Hello everyone,

I'm 27 and still quite new to investing and I'm happy to have landed in a friendly and helpful community here 🙏🏼

I am currently planning to invest €250 per month in fixed savings plans and would like to build up assets over the long term.

I am considering investing in the $IWDA (+0,23 %) and the $CSNDX (-0,01 %) and the However, I'm wondering: should I add an EM ETF or perhaps an ETF like $VWRL (+0,18 %) that is a bit broader?

Also: distributing vs. accumulating - what do you think makes more sense in the long term?

Looking forward to your opinions and feedback! :)

Dear community, I'm in my early 20s and have been investing since the beginning of the year.

I initially started with a simple ETF savings plan and saved $IWDA (+0,23 %)
$CSPX (+0,32 %)
$CSNDX (-0,01 %) saved.

It was too much for me and $CSNDX (-0,01 %) and took it out just under 1-2 months ago and split it between the other 2 ETFs.

I am aware that my ETFs still overlap, but I would like to leave it that way for now.

I've been looking at individual shares recently and have added a few positions to my portfolio over the last few months.

I would like to keep a certain amount of security in my portfolio in the form of my ETF positions in the future. And to boost performance with individual shares, I have been working with $RKLB (+5,35 %) and $PANR (-1,26 %) somewhat "riskier" shares, but I see potential in them over the next few years.

$KAS (+4,76 %) was a penny stock at the time in which I entered blindly (unsuspecting and fresh at the beginning of my investments)

I'm still in training and therefore don't have much budget and still have smaller positions, so we'll see what the future brings.

Criticism and general feedback are very welcome THANK YOU 🤝

Hello everyone. I started my journey on the stock market in April and I definitely don't regret the decision.

(According to GQ since 2022, but I only tested the stock market and Bitcoin with play money of €125, but sold it again straight away and the stock market was then next to nothing).

I'm now in my mid-21s and still live at home. My strategy is to build the basis with the $SPYI (+0,26 %) ACWI IMI, and with the $CSNDX (-0,01 %) NASDAQ 100 and stocks (maximum 10) that are high quality and buy to hold and should yield good dividends in maybe 20 years (small side income). With $BTC (-0,24 %) or altcoins I am currently testing myself and trying to understand it better.

The $CSPX (+0,32 %) S&P 500 with €500 per month

This is for a possible house construction in 7-10 years. (I am aware of the risk)

On the other hand, I put €50 in the $IWDA (+0,23 %) MSCI World for my parents in 10 years when they retire and €100 in the $VWRL (+0,18 %) FTSE-all world as a fixed pension. (An additional €200 per month via insurance-linked provisions such as Rürup and private pensions)

The Nvidia position is only so highly weighted because I got in at 104 euros with my nest egg (2.5k). It was a risky move, but as I don't need any big reserves apart from my car, I thought, why not?

Future goal: continue to expand the base with ACWI IMI and NASDAQ, and also add a few individual stocks that are perhaps not so heavily weighted in the existing ETFs. $MC (-0,25 %) LVMH $OR (-0,71 %) L'Oreal or $MCD (-0,31 %) McDonalds, for example

The only thing I'm still wondering about in my first year on the stock market and don't know...tax.

I was thinking of selling the Nvidia nest egg position to take advantage of the tax-free allowance and have the money safely back in my account. The problem is that Nvidia is currently falling sharply. How do you do this or what is your advice? Or would you rather sell some of the ETFs? Thank you very much!

Portfolio feedback

Now that I've reached my goal for this year, I thought it was time to hear some different opinions from you.

Briefly about me: I am 19 years old and started investing in June this year. Thanks to my training salary, I have a monthly savings rate of €350, which is currently broken down as follows:

250€ in the $IWDA (+0,23 %)

100€ in the $EIMI (-0,21 %)

Now a few thoughts on my part:

I will probably stop the savings plan on the $EIMI (-0,21 %) as, in my opinion, it no longer has that much potential.

Furthermore, I will expand my portfolio by $BTC (-0,24 %) to my portfolio. The idea here was to change the savings plan on the $EIMI (-0,21 %) to Bitcoin.

I am also still young and therefore think that I can add a little risk to my portfolio. What can you recommend? I was perhaps thinking of a $VUSA (+0,32 %) or one $CSNDX (-0,01 %) even if this would significantly overweight my USA share.

Thanks to everyone who takes the time to read through this post🙏

Preparation for a temporary exit from the system.

Good morning everyone.

I would like to hear some suggestions on how you would proceed in my position.

