Sodala, I've narrowed down my portfolio a bit and tidied up the savings plans.

Biggest shifts in the last few weeks:

MSCI World -> FTSE All World

AI & Big Data -> Nasdaq100

Random Ass Gold ETC -> Euwax Gold 2

Altcoins/Shitcoins -> Bitcoin

Larger multiplier for TR Saveback

I'm out of the "Poah, the theme ETF sounds cool, savings plan 50€ IMMEDIATELY" phase and I have to say, such a narrower portfolio somehow looks nicer too lol. I only kept a classic sector ETF savings plan, I just like it. The savings rate isn't really high either, you can just see what happens.

Here are the updated savings plans, feel free to add your comments. I like mustard

Monthly savings plans:

1.Nasdaq 100 $XNAS (-1,52 %)
(Acc, incl. PA): 305 €

2.FTSE All World $VWCE (-0,92 %)
(Acc): 100 €

3.Future of Defense ETF $ASWC (-2,25 %)
(Acc): 75 €

4.Gold: 50 € $EWG2 (+0 %)

5.Crypto:

-$BTC (+0,73 %) : 100 €

Hello everyone,

I am 25 years old and am saving for my retirement - so my investment horizon is still very long. Because of my age, I'm prepared to take a higher risk.

My portfolio currently consists of:

$VWCE (-0,92 %)

$BTC (+0,73 %)

$EWG2 (+0 %)

I am now considering whether it would make sense to $DX2D (-1,3 %) be included. I am particularly interested:

What opportunities and risks do you see with $DX2D (-1,3 %)

Assuming a risk-averse strategy, how would you structure the percentage allocation of my portfolio?

Other suggestions or food for thought are also welcome.

I am currently saving all €50 per month. I'm not sure about the allocation and would be grateful for any food for thought. I am definitely willing to take risks; I have experience with volatility as I have been involved with Bitcoin for some time. Unfortunately, I always sold everything back then because I didn't have a plan or strategy. I am aware of the swap risk and the dependency. I'm currently watching a lot of videos from Finanztipp and Finanzfluss.

I am grateful for any comments, food for thought and your opinion.

Thank you very much in advance and have a nice evening 🫶

I switch to the $VWCE (-0,92 %)

A little over 1k tax is unfortunately due, but sooner or later it has to be anyway.

I'm fed up with Amundi.

Hello to the community ✌️

I am new to this platform and would like to introduce my portfolio to you. I am more or less a newbie on the stock market. During the first corona lockdown, I started to get involved with the stock market. Towards the end of 2021/beginning of 2022, I opened my portfolio. I watched a lot of YouTube videos, read books and looked into finfluencers. Since then, I have been diligently buying and selling shares. Of course, I also had to learn a lot - and after three years of "stock market experience" I'm still paying, but fortunately not as much!

I recently discovered the Getquin platform and have been diligently reading posts and comments here. I'm curious to see what the more experienced among you have to say about my portfolio. I hope to gain a lot of added value from the platform and am therefore looking forward to numerous tips and suggestions for improvement.

Before I became intensively involved with the stock market, I had already saved a certain amount of money. Originally, this money was intended as equity for a condominium. But then came the coronavirus crisis, and during the first lockdown I decided to "spend" it on the stock market instead.

At first, like probably many beginners, I randomly bought whatever YouTubers and finfluencers recommended - without any real knowledge or experience. A good friend told me at the time: "Invest all your money in the $IWDA (-1,03 %)
and just let it run." But I had skepticism, fear and a lot of "But, but, but..." in my head. That's why I initially only invested a portion and later switched to the $VWCE (-0,92 %) to achieve a broader diversification. At the same time, I regularly bought and sold individual shares, etc....

Initially, my focus was strongly on dividends and dividend yields, but since last year I've been increasingly concentrating on growth stocks, so I haven't bought the $VWCE (-0,92 %) not bought any more for the time being. I want to change that over time and weight the ETF even higher

My current portfolio:

It currently consists of 36 positions:

- 1 World ETF

- 35 Individual stocks

I would like to reduce my portfolio to 30 positions or fewer in order to be more focused.

My strategy:

I plan to hold approx. 18-20 shares as growth stocks as growth stocks. The remaining positions should be dividend growth stocks be dividend growth stocks.

The technology/semiconductor sector has been weak recently (apart from Palantir), but I am convinced that it will outperform the market over the next few years. I would therefore like to hold this sector with 30-35% of the portfolio of the portfolio.

$PLTR (-3,33 %) is my largest position, but I have been thinking about liquidating it for a few weeks now because the valuation now seems to me to be beyond good and evil. However, I am actually a friend of letting profits run.

