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380Hello 🙋🏽♂️
how do you feel about sector ETFs with a long investment horizon?
So far I am following a passive strategy from the $IWDA (+0,11 %) , $EIMI (-0,38 %) and the $MEUD (+0,39 %)
I am now considering a sector bet in the Ki/technology sector to increase my return in the long term at best, I want to remain passive and don't want to deal with the individual companies so I am betting on ETFs.
Hello everyone,
I wanted to present my portfolio, consisting of three portfolios, and ask for your opinion.
I'll keep this as brief as possible 😃.
I started investing about a year ago with a savings installment of 250 euros.
Thanks to an inheritance at the beginning of 2025, I was able to increase my savings rate and am now "waiting" until the money is invested.
As I wanted to do something separately for my pension, I opened a custody account with SC in addition to TR and am investing there in the classic way with 70/30 in $SPPW (+0,18 %) and $EIMI (-0,38 %) .
With TR I save $IWDA (+0,11 %) , $CSNDX (+0,06 %) and also the $EIMI (-0,38 %) (hence the large sum in the combined portfolio).
I had actually considered investing a little more riskily here at some point and adding individual shares.
I would like to part with the altcoins soon and just $BTC (+0,26 %) keep them. The STOXX 600 should also be out soon.
My question now is whether it makes sense at all to save twice for the MSCI World and the Emerging Markets or whether I should simply hold one each, as I could then possibly invest more riskily with other ETFs or individual shares.
I would welcome constructive criticism and suggestions for improvement 😃
Thank you very much!
Before the moment is over again, I would like to take a moment to celebrate my first small milestone: after almost a year of active trading, I have reached €10,000.
Most of the time I was still a student - with small savings rates, a lot of curiosity and learning by doing (and many mistakes). I've now been working as an engineer for a month and can invest properly for the first time. I'm excited to see where the journey will take me.
I am pursuing a long-term growth strategy, but I also like the charm of dividends as a motivator. With half of the bonuses, I will probably buy individual shares or burn a penny or two by gambling.
I know things aren't going perfectly, but I'm prepared to learn from mistakes and constantly question my strategy.
One small fly in the ointment: my Mercedes shares are currently still blocked.
I look forward to your feedback, experiences and tips - on the subject of crypto, I'm still torn as to whether I've missed the party.
Savings plans: 690€
200€ - $IWDA (+0,11 %)
60€ - $EIMI (-0,38 %)
40€ each - $JEGP (+0,2 %)
$MAIN (+1,01 %)
25€ each - $NOVO B (+1,3 %)
$HTGC (+0,25 %)
$GOOGL (+0,5 %)
$WMT (-0,38 %)
$CRWD (+0,06 %)
$AMZN (+0,17 %)
$MELI (-0,25 %)
$META (-0,28 %)
$NET (-0,2 %)
$ALV (+1,1 %)
$WM (-0,05 %)
$ASML (-0,52 %)
$SAP (+1,47 %)
$PLTR (+0,57 %)
Hello everyone,
I am currently in the process of reallocating my shares/ etfs.
The plan is a core-satellite portfolio
Core:
$VWCE (+0,08 %) 60%
Satelite:
$WSML (+0,17 %) 10%
$EIMI (-0,38 %) 10%
I am currently 20 years old and my savings rate is 250€ per week, so I don't want to focus on dividends yet.
If you have any suggestions or objections to the individual positions/position sizes, please let me know.
Hello Community,
I thought it was time to post my portfolio again and what adjustments and plans are still taking place for the year 2025.
My portfolio currently consists of the classic $IWDA (+0,11 %) , $EIMI (-0,38 %) and the $CSNDX (+0,06 %) .
Further additions are $WGLD (-1,22 %) and $BTC (+0,26 %) only.
My remaining satellites are targeted additions in order to expand the focus to Europe and Japan on the one hand and to provide a yield boost in the portfolio on the other.
I currently continue to invest in all ETFs, gold and Bitcoin on a monthly basis.
