My ETF strategy: 3 ETFs as the core for long-term success

After a lot of thought, I have decided to make some changes. I have decided to split my monthly investments into three ETFs that offer a mix of growth, stability and income potential. From now on, I will invest €1000 per month in these three ETFs, with all dividends being automatically reinvested to maximize the compound interest effect.

1.

Fidelity Global Quality Income $FGEQ (-0,93 %)

This ETF focuses on high-quality companies worldwide that pay stable dividends. It provides regular income streams and is less volatile than growth stocks. As I am looking for solid passive income over the long term, this ETF is an important part of my portfolio. All dividends from this ETF are reinvested to further grow the capital.

2.

VanEck Developed Markets Dividend $TDIV (-0,33 %)

Similar to the Fidelity ETF, this one invests in high-dividend companies, but focuses on developed markets. The VanEck ETF helps me to diversify my portfolio even more broadly and ensures regular distributions, which are also reinvested. This allows me to use the dividends as a growth driver without them weighing on the portfolio.

3.

Nasdaq 100 ETF $CSNDX (-2,38 %)

The Nasdaq 100 is my growth driver. It invests in the largest technology and growth companies in the US, which gives me strong leverage to the technology and innovation sector. While the Nasdaq 100 is more volatile than the S&P 500, the potential returns from the tech sector can be very rewarding over the long term. Again, all dividends are automatically reinvested to further increase the growth rate.

My strategy

With this combination of dividend and growth ETFs, I am aiming for a balanced portfolio that offers both stable income and long-term growth. I focus on a long-term investment strategy that grows regularly with monthly investments of €1000. The automatic reinvestment of dividends is intended to maximize the compound interest effect and thus allow the portfolio to grow continuously over the years.

Asia and emerging markets via individual shares

As I want to invest specifically in the Asian and emerging markets, I plan to cover the corresponding proportion via individual shares. I want to focus on high-quality companies that are growing strongly in these regions and offer good long-term earnings opportunities. My favorites: $6861 (+0,34 %)
$TKOMY
$1211 (-1,03 %)
$FLXI (-0,65 %)

Individual shares - focus on quality

I currently own a lot of individual shares (some bought without a plan) and plan to reduce these to a maximum of 20 strong quality shares. I want to consolidate my portfolio and only invest in companies that have high growth and earnings potential and are robust enough to perform well even in difficult market phases.

Conclusion:

With this strategy of the 3 ETFs as core and a careful selection of 20 strong individual stocks, I want to build a well-diversified portfolio that not only provides stable income, but also benefits from global growth in the long term. By regularly investing €1000 per month and reinvesting all dividends, I aim to continuously grow my portfolio and achieve long-term financial security.

I would be delighted to hear your thoughts on my new strategy!

Have a great evening and a successful start to the new week!

LG your Max

Thank you for your input, feedback is the only way to develop further. The result is an adjustment to my future portfolio structure, including savings plans.

Core: (68,31 %)

• 46.45 % Vanguard FTSE All-World $VWRL (-0,98 %)
• 11.61 % SPDR MSCI World Small Cap $ZPRS (-0,73 %)
• 10.25 % Amundi Stoxx Europe 600 $MEUD (-0,59 %)

Satellite: (31,69 %)

• 10.25 % ASML $ASML (-3,69 %)
• 5.46 % FTSE India $FLXI (-0,65 %)
• 5.05 % Euwax II $EWG2 (+0,84 %)
• 4.10 % WisdomTree Coffee $COFF (-1,69 %)
• 3.28 % Bitcoin $BTC (+1,44 %)
• 2.19 % Ethereum $ETH (+1,54 %)
• 1.37 % VanEck Defense $DFEN (-0,69 %)

I have recently started using a broad core-satellite strategy with ETFs, individual stocks, themes and crypto.

My portfolio is currently still being restructured. I want to have completed this by the end of Q4 2025.

#getquin #getquincommunity #depotupdate #coresatellite #savings plan #etf #etfinvesting #stockportfolio #crypto #restructuring #investment strategy

With the latest events in EU-US customs policy, I am confident that I will soon reach the 20k mark. A few more stocks will follow in the next few months and the ETFs will continue to be saved with the highest weighting. My savings rate can also be increased by completing my further training soon.

