Just wanted to ask what you think of the savings plans.

$KO (-1,22 %) 70€ mntl.

$MAIN (-1,48 %) 60€mntl.

$MWRD (-0,57 %) 120€mntl.

$EIMI (-0,19 %) 80€mntl.

$TDIV (-0,95 %) 80€mntl.

Would you change the savings rates here?

The next step towards the €6,000 by the end of the year has been reached.

Briefly about me: I'm 20 years old and aim to build up long-term assets.

Savings plans currently amount to €350:

• $IWDA (-0,53 %) = 210€
• $EIMI (-0,19 %) = 90€
• $BTC (+1,1 %) = 50€ (starts next month)

What would you do differently or add?

Hi Dear GQ Community,

Today I wanted to share my portfolio with you and see what you think or say about it. You are welcome to make suggestions for improvement. 😃

First of all about me, I am 31 years old, father of 2 children and only work as a service technician 👷‍♂️unterwegs which is why I currently have no more than 100€ - 130€ per month available to invest. I always thought with your high sums that I would not divide my portfolio because it is so small. But today I'm just going to do it 😅.

I've only been investing since the end of May 2025. I'm looking for dividends that are partly reinvested and partly paid out. But I want to save for old age in the long term to possibly supplement my pension 🧓later on. 💰💸

Now to the portfolio. I don't currently have a plan for how much of my budget is going where. I'll look at it for a month and then decide who has performed best 📈 and who has performed less 📉.

I currently have:

ETF savings plans:

• $IWDA (-0,53 %) with monthly 25€
• $VHYL (-1,07 %) with monthly 15€
• $EIMI (-0,19 %) with monthly 10€

Individual shares:

• $OXY (-0,29 %)
• $PEP (-2,52 %)
• 
  $KO (-1,22 %)
• 
  $SHEL (-0,84 %)
• 
  $RHM (+2,63 %)
• 
  $BAC (-0,05 %)

Crypto:

• $BTC (+1,1 %)

The savings plans are saved every month and the individual shares are saved more or less depending on the month. Because $BTC (+1,1 %) to be honest, I'm in it just for fun. I'd like to see where the journey takes me.

As I said, I'll decide exactly how it will be divided up next month when I see who has performed best by then. And then it will be adjusted monthly.

At the moment my portfolio is only in the red with the order fees from Trade Republic, if these weren't there I would already be slightly in the black. But I am investing for the long term and am not out for day trading.

Now I'm curious to hear what you have to say, and please don't completely tear me apart 😅.

$CSPX (-0,35 %)
$IWDA (-0,53 %)
$EIMI (-0,19 %)
$CSNDX (-0,16 %)
$ACWI (-0,69 %)
$VUSA (-0,35 %)
$VWRL (-0,63 %)

In the case of geopolitical escalations, the average daily loss is 1.2%, the average total loss is 5% and the recovery time is around 47 days.

Just keep calm, stay true to your strategy and don't panic sell ✌️

The historical reaction of the S& P 500 ($CSPX (-0,35 %)
$VUSA (-0,35 %) ) to important geopolitical events:

Geopolitical shocks usually only have a short-term impact on the performance of the stock markets.

Hello,

I am in the process of changing my portfolio, and thought I would allocate about 7k to a small ETF portfolio.

I have 65% of portfolio in Funds, 50% Ibex, 50% MSCI, so both regions are well covered.

On the ETF side, I thought about this particular allocation:

ETF emerging countries + Asia. $EIMI (-0,19 %)

ETF Europe $SMEA (-0,94 %)

Gold ETF $IGLN (-0,09 %)

ETF Defense + Aerospace. $IVDF (+0,71 %)

I will try to balance at 25% each fund, and use a monthly plan to periodically contribute according to performance.

Any ideas for improvement?

Thanks

$ICHN (+0,17 %)
$BTC (+1,1 %)
$IWDA (-0,53 %)
$CSPX (-0,35 %)
$EIMI (-0,19 %)

The Chinese central bank carries out a reverse repo transaction and pumps 1 trillion yuan (139 billion US dollars) into the market.

This could continue to boost the markets and, in particular, the expansion of the $BTC (+1,1 %) 🚀

In practice, this means that this is quantitative easing.

An easing of monetary policy and liquidity maneuvers with a strategic goal:

1. hedging the systemic weakness of the Chinese economy (especially local governments, the real estate sector and the manufacturing industry).

2. signal control in domestic markets to suppress volatility and prevent panic.

3. increase risk appetite in global capital markets as liquidity flows outward.

It will be interesting to see how the markets react.

$SPY5 (-0,36 %)
$VWCG (-1,13 %)
$EIMI (-0,19 %)
$WSML (-1,32 %)
$VJPB (-0,26 %)
$CPXJ (-0,19 %)

Which of the three allocations do you think is best for a monthly savings plan? Or would you do it completely differently? If so, how?

I'm 30 and have a long investment horizon.

I already have these ETFs as core and don't really want to sell, otherwise I'll have to pay a lot of tax.

$CSPX (-0,35 %)
$IWDA (-0,53 %)
$EIMI (-0,19 %)
$ISAC (-0,63 %)
$CSNDX (-0,16 %)
$WSML (-1,32 %)