Hello everyone,

I am currently in the process of further expanding my ETFs. Unfortunately, I don't have enough time to deal with individual stocks and this will not change in the near future.

To the $VWRL (-5,82 %) (60% of the total savings rate) as the core, I also have the $TDIV (-5,2 %) and $FGEQ (+2,16 %) at 14% and 12% into the portfolio. In addition, I currently have the $IBC3 (-5,99 %) (7%) and the $COMF (+0,83 %) (4%).

At the moment I'm not sure whether I'd rather use the resources for the $IBC3 (-5,99 %) and the $COMF (+0,83 %) either in the $VWRL (-5,82 %) or add something else to the portfolio instead of the two (bonds or maybe $JEGP (-7,39 %))? or just let it continue? What do you think?

The aim is of course to make money in the long term. The dividends will be reinvested and, if it works out, used as additional income in retirement.

$BTC (-0,73 %) I will continue to draw dividends and the individual shares will remain buy & hold for the time being - until I have more time again.

I am grateful for tips, discussions and suggestions.

Best regards

Your fizzelfritz

So I decided to replicate the following ETF:

40-45% USA share I will replicate with $VUSA (-5,81 %) replicate

20% Europe I will map with $SPYW (-3,16 %) and $VERX (-3,26 %) and . I deliberately opted for these two ETFs because I've seen that when one goes well, the other goes badly and vice versa: If one goes well, the other goes badly and vice versa, and the version without the UK is doing much better than the version with the UK. However, as I think the UK is interesting, I will continue to hold my $VUKE (-2,84 %) and include it in the weighting.

On the other hand, I'm not sure whether I should hold the Eastern Europe ETF or throw it out ??? $EAST (-4,16 %) The UK has performed very well in recent months. What do you think?

10% Japan I am doing with $PR1J (-9,24 %) and $XDJE (-7,09 %)

10% Switzerland I will participate $EXI1 (-0,95 %) . Here I am not completely satisfied because of the large TER but I have not seen an alternative, possibly one from Xtraders but then the performance was no better.

10% Emerging Markets I do with $IBC3 (-5,99 %)

For the 5-10% commodities I haven't found the perfect stuff yet. I don't want gold and Bitcoin. Unfortunately, I'm still looking for them

https://app.getquin.com/de/post/dDcIztXuRJ/auf-der-suche-nach-einem-rohstoffetf-als-alternative-zu-gold-habe-ich-mir-uber-anderen-nickel-angeschaut-nickel-sicher-keine-gute

I might add 5% Canada, which would fit in well with the basic idea. I will have to observe and research this further.

Now I have a few questions:

Just keep Eastern Europe or include it completely in the 20% or sell it?

Establish the target allocation immediately or weight the savings plans so that they reach the end of the year?

Good idea for commodities?

I would like to add an etf to weight the EM portion a little more.

I am currently 100% in $VWCE (-4,9 %) I was thinking that the $IBC3 (-5,99 %) fit in quite well or what do you think?

if you know a better EM, please let me know

Hello everyone,

I am currently invested with ING and in the following ETFs.

$VWRL (-5,82 %) - 80%

$IBC3 (-5,99 %) - a little additional Emerging Markets

$COMF (+0,83 %) - 5% resources

$XBAS (-6,11 %) - I'm personally a big fan of Singapore and go there several times a year (it's more of a trial and a very small position).

Now I am thinking about either $FGEQ (+2,16 %) or in the $VUSA (-5,81 %) (but possibly too many duplications with $VWRL or another S&P500 ETF so as not to have everything with Vanguard) into the portfolio. Unfortunately the $FGEQ (+2,16 %) is not eligible for savings plans at ING. What do you think? or do you have any alternatives?

Many thanks in advance

Hello dear community,

I needed your advice. I've just returned from Southeast Asia on business and I see this market recovering more quickly from economic "dents". People here are simply faster, more agile and more daring than in good ol' Germany.

I recently started investing in ETFs - currently in the All-World from Vanguard $VWRL (-5,82 %)

but would now also like to invest a little in an ETF for emerging markets and in an S&P500 (total <20%). Yes, I know most of it is covered by the All-World...

I have the following in mind:

$IBC3 (-5,99 %)

$LSPU (-5,86 %)

Can you guys give me any other recommendations / ideas? I am looking for distributing ETFs that are eligible for the ING savings plan. Thank you very much.

Hi there!

Question:

I would like to transfer my $IBC3 (-5,99 %) EM Dist. into the $EIMI (-5,64 %) EM Acc. There was a dividend payment on 28.3. which has not yet arrived. Can I still sell or do I have to wait until the money is in my account?

And yes, I'm impatient, I'd just like to get it done quickly.