I have been unemployed for almost 9 months now and only get rejections or no replies. I am from the logistics sector. I am 46 years old, currently live alone and have no children.

The economic situation in Germany is currently a challenge, ALG 1 is over at the end of March 2025. That means I need an alternative source of income if nothing changes by then. With my capital, there won't be any citizen's income anyway, and it will be almost impossible to hide the capital somewhere quickly. And in my situation, I don't want to be dependent on the state either, if at all possible.

In any case, I need a strategy to bridge the time after the end of ALG 1 benefits. Who knows how long it might take.

My aim is to cover my living expenses with the capital I have and, if possible, to generate a monthly cash flow of between 1500 - 2000€ net per month. That's enough for me to live a normal life, without big jumps of course. So my portfolio must be between 22000 - 28000€ gross per year.

The return is also secondary in this case, a high payout is important. This inevitably means taking on more risk.

I already have the $QYLE (-1,41 %) in the portfolio, but in this case I would invest my entire $VWRL (+0,18 %) and $CSNDX (-0,01 %) and add JEQP IE000U9J8HX9. Roughly speaking, I would need at least 300k in JEQP IE000U9J8HX9. I personally rule out individual shares for the time being.

Part of $QYLE (-1,41 %) may be sold to lend my brother the equity for the possible purchase of a property in Singen. But I'll get it back as soon as he sells his other apartment around the corner from me next year.

The only thing that worries me is the statutory health insurance. If I want to stay with voluntary statutory insurance, I don't understand exactly how the monthly contribution is calculated. About 12500€ a year is tax-free, because of the basic tax-free allowance plus 1000€ exemption.

Dividends are income, of course. The contribution for the GKV is calculated from this. But what if you live from your current account and cash? That does not generate any income. Is the minimum contribution for GKV calculated from this? I don't understand this system.

Perhaps someone can recommend who I should contact with this question. Health insurance company, tax consultant or lawyer? Which specialty?

In any case, I would like to hear your suggestions on how you would proceed in my case. Please without moralizing like part-time etc., because I don't want to sell myself for an apple and an egg or temporary work (yet).

Thank you very much

Broaden your portfolio to reduce risk? Tradingview Indicator

Who hasn't experienced this? You think you're diversifying with a new asset, only to realize that it's actually very similar to the rest of your portfolio. This doesn't create a real diversification effect, it's just packaged differently and you have almost the same exposure.

This is where my indicator comes in. It shows you how strongly your current chart (you can use just about anything here: from individual stocks like $PLTR (+6,35 %) to ETFs like $IWDA (+0,23 %) , bonds, crypto, commodities, economic data, etc.) with key markets such as the S&P500 $VUSA (+0,32 %) , the Nasdaq $CSNDX (-0,01 %) , the Russell2000 $XRS2 (+0,06 %) , the Dax $LYY7 (-0,47 %) , China $CNUA (-0,27 %) , gold $GOLD silver $PHAG (+0,78 %) , bonds or the cryptocurrency $BTC (-0,24 %) correlated. This allows you to immediately recognize whether a supposed addition to the portfolio actually changes anything or is basically just a clone of what you already have. Let's take an example: You think you are creating a counterweight to Europe with China, but you realize from the correlation that both markets are moving almost in sync. So you know that this "diversification" is of little use. Apart from the fact that Europe and China generally haven't done much for a long time, haha.

The interpretation of the values is relatively simple. High correlations (close to 1) indicate similar price trends, negative ones indicate opposing trends, and values around zero indicate that there is no clear connection. Bear in mind, however, that correlation is not the same as causality and often only shows indirect relationships. Moreover, historical correlation is no guarantee of future patterns. Nevertheless, this view helps to uncover possible misconceptions and develop more targeted diversification strategies to make your portfolio more resilient. The +/- ratio can now also be taken into account. This is because it often happens that one and the same asset correlates very differently with each other in different phases - sometimes very positively, sometimes very negatively. As a result, the average value can provide a misleading picture. The stronger these fluctuations are, the more percent of the time it is positively or negatively correlated. This is therefore an additional indicator to check how meaningful the average correlation actually is. So + value is the time where the correlation is positive in % etc.

Still to be optimized, that the correlation is not currently limited to certain time periods. For example, if you want to look at the relationship between MicroStrategy $MSTR (+8,98 %) and Bitcoin in isolation would have to exclude earlier phases in which MicroStrategy was still a real business and not a "leveraged closed commodity fund" as it is now. In addition to the ATH delta filter, I also plan to incorporate a moving average (MA) as a further trend filter. In the long term, I would like to integrate even more markets, for example emerging markets or non-USD bonds, in order to paint a truly comprehensive picture.