Concrete new additions to the portfolio will be:

• $HOLN (-0,04 %) I see potential, as Holcim will be a big player in the reconstruction of Ukraine. It is also a sustainable addition to my dividend-oriented portfolio, as the distributions are paid from capital contribution reserves and are therefore tax-free in Switzerland.

• $$FLXI (-0,65 %) India is expected to become the 3rd largest economy in the world by 2035. GDP is growing confidently and I see opportunities for additional returns in the portfolio.

• $BABA (-0,9 %) Solid long-term growth stock to expand diversification with China. 1.67% dividend

Opinions? Suggestions?

A further 25 shares $ENR (-3,96 %) were sold and the capital $AMZN (-2,35 %) and $FLXI (-0,65 %) purchased.

The remainder is used to buy another $ASML (-3,69 %) purchased.

Dear community,

I have been a member of getquin for almost 2 months now and I am thrilled with how lively the discussions and contributions are. Thanks to everyone who takes the time to research certain topics and share their knowledge.

I would like to take the opportunity to briefly introduce my portfolio and share my thoughts for 2025.

I have been managing my own investments for 10 years now. I started with ETFs and got into cryptos in 2017 (and got out again after the FTX bankruptcy and the Terra Luna crash). And for a few years now I've also been trading shares and now also real assets (I'm currently testing Timeless). Over the years, I have been able to expand my portfolio.

Due to my family responsibilities, my monthly fixed savings rate is currently €500. I also park monthly surpluses in my call money account and invest them when I see an opportunity. I need a certain amount of cash as we are still renovating and therefore simply need some cash...

My goal is to have at least €500,000 in 10 years so that I can pay off the existing loans on our house. So I would need to generate an annual return of 15%...

Over time, I've built up quite a mix of shares. My credo so far has been not to invest more than €1000 per share (although there have been exceptions) and a stop-loss at 20% below the purchase price. I haven't decided when the best time to sell is and I still don't know which strategy is best for me. I would therefore describe myself more as a hodler...

Now to my plans for 2025.

- I will change the fixed value per share of €1000 and increase it to €5000.

- The stop loss remains in place.

- Keep savings rates at €500 for the time being.

- Reduce the number of shares

- Focus on growth

What could a savings plan look like that I would continue for the next few years?

One point that bothers me is the high proportion of US equities in the global ETFs (cluster risk) - even though this is where most returns have been made historically...

Hence my consideration:

- Save in an ETF with a lower or no USA share (I currently have the following in my portfolio $GERD (-0,48 %) where the USA share is only 50% - unfortunately quite expensive with TER 0.5%; or a new start with a $EXUS (-0,32 %) ) (share: 40%)

- Saving $MEUD (-0,59 %) (20 %), $FLXI (-0,65 %) (20%), $WSML (-1,22 %) (20%)

- S&P500 or MSCI USA via the 2xSPYTIPS of @Epi (via single payments)

- In addition $BTC (+1,44 %) Savings plan of 40€ / week from existing USDC holdings (LTC sales from December) Note: Crypto portfolio cannot be fully mapped in Getquin as the EARN Binance Wallet is not displayed.

What do you think? Does that make sense?

As a next step, am I considering divesting from stocks?

From $OBDC (-0,87 %) I would probably divest myself, possibly also $CSCO (-2,24 %) . Can you think of any other shares or ETFs that would make sense to sell due to low growth prospects? I would then invest the free money in 3xGtaaa and shares like $ASML (-3,69 %) , $NVDA (-3,26 %) ...

Overall, I'm still not sure whether my strategy is quite right. Do you have any ideas, suggestions or comments? I would be grateful for any advice.

Thank you and best regards

Hello everyone,

I thought it was time to share my portfolio again and face your criticism👀.

