Fun. My savings plan runs twice a month 👍

I won't have to pay a lease payment this September, so I now have just under €300 to spend.

What would you invest this money in?

I already have some small savings plans in $HMEF (+1,34 %) & $XDWL (+1,02 %) & $SP20 (+1,23 %)

Should I add to my savings plans here, or invest in something else?

My goal is long-term wealth accumulation with a corresponding return.

I’m a bit undecided here and could use some “crowd wisdom.”

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 (+0,99 %)
$HMWO (+0,88 %)
$XDWL (+1,02 %)

#️⃣ #dividenden

... to the next world ETF, after the last world ETF was full to bursting.

The new EM ETF savings plan will follow in 2 weeks.

This was my last savings plan execution for$HMWO (+0,88 %) and $HMEF (+1,34 %) (not in the picture). The two positions together have reached the size of my $VWRL (+0,91 %)-position and are therefore full.

In February, the first savings plan execution of $XDWL (+1,02 %) and $XEMD (+1,38 %). This will then take place once a month instead of twice a month.

The two smaller savings plans on $WHCS (+0,01 %) and $WITS (+1,32 %) 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 everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (+0,86 %)
• Emerging markets, $EIMI (+1,28 %)
• AI and big data, $XAIX (+1,78 %)

Smaller side bets were added later.

• Armaments, $DFEN (+0,4 %)
• uranium, $U3O8 (-3,23 %)
• batteries, $BATG (+0,53 %)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (-2,17 %) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (+0 %) ,$1SXP (-0,75 %) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (+0,65 %)
• $VHYL (+0,53 %)
• $ZPRG (-0,01 %)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0,63 %) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (+1,02 %) , 34 percent
• $IEEM (+1,27 %) , 26 percent
• $XAIX (+1,78 %) , 13 percent
• $EXSH (+0,91 %) , 26 percent

Side bets with 81 euros per month

• $DFEN (+0,4 %) , 62 percent
• $BATG (+0,53 %) , 10 percent
• $QYLE (+0,63 %) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

It's not even Friday, will it go down even more tomorrow?

👋 Introduction & background

Hey everyone!

I'm 33, married and dad to two small children (18 months and 2 months old). I've been working in the automotive industry since 2011 and in management consulting since 2019. ⚙️🚗💼

My wife is an engineer and also works in the automotive industry. 👩‍🔧🚗

I've been with getquin since 2022, but so far I've been reading along rather than actively posting. 👀

My wife is currently on parental leave and receives parental allowance. I will go on parental leave in Q2 2026 (also with parental allowance), then she will start working again. This means that only one of us will receive a full salary until the end of 2026 - but we'll still be sticking to our savings and investment quota. 👶💶

💰 Current status:

A good mid-six-figure amount has already been saved in our custody accounts. 📈

👶 Children & investments

For each child, we invested €10,000 in the Vanguard FTSE All World ($VWRL) (+0,91 %) invested. In addition, each child receives €150 per month in the same ETF - via junior custody accounts at ING. 📊

💍 My wife's investments

She invests monthly:

- 🌎 500 € in the MSCI World ($XDWL) (+1,02 %)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (+0,53 %)

📈 My investment strategy

Long-term, diversified and with a focus on cash flow & wealth accumulation.

🔹Core portfolio (ETF & Bitcoin)

€1,000 flows in every month:

- 💵 €600 in SPDR S&P 500 ($SPY5) (+0,94 %)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0,45 %)

- ₿ 200 € in Bitcoin ($BTC) (+0,25 %)

🔹 Individual share savings plans (€25/ €600 each)

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (-1,29 %) , $UNP (-0,2 %), $RACE (+1,37 %) , $MRK (-0,65 %) , $MUV2 (+1,38 %) , $DGE (+0,35 %) , $DE (-0,03 %) , $TXN (+3,66 %) , $AWK (-1,45 %) , $ADP (+0,43 %) , $PLD (+0,34 %) , $HEN (-1,1 %) , $ITW (+1,23 %) , $UNH (-2,3 %) , $LLY (-0,57 %) , $BEI (+0,05 %) , $MCD (-0,05 %) , $DTE (+2,19 %) , $WMT (+1,27 %) , $COST (+0,38 %) , $WM (-0,12 %) , $JPM (+0,97 %) , $BLK (+1,34 %) , $SY1 (-0,67 %)

🔹 Cash reserve

💰 Set aside at least €1,000 every month to be able to strike flexibly when opportunities arise.

🏘️ Real estate strategy

We live in our own home and own a rental apartment that pays for itself. ✅

Further real estate purchases are planned. 🏡📈

🎯 Target (15-20 years)

Financial freedom - with the option of part-time or complete independence from employment. Focus on more time for family, projects and quality of life. ✨

How do you structure your portfolios? What is your strategy and what are your long-term goals?

I look forward to the exchange!

Hi dear community,

I am currently thinking about replacing my iShares MSCI World $IWRD (+0,9 %) with another one with a lower TER. As an alternative, I am considering adding the Xtrackers MSCI World $XDWL (+1,02 %) in my portfolio as an alternative. But why this step?

Situation: I opened my portfolio in September 2022 during my training and have been saving in the iShares MSCI World since then. After my apprenticeship, I decided to go back to school for another two years to catch up on my A-levels. I have now started a dual study program. Now that I have some money coming in again, I can not only resume my savings plans, but also increase them significantly.

I currently have around € 2,500 invested in the iShares MSCI World UCITS ETF. The profit is around €700. As I still have around €800 of tax-free allowance left, I should initially no taxes initially. Therefore, if I make the switch, I should ideally do it in the next few months, as I will probably use more of the allowance next year.

In my view, there are many points in favor of a switch - for example, the Xtrackers MSCI World (IE00BK1PV551) with a TER of 0.12 %. According to the index mapping, the content should be identical. It distributes a small portion and offers a reasonable balance between price gains and dividend payouts.

The only thing that makes me hesitate: With the iShares MSCI World (BlackRock), I think it's rather unlikely that there will be tax-dodging ETF mergers there. Do you think the same applies to Xtrackers?

(Mergers that are purely identical in form are normally treated as tax-neutral in Germany, but mergers can be harmful for tax purposes - for example if they are cross-border or if the ISIN or fund domicile changes. In such cases, accumulated capital gains can be treated as realized capital gains subject to withholding tax).

What do you think about this? Is the switch worthwhile in my situation? Do you have better ETF alternatives, or would you stick with the iShares MSCI World UCITS ETF? I look forward to your constructive feedback!

With today's payment of the annual commission, we went on another shopping spree just before the weekend 🛒🛍️

Expanded:

• 3 x $O (-0,1 %) 🇺🇸
• 9 x $ICHD (+0,58 %) 🇨🇳
• 5 x $XDWL (+1,02 %) 🌎
• 10 x $DHL (+0,04 %) 🇩🇪

New:

• 2 x $AMZN (+1,99 %) 🇺🇸

This means that the portfolio value has almost doubled today and cracked the €3,000 mark 📈