The correlation with interest rate expectations I have used $SHY (short-term government bonds) and $TLT (long-term government bonds). If the SHY falls, the market assumes that interest rates will rise over the next two years. In the case of TLT, this expectation relates to around 16 years and is effectively "leveraged" by the term. If the asset you have shows a high correlation to the SHY, it means that it is relatively sensitive to interest rates (like almost everything). But that would be too much to explain in detail. What is clear, however, is that interest rates play a major role for equities, especially for the Russell 2000, where many smaller, unprofitable companies benefit from low interest rates, as do mining companies with high levels of debt, for example. Of course, it is not the only correlation, but it is an important factor.

• Which other markets or assets would you include to bring more clarity to your analysis?
• Does the indicator even make sense?
• And is there anyone here with a statistical background who would like to go through the code to make sure that everything is calculated correctly or how it could be done better?

I don't know if this is an affiliate link, but don't think so anyway: this is advertising

https://www.tradingview.com/script/kRCxLnhY-Asset-Correlation-Check/

Good morning dear community,

I've been busy building up my portfolio recently and would now like to present my final selection.

Briefly about me, I am 23 years old and used to gamble with a lot of penny stocks. After I suffered a major loss last year, I stopped doing that and have been building up a growth-oriented portfolio for the last few months or am still in the process of investing in all stocks.

My investment horizon is long (at least 20 years plus), as I only invest money that is not needed. A corresponding cash position is available to be able to react to private matters.

Now to the portfolio:

As mentioned above, I follow a more classic buy and hold strategy, which is made up of growth-oriented stocks and some gold as another asset class for admixture.

My ETFs are currently saved through standing orders with a corresponding weighting.

My largest position is the $IWDA (+0,23 %) This is constantly being saved with the highest weighting and, together with my $EIMI (-0,21 %) a long-term basic investment and broad diversification in developed markets.

Added to this is the $CSNDX (-0,01 %) as I continue to focus on technology growth in the long term and am therefore invested in many interesting future-oriented companies.

Nevertheless, Europe should not be neglected and is also important for my diversification. To this end, I have selected $LU0224105477 selected. I chose this fund because it performs better in the benchmark test than other common Europe ETFs (measured over the entire term).

As mentioned above, I also have a small gold investment through $WGLD (+0,01 %) .

Finally, we come to my equities:

$PLTR (+6,35 %) , definitely an up-and-coming growth company for me in the area of Big Data and AI, (I've also been on board here since the beginning of this year).

$OR (-0,71 %) and $NOVO B (-17,74 %) were added to the portfolio because they are two strong market leaders in the consumer staples and healthcare sectors, which are fundamentally well positioned and, in my view, will bring long-term growth with corresponding quality through constant new innovations and developments. This allows me to diversify further by sector and country.

$RACE (-0,23 %) For me, this is a long-term runner from Italy. Thanks to its strong brand and exclusivity, Ferrari can separate itself from other car manufacturers and, for me, is a share with constant growth and secure profitability.

In the future, I would also like to invest in Japan as a percentage. Here I have placed my bet on a share with a large industry positioning, which can also be regarded as a qualitative long-term runner. It is $8001 (-0,17 %) .

$NU (-0,2 %) an up-and-coming fintech company that still has strong growth ahead of it. Nu Holdings has made an established name for itself and has also achieved significant fundamental successes and is aiming for further expansion. For me, this is an in-depth risk investment alongside Palantir, which I can enter into and am positive about.

Finally $OCGN (+0 %) . Ocugen is a biotechnology company for innovative gene therapies for the treatment of eye diseases. The share dates back to the earlier gambling days (Corona hype). I missed the jump back then and have been stuck here since 2020. Unfortunately, I have no further involvement with the investment and am considering selling and investing elsewhere (opportunity) or simply sitting it out until I return to profit.

That was my more or less "brief" portfolio presentation.

Perhaps I have been able to generate new ideas for some of you and I would be happy to receive feedback or stocks that I could include in the future or that I should take a closer look at.

Have a nice weekend everyone.

Hello dear Getquin users,

I started investing in April and started with a savings plan.

$IWDA (+0,23 %)
$CSNDX (-0,01 %)
$CSPX (+0,32 %)

In the meantime, I have also invested in individual actions and am getting more and more involved in investing.

Now my question: Is it more worthwhile to reallocate the ETFs and focus on a single ETF, in this case $CSPX (+0,32 %) ?

And if not, what are the advantages of continuing to invest in all 3?