Upcoming changes:
I will move a portion from the call money account to the $XEON (+0,03 %) into the
It may be planned to make another additional purchase at $NOVO B (+1,3 %) is planned.
expected new additions this year:
These are also joining the ranks as targeted satellites and, for me, represent three further interesting, fast-growing and sustainable sectors.
Have a nice weekend :)
LG
Paul
$CSPX (+0,05 %)
$CSNDX (+0,06 %)
$EXI2 (+0,23 %)
$IWDA (+0,11 %)
$EIMI (-0,38 %)
A dozen states filed suit against President Donald Trump and his administration on Wednesday, seeking an injunction declaring the new tariffs on foreign imports illegal.
Hey guys,
I've been using an ETF savings plan for about 4 months now - unfortunately I gambled a bit on individual stocks before that, so I learned quickly.
I'm currently running monthly:
In total €780, and I actually feel comfortable with that.
But: I'm thinking about adding a 4th ETF - e.g. Amundi STOXX Europe 600 or a Europe Small Cap.
What do you think?
Does it make sense to cover Europe separately or is the share in the MSCI World enough?
I'm somehow unsure about Europe - opportunities are there, but growth is rather sluggish, isn't it?
I would appreciate your opinions!
Stay as it is or mix in some European spice?
Hi everyone!
I've been investing for almost a year now with a small amount of capital, mostly to get familiar with the world of markets and personal finance. I’m 26, conservative investor, and I’ve always kept my distance from trading, YouTube “gurus” and get-rich-quick schemes.
After some time learning and experimenting, I wanted to share my strategy and hear what more experienced investors think.
🧠 The idea: build a modular portfolio with global exposure. Instead of the usual split between developed and emerging markets, I prefer dividing by region — using two ETFs per region: one accumulating and one distributing.
Why both? Honestly, I’m still figuring it out — but I like the idea of having some exposure to dividends while reinvesting long-term. My goal is to reach €50,000 in savings as a milestone, partly because that’s the cap for earning interest on Trade Republic’s savings account (which I’m also using).
⚙️ I invest monthly (~€700) and aim to rebalance the weights annually. I selected ETFs with low TERs and (when possible) EUR-based to avoid currency conversion. It’s not always easy to find the perfect match, but here’s the setup:
ETF (Acc) --> $SMEA (+0,39 %) | ETF(Dist) --> $EQDS (+0,33 %)
ETF (Acc) --> $SPPW (+0,18 %) | ETF(Dist) --> $SPY5 (+0,04 %)
ETF (Acc) --> $EIMI (-0,38 %) | ETF (Dist) --> $IEEM (-0,43 %)
ETF --> $SGLD (-0,78 %)
The idea is to split each region’s weight equally between the two ETFs — that is, 50% of the region's allocation to each ETF. This results in a total TER of 0.289%.
Would love to hear your thoughts, feedback, or suggestions! Still very new to all this, so any insight from more experienced investors would be super helpful 🙌
Thanks for reading! 🚀
We are currently in an uncertain political and economic phase, which is why many investors are currently investing in gold. That is why I am now selling part of my gold holdings $DE000EWG0LD1 (-0,65 %) and will invest it broadly diversified in the stock market ($IWDA (+0,11 %) , $MEUD (+0,39 %) , $EIMI) (-0,38 %) in the stock market.
What is your opinion on this idea?
Goal: A globally diversified portfolio via a savings plan
Option 1:
Everything in the $VWRL (+0,11 %)
Option 2:
50% $VUSA (+0,06 %)
15% $EIMI (-0,38 %)
15% $VEUR (+0,39 %)
5% $VAPX (+0 %)
10% $WSML (+0,17 %)
What do you think?
Option 1 would be the simpler approach. No rebalancing. Unscheduled purchases or sales with an ETF are easier and more fee-friendly.
Option 2 allows more control in terms of weighting, so I could reduce the US share from $VWRL (+0,11 %) from 62% to 45-50%. In option 2 it would also be possible to swap the S&P 500 for Nasdaq or Amumbo depending on the market cycle to get more performance out of it without the risk of a US overweight.
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