Hello everyone,

I would like to get your feedback on my portfolio strategy. Here are the key data:

Age: 20 years old

Investment horizon: Very long (several decades)

Strategy: First investment then invest via savings plan + B&H

1. the planned portfolio

I am planning the following allocation for my portfolio. Important: The 20% in the dividend ETF will only flow until my exemption order has been fully utilized by the distributions. After that, fresh money will only flow into the other two positions.

• 55% Vanguard FTSE All-World (basis) $VWCE (-1,16 %)
• 
  25% Xtrackers MSCI World Momentum
  $XDEM (-2,57 %)
• 
  20% VanEck Developed Markets Div Lead
  $TDIV (-0,33 %)

2. current situation

I took advantage of the "dip" in April and am already invested (mix of ETFs and individual stocks). I am currently considering how I should adjust or structure my portfolio, as the individual stocks have performed extremely well:

• Nvidia: +60%
• Alphabet: +90%
• Others: Amazon, Meta, United Health (all up).

My questions for you:

What do you generally think of my ETF selection and weighting (55/25/20)?

Would you swap one of the ETFs for another product?

Is there anything missing in the allocation (would you add another component, e.g. small caps)?

Individual shares: How would you deal with the winners? Realize profits and shift them into the ETFs, or simply let them run as "satellites", as I am still young?

Many thanks for your feedback!

Hi @ll,

First of all, I am no longer saving but relaxing. In order not to pay too much tax, I have invested about 50% of the sum in distributing ETFs and 50% in accumulating ETFs. Depending on how much I need, I may withdraw around 3.5% per year from the latter.

Now I want to muck out and throw out the ETFs that pay too little dividend and have too little overall performance.

Now comes the big BUT.

If I sell, the tax is due immediately and increases my annual income on "paper", which means that I can no longer get it back on my income tax return (which is otherwise always the case).

But since it's just a shift and I don't actually consume the money, I don't think it's fair. The state only spends it on things that I don't want to help pay for anyway.

What would you do to avoid unnecessary taxes and still get things in order? 🙏🏻

$VWCE (-1,16 %)
$TDIV (-0,33 %)
$FGEQ (-0,93 %)
$GGRP (-0,6 %)

Hello dear community,

I currently need to make a major investment decision. I would like to keep the money invested until I retire in 45-50 years.

Overall, the core should make up 30-40% of my portfolio.

As I am still unsure, I have only invested a "small" part in the $VWCE (-1,16 %) only once. Opportunity costs and all that...

After sleeping on it for a few days, the thought occurred to me that I should invest in somewhat more aggressive ETFs.

The following came to mind:

$CSPX (-1,21 %)

$CSNDX (-2,38 %)

I will also diversify further with 20% $BTC (+1,42 %) and possibly some gold.

A little hype stocks (e.g: $IREN (-9,32 %) , $ATAI (-3,18 %) ) from time to time - otherwise where's the fun in that?

So the real question again:

Which core can you recommend to me?

More risk because of the long investment horizon?

Or do you have cheaper alternatives?

What do you think about leveraged ETFs because of the investment horizon?

And do you have any other tips for me outside of deciding on the core?

Thank you all very much! :)

Today was the day: the last investment in 2025 was made.

I used part of my 13th salary to get a little closer to my target weighting again. That's the end of the year for me - at least as far as investments are concerned. ☺️

On the last day of the year, there will be a kind of year-end closing, where all accounts will be cleared and any surplus money will be transferred to the clearing account. However, as this sum will only be invested in January after the holidays, this savings plan will be my year-end closing.

I'm really looking forward to an investment-rich 2026! 💰

We add a little more $VWCE (-1,16 %) to the overall portfolio. Today about €15,000 in this ETF.

Hello dear community,

I am considering restructuring my portfolio and investing in various ETFs.

• 50 % $VWCE (-1,16 %)
• 
  10 % $SEMI (-4,78 %)
• 
  10 % $INRA (-2,4 %)
• 
  10 % $CEBT (-0,78 %)
• 
  10 % $ESIF (-0,93 %)
• 
  10 % $IGLN (+0,95 %)

To start with, I would like to invest €5,000 accordingly and increase it monthly according to the same distribution.

My thoughts on this:

• unagitated basis in the world ETF
• More risk and potentially more profit in sector ETFs. Sectors that I personally think will become relevant in the coming years and decades.
• Somewhat more speculative sectors such as semiconductors, green energy or precious metals. But supported by more solid sectors such as finance and gold.

What are your opinions on this? I would be delighted to receive feedback! :)

From next year (September 2026), I will be self-employed full-time as an occupational therapist. As part of this, I would also like to restructure my investment portfolio so that it suits my long-term goals and supports me in my financial independence.

My current plan:

I would like to run a savings plan separately in a separate account, which is intended solely for retirement and should not be touched. I'm currently thinking of the FTSE All-World Acc $VWCE (-1,16 %) , i.e. accumulating, to make the most of the compound interest effect.

Open questions concern my main portfolio:

I am currently using this more generally to build up assets and utilize the tax-free allowance. From 2026, I expect to receive around €100 net per month in dividends.

I am now considering how to proceed:

Should I specifically expand the existing portfolio with more shares?

Or would it be better to add an additional ETF?

Or would it make sense to combine a pension and share portfolio and save everything in one account?

Another idea would be to save in the FTSE All-World Dist $VWRL (-0,98 %) instead of the accumulating variant in order to see the dividend performance directly and thus build up a long-term growing additional income.

I would be interested to know how you would handle this - especially if you are also self-employed or in a similar situation.

🔍How would you build and structure the portfolio?

#etfs
#crypto
#dividends
#growth

@Epi
@Mister_ultra
@Simpson
@TheAccountant89
@DonkeyInvestor
@Alpalaka
@RealMichaelScott
@topicswithhead
@BASS-T
@GeldGenie
@investresearch
@Multibagger
@lawinvest
@Petzi-Port