#grueneostern Very satisfied. The portfolio will be 3 years old in April. 2022 was difficult but also took some opportunities that are now paying off, even the emerging markets $IBC3 (-5,99 %) are green for the first time in 3 years :D here's to the next few years:-)

In the individual stocks $WSM (-8,51 %) is a surprise after all. Followed by $AVGO (-8,98 %)
$HIMS (-11,04 %)
$KLAC (-8,98 %) & $NOVO B (-8,07 %)

Hello dear community,

I've been investing for a little over a year now and have learned a lot during this time. I've tried things out and looked for my strategy. It was important to me to just get started before thinking about it and wasting time working on the theory.

• My goal: to accumulate as much money as possible in the long term in order to have enough money at the age of ~40 (currently 23). "Fuck-You-Money" and not be dependent on anyone and be able to live off investment income at some point.
• Medium-term goal: in 2030: 100K securities account
• Short-term goal: to complete a bachelor's degree in finance in 2026

Net worth:

• 17K cash
• 7.5K gold (physical)
• 1.5K silver (physical)
• 12K securities account
• 1.2K crypto

Bottom line: just under 40K total capital

Now that I have searched for my strategy, I have found it and would like to pursue the following: a portfolio consisting of 65% ETFs and 35% individual stocks

30% $FGEQ (+2,16 %) Fidelity Global Income (distributing)

15% $VUSA (-5,81 %) S&P 500 (distributing)

10% $IBC3 (-5,99 %) MSCI Emerging Markets IMI (distributing)

10% $IMEU (-2,95 %) MSCI Europe (distributing)

35% Individual shares

In terms of individual stocks, I want to focus on stocks that appeal to me (whether growth or value). Do my own analysis, form an opinion and enjoy seeing people on the street who consume the products I am invested in and who therefore pay my dividend.

I am fully aware that some people say that I should go for accumulating products as I age. Yes, I could do that. But in Austria it doesn't make sense from a tax point of view and psychologically it's always fun when dividends are paid out into your account. In addition, many people think that you should only switch to distributing products once you reach a certain age and then change over. I will save myself the trouble of switching because I have been invested in distributors from the outset.

Now I would like some constructive input from you.

• In your opinion, does it make sense $IWDA (-4,39 %) (MSCI World) and $VHYL (-3,61 %) (All World Dividend) and put everything into the $FGEQ (+2,16 %) which I will save in from now on? Or would you keep these positions?
• How would you manage the overweight in precious metals? (Largely gifts)
• How would you bring the high cash holdings into the market? (Keep 5-6K nest egg)

Crypto will definitely be liquidated this year and reallocated to the portfolio.

Further education and increasing human capital will be pursued on the side anyway.

Many thanks for your ideas and feedback in advance!

Hi there,

I wanted to do some reallocating now or pay in enough so that the positions fit again. My goal is to save for at least 20 years and to have a nice sum for our son for his studies etc. The savings rate has now increased to €300

I would like to invest 20% each 10% in $BTC (-0,73 %) and $ETH (-0,69 %) in the portfolio. and reduce my $IBC3 (-5,99 %) to 20% and the rest to $XDWL (-4,91 %) and $FGEQ (+2,16 %) 30% each.

Do you think 20% is too much for crypto?

I would be grateful for any opinions and suggestions.

Hello, Getquin community. I am a software engineer living and working in Germany since 2021. I started investing in May 2022 when my wife also started working as a software engineer. I started with wealth management at Scalable Capital, but after doing a lot of research and gaining knowledge about the stock market, I decided to take the helm myself. I left wealth management in May 2023 and started investing on my own. Initially, I invested in 1 million different ETFs and shares, but gradually I realized my mistakes and formed a strategy that I have been trying to stick to since last summer.

My savings plan:

Monthly amount: €2,000

$IWDA (-4,39 %) - €1,000: I am interested in macroeconomics and think that this index and ETF are a good indicator of the global economy and that I can benefit from global economic growth.

$VUSA (-5,81 %) - €400: I know that this ETF has a lot of overlap with the $IWDA (-4,39 %) but I like the small dividend payout of $VUSA. (-5,81 %)

$XD5E (-2,96 %) - €300: I live in Europe and like the stability here. I know the growth forecast for the European economy is not very attractive, but I think this region has a lot to offer. The ETF is made up of so many great stocks and I just want to be exposed to them a bit more.

$IBC3 (-5,99 %) - €300: Even though China is struggling with the recent collapse of the real estate market and there are also a lot of geopolitical risks in this region this year, I want to give a little more weight to emerging markets. India and Taiwan in particular.

Individual stocks:

As you can see in my portfolio, I like to invest in some individual stocks from time to time. No definite goal, just for fun! However, I have decided to reduce my positions in individual stocks this year after receiving dividends (especially German car manufacturers). But I would like to introduce you to some of my interesting stocks.

I have about €300 invested in Indonesian banks. I think Indonesia's young and huge population has a lot of potential. I also invested about €1600 in REITS (both individual stocks and an ETF) because I think the real estate market will see a big increase in value once interest rates are back to 1-2%.

Let me know what you think of my portfolio and strategy. I am very happy with my current setup and would like to keep it as long as possible (maybe 20-30 years).