Hi all - I had planned to expand my portfolio a few weeks ago because of an inheritance. Now a few things have happened: Money is there and at the same time the company is asking if I would like to quit in return for a severance payment. Yup, maybe I have. Do something other than IT, for example ... Volunteering at the food bank, riding my bike and Vespa, sports, traveling & chilling or something... But that's another story :-)

But does it work financially? Let's assume about 1.2 million in total (600k invested, 600k cash). House paid off, 2 kids out, wife self-employed, but only a small amount. I'm 58, I can retire at 62, with official deductions. That will therefore be a manageable pension in total. That's why I'll need monthly cash in 3 years. The severance payment would last until then. Now I'm thinking about reallocating a large part of my portfolio from tech, world ETF, S&P and some individual stocks to high-dividend stocks: 10% $ALV (-0,85 %), 10% $MUV2 (-0,43 %) , 10% $O (-0,17 %) , 10% $VHYL (-0,43 %) , 10% $WGLD (+0,1 %) , 20% $IDVY (-0,88 %) , 10% $XMME (+0,13 %) , 10% $XEON (+0,03 %) (in case the dividend falls in volatile phases and to bridge payout dates). dates), 10% play money GTAA, 2Spy, Momentum etc----hahaha, actually I just wanted to mention @Epi mention.

With the above you get about 4% dividend. At 800k = 32000-25%= 24000= just under 2k net on top. That should be enough. The assets won't grow that much, but cash per month is enough. What do you think? Completely wrong way of thinking? Forgotten something important?

What would you do with the ETFs if you were me? Merge and put everything in the $VWRL (-0,02 %) or with $IWDA, $XMME (+0,13 %) and $CSPX (+0,18 %) continue? Or simply take more risk without $XMME? (+0,13 %)

savings rate is 1000€.

I have a question for you. So far I have only saved one $IWDA (+0,02 %) saved. However, I would now like to diversify this core more. In future, I would like to invest 65% in the $IWDA (+0,02 %) 20% in a $XMME (+0,13 %) 10% in $EXSA (-0,48 %) and 5% in $EWG2 (+0 %) into one. Should I now save the amount I have already saved with the new allocation from next month or should I divide the sums between the new ETFs until the allocation is correct?

Hello to the community!

Before the holidays last year, I dared to take the step of liquidating my building society savings and reducing my call money account. The basic idea was a 70/30 savings plan in $IWDA (+0,02 %) and $XMME (+0,13 %) to make everything a bit more diversified!

I also bought a few individual stocks. My favorites are $1810 (-0,72 %) (has gone very well for me personally so far) and $TTWO (+0,19 %) (because of the good prospects for GTA - intended as a gamble, so don't get hung up on it)

How would you mainly rate the 70/30 strategy? Stupid move? Go ahead with it? What about the $VWRL (-0,02 %) ?

I'm already looking forward to your reviews!

My portfolio has made a good start to the new year, up around 2.5% (as at the time of writing). I also think the overall position is quite okay. I'm currently enjoying individual shares more, which is why I'm not quite happy with my 70/30 ETF/share strategy. However, my savings plans are still the same.

$IWDA (+0,02 %) 70%

$XMME (+0,13 %) 30%

I also save $1810 (-0,72 %) with a small savings rate.

However, I am currently considering diversifying the Chinese market with $1211 (-2,83 %) .

In addition $ELF (-0,6 %) the last few days, as I expect a good return there due to the sell-off, which was actually not so bad and in my opinion too strong. But as I said, this is pure speculation.

My next goals are the 5k which I will probably reach this year with my savings rate. That's why I've raised it to 10k =)

Feel free to write your opinion on the portfolio or my approaches, as I said I am not a professional but rather a beginner ; )

I had no financial education until July when I enrolled in a graduate course in finance and discovered a passion. I would like to get some opinions or tips to improve my portfolio😊

In watchlist currently I also have $SPOT (+0,21 %)
$NFLX (+0,01 %)
$LDO (+1,88 %)
$SCWX (+0,01 %)
$XMME (+0,13 %)
$IUIT (+0,43 %)

Moin,

I need a few tips and suggestions for my portfolio.

Current savings plans as of 01.02.25 $IWDA (+0,02 %) , $QYLE (-0,07 %) , $IUIT (+0,43 %) , $ISPA (-0,51 %) , $XNAS (+0,32 %) , $XMME (+0,13 %) .

Every month, €800 goes into the savings plans.

300€ $IWDA (+0,02 %)

150€ $QYLE (-0,07 %)

100€ $IUIT (+0,43 %)

100€ $ISPA (-0,51 %)

100€ $XNAS (+0,32 %)

50€ $XMME (+0,13 %)

Target weighting:

70- 80 % Etf

20-30 % crypto

Hello everyone,

briefly about me:

I completed my training as a real estate agent two years ago and started my own business a year ago. Since then, I have set up a property management company and a real estate agency. I currently hold a slightly higher proportion of cash in order to be able to make investments in the company.

My aim is to make passive provisions for retirement with ETFs on the one hand and to buy individual stocks that I like or that have recently experienced a price slide on the other. In this way, I want to benefit from the recovery in the short term and take a few profits on the side.

This is how I am currently investing in my ETFs:

• S&P 500: 60%
• Euro Stoxx 600: 40%

I have deliberately decided against a $ACWI as I prefer to determine the weighting between America and Europe myself. I also don't invest in emerging market ETFs such as $XMME (+0,13 %) as I find them too risky.

My crypto allocation is currently very high due to the recent price increases. I will also be selling Doge and XRP soon or taking profits.

I would be interested to know what you think of this strategy, whether you would do anything differently or which buys/sells you would consider.