With REITs I'm still undecided as to whether I should liquidate them or keep them for diversification.

$DHR (+1,24 %) Over time, I would like to replace$SYK (-0,56 %) but no suitable opportunity has yet arisen.

$NOVO B (+5,32 %) , $ASML (-0,72 %) , $ALV (-0,14 %) and $MC (+0,4 %) should cover my European block. With these 4 stocks, I am optimistic that things will pick up again in the near future.

Planned portfolio allocation for the next few years:

TECHNOLOGY / SEMICONDUCTORS 30%

HEALTH 20%

FINANCES 15%

CONSUMER GOODS 15%

CONSUMER STAPLES 10%

INDUSTRY 5%

REITS 5%

I am looking forward to your tips and opinion, and maybe you have any stocks to add to my portfolio🫡 and sorry for the full text 😅

Have a nice evening 😬

If I am wrong somewhere, please correct me.

Due to the great dependence of the capital markets on America, political or structural changes in the USA represent a major risk for the entire market.

Trump and Musk are radically abolishing (or further reducing) controls on large companies in addition to creating a perfect divide in society.

Shareholders are reacting positively at first, which is why the market initially reacted so well to Trump's appointment.

But seriously: in the US, there were already only the absolutely necessary controls regarding the environment and social compatibility before, with the abolition of entire authorities, it is only a matter of time before a company causes great damage to the social environment or the environment due to pure greed for profit, which then has a massive impact on companies in the medium term.

The regulatory authorities are there for something, they are not an invention of the evil left to steal money.

In addition, Trump's tax cuts will probably exceed the debt savings. Contrary to expectations, inflation has not decreased, especially food prices have continued to rise, tariffs will not cause these prices to fall again.

I will $VEU (-0,07 %) into the portfolio and thus slightly reduce the US $VWCE (-0,92 %) slightly.

Additionally:

Good time to buy commodities? (Gold has also been on fire, apparently someone with big pockets has a lot of interest here at the moment).

You can also find an extreme example of this on YT:

https://www.youtube.com/watch?v=mYbbov5Oajg

Dear friends of sophisticated investment,

I have been investing for a few years now, albeit more theoretically. Since then, I have mainly made monthly payments into ETFs and would now like to take the next step on the stock market: selected individual shares as satellites to an ETF as a core.

In figures, I plan for the year 2025 as follows:

At my disposal: 1500€

ETFs:

500€ in $VWCE (-0,92 %)

shares:

Basically, I try to use the selected shares to balance out the high proportion of US shares in the $VWCE (-0,92 %) somewhat.

I will briefly explain why I chose the following stocks without going into too much detail.

200€ in $NU (-11,11 %) (Brazil)

Banks are an interesting topic in South America. Many of the people living there do not have a bank account. An interesting growth market for companies based there in the FinTech sector.

200€ in $ASML (-0,72 %) (Netherlands)

"In a gold rush, don't invest in gold diggers, invest in shovels" is a well-known quote from André Kostolany, a well-known investor and financial expert. So why not ride the semiconductor trend, but with the company that sells the machines to manufacture them? Semiconductors are needed in all kinds of industries. The market is currently estimated to be worth 611.35 billion dollars and is expected to grow to 2062.59 billion dollars by 2032.

200€ in $NOVO B (+5,32 %) (Denmark)

Humanity is getting fatter and fatter. By 2035, the number of overweight people is expected to increase from around 1.01 billion today to 1.53 billion. The well-known weight loss injection from $NOVO B (+5,32 %) and, of course, medication against diabetes.

200€ in $MC (+0,4 %) (France)

Insane moat, great margins and active in many luxury sectors (right ETF for this company). Due to the rising standard of living in the western world, but also due to a growing middle and upper class in the emerging markets, more and more people can afford luxury products.

200€ in $FTNT (-3,08 %) (USA, I know)

IT security products are becoming increasingly important due to the digitalization of the entire world and, of course, the threat of disputes between countries in the digital space.

$FTNT (-3,08 %) is already a leader in the firewall sector and will continue to grow with this and other competencies in line with the trend.

Any money left over at the end of the month is put aside and invested in the above-mentioned shares when exciting opportunities arise.

What do you think of my approach? What do you think of the weighting of the shares in the ETF? What do you think of the stock selection?

Please let me know and I look forward to hearing from you in the comments.

Best regards

I have to pay back €6,000 in the final installment for my car in 4 years.

Does it make sense to park the €125 per month in reserves in the $VWCE (-0,92 %) to park?

Or would I be better off switching to a secure call money account?