reform and ETF effects

@DonkeyInvestor removed all **** that chatgpt put in there especially for you. I'll never do it again, it takes far too long 🤣

Yesterday I sold all my shares and switched into my two 70/30 World/Emerging Markets ETFs.

I thought it might be of interest to some of you, so here is all the information:

I held individual shares with Trade Republic, €32,000 in total.

The sale took place in a matter of seconds. The money was held by Trade Republic at €15,000 at Deutsche Bank, the rest went into the money market fund. (Info under Cash - how your available cash is distributed)

After the sale, I immediately initiated the transfer to my account at Ing, where I hold my ETFs.

Transfer initiated at 11:45 am Arrival of the money at ~16:30 pm (unfortunately I did not receive a push notification)

As soon as the money arrived, I went straight back into the market and split it into the $HMWO (-0,37 %) and $IEEM (-2,19 %). I took the opportunity to rebalance straight away.

And now the question: why all this?

Did I no longer think the shares were worth buying? Yes and no.

I've learned a lot over the last few years and I've also learned the hard way. I bought good shares and made a profit and also bought shares that I sold at a loss.

The savings plan on the ETFs always ran alongside this.

I decided for myself that my core should really be the core and not 50% ETFs and 50% shares, as was the case in the meantime. Because I saw opportunities in so many shares.

This does not mean that I will no longer buy and hold shares, it just means that I now really hold a large part of my assets in ETFs.

I've never thought about selling ETFs before, but I do buy and sell shares from time to time.

I may have beaten the market for a year, but not in the long term.

And with this knowledge, I can now take the market return in my stride.

My goal was to hold 100k in shares (ETFs) by the time I'm 30. Because mathematically it would be enough to retire as a millionaire.

I haven't managed that yet, but I still have 10 months until I turn 31 for the last 15k.

I have the money in cash, but I just feel more comfortable having a cash cushion than being invested all in the market now.

I hope I've been able to explain my point and haven't completely stolen your time.

I look forward to your suggestions or opinions in the comments.

Here's to a green week.

*Edit:

Arrival of the transfer at 14:16 according to Trade Republic.

I paid a total of 116€ capital gains tax on the sale of shares. I had a full loss pot and first sold the shares at a loss and then those at a profit.

So the decision was not a big disadvantage for me in tax terms. (Despite shares with more than 100% profit in some cases)

This was my last savings plan execution for$HMWO (-0,37 %) and $HMEF (-2,36 %) (not in the picture). The two positions together have reached the size of my $VWRL (-0,64 %)-position and are therefore full.

In February, the first savings plan execution of $XDWL (-0,4 %) and $XEMD (-2,33 %). This will then take place once a month instead of twice a month.

The two smaller savings plans on $WHCS (+0,19 %) and $WITS (-0,81 %) will continue to run, but will also be changed from 2x per month to 1x per month (amount remains identical).

Why I am using several All World ETF / World + EM. Combinations, you can read here:

https://getqu.in/5DvtL7/

Hello and hello little favorite bubble,

for the $HMWO (-0,37 %) the first distribution this year has been scheduled for 24.02.2026 - ex-date is 29.01.2026 - and stands at 0.1074$, which is currently 0.092€.

This represents an increase of 6.65% compared to last year's first distribution ($0.1007).

Target 2026 for me Increase Etf share

Hello everyone,

after almost 1 1/2 years as a silent partner on gq, I have decided to have my portfolio taken apart 😋

A few words about me and then about my portfolio.

I am 31 years old, live with my girlfriend and our 4-month-old son in the heart of Bavaria in our small home.

My girlfriend and I both work as employees in an automobile company. (She is currently on parental leave, of course)

About my portfolio.

I started my investment career with physical precious metals and shortly afterwards with cryptos.

When it came to cryptos, I got carried away by friends, I didn't know my way around them back then (I probably wouldn't take such a risk today). Fortunately, this turned out to be a good thing in hindsight.

A good three years ago, I added the first of what are now three portfolios with different strategies.

Depot (presumably for retirement)

$IWDA (-0,46 %) / $MEUD (-0,65 %) / $CSPX (-0,26 %) / $EXS1 (-0,43 %) / $EIMI (-1,99 %) / $WSML (-0,45 %)

2.dividend deposit (for cash flow as a reward on the joint account)

$HMWO (-0,37 %) / $ISPA (-0,07 %) / $TDIV (+0,08 %) / $VFEM (-1,32 %)

3.JuniorDepot

$VHYG (-0,17 %) / $VWRL (-0,64 %) as an accumulator.

Both ETFs are being saved in because the grandparents are financing one of them and I would like to keep them separate and not open an extra custody account.

All custody accounts are saved monthly.

So much for me and my portolio.

I would be very happy to receive any criticism, suggestions for improvement or similar and wish everyone happy holidays ✌🏻