Income: ~900€ net

I save an average of ~€200 per month with special payments and started investing when I started my training: 01.08.23

Brief explanation:

Deka Fond: These are capital-forming benefits (13€ AG / 27€ AN per month)

Had to take an active fund here

Core (planned; distribution not quite right yet)

70% ACWI $ISAC (-0,88 %)

10% AI & Big Data

10% India $FLXI (-0,65 %)

10% Small Caps

Satellites:

Blackrock 👑 $BLK (-0,06 %)

• best performance - simply an awesome company

Monster 🧃 $MNST (+1,74 %)

• I am wavering here with the sale / sales are weakening

Realty Income 🏡 $O (+0,92 %)

• Can't be missing as a real estate azubi of course

Novo Nordisk 💉 $NOVO B (-0,2 %)

• My latest purchase and correspondingly poor performance.

ASML 🔬 $ASML (-3,69 %)

• I see great future potential here, growth

LVMH 👜 $MC (-0,45 %)

BAT 🚬 $BATS (-2,66 %)

Looking back, I'm satisfied with the return so far, knowing that the ACWI alone would probably have performed better on its own. Especially in the first few months, I learned the hard way and tried things out a bit. A few individual stocks are part of the fun, which increases interest in investing in general.

Goals for 2025:

Expand the core, especially the ACWI

Bring individual stocks to €200

Hello everyone,

Today I would like to introduce you to my recently reorganized portfolio and tell you about my motivations. Briefly about me: I'm 25 years old, currently studying for a Master's degree in business administration and working part-time as a student trainee. Starting next year, I intend to invest a savings installment of 1,000 euros every month. My stock market experience so far started in 2021/2022, and since then I have lived through almost every emotional up and down: from falling into the falling knife (Alibaba $BABA (-0,9 %) PayPal $2PP, and many more) to speculative leveraged products and options. Fortunately, despite extreme fluctuations, I ended up at around plus/minus zero.

After dabbling in stock picking (mostly tech stocks) for a while, I realized that my biggest weakness is the lack of staying power for a consistent strategy. Neobrokers are like a game to me in a way, always tempting me to be more active. As a result, I regularly discard concepts that are actually promising - if only I had pursued them consistently. I am now learning my lesson from these findings: I want to implement a long-term, broad-based ETF strategy, which I will also share and track transparently on GetQuinn.

At the end of 2024, I therefore closed all my previous positions and am making a "clean" new start. My portfolio consists of the following components:

-NASDAQ 100 (25%) $XNAS (-2,38 %) - the driving force for me in terms of US technology.

-FTSE China 50 (25%)
$DBX9 (-0,14 %) - offers long-term potential in a dynamically growing market in my view.

-Euro STOXX 50 (20%)
$XESC (-0,75 %) - Europe as a solid addition with established companies.

-Ossiam Shiller Barclays CAPE US Sector Value (15%)
$216361 (-0,06 %) - deliberately focuses on value aspects and adds substance to my tech bias.

-FTSE India (15%) $FLXI (-0,65 %) - another growth theme with exciting future prospects.

I find the symmetry of the portfolio particularly reassuring (even if perhaps irrational): USA-Tech stands opposite China, USA-Value stands opposite India, and there is also a European anchor. I am investing a total of just under EUR 15,000 at the start, so the percentages correspond exactly to my expectations. In future, I plan to divide the monthly savings installment of EUR 1,000 evenly between all ETFs.

My rebalancing approach

I will not invest my special payments (e.g. vacation pay, bonuses) immediately for the time being, but will keep them available as a cash reserve. On the one hand, I want to be able to react to possible price slumps in individual markets, and on the other hand, I use the saved cash quota for rebalancing at the end of the year. I don't sell anything, but add to the ETFs that have lost the most in relative terms over the course of the year. This allows me to keep the portfolio weighting more or less in balance without having to deal with short-term fluctuations too often.

Why GetQuin?

GetQuin allows me to monitor my portfolio performance transparently and at the same time exchange ideas with the community. Above all, I hope to receive honest feedback on my chosen structure and my rebalancing approach. At the same time, the platform motivates me to stick to my strategy in the long term - because I realize every day that constantly switching back and forth often only causes additional costs and stress.

I look forward to hearing your opinions:

- What opportunities or risks do you see in this ETF selection?

- Do you have any tips on how I could make my rebalancing even more efficient?

- Are there certain markets or sectors that you think I am neglecting or overvaluing?

Thank you very much for your opinions and advice! I am looking forward to a stimulating discussion and hope that we can inspire each other.

Best regards

A (hopefully) reformed stock market enthusiast in his second attempt