• $FUSD (+0,11 %) In principle, an S&P 500 consisting of around 110 stocks that "should" fulfill a few quality and dividend filters 🧐 TER 0.25%. An index ETF would most likely be the better choice here.

• $JRUD (+0,11 %) This is an actively managed ETF on the S&P 500 with currently around 250 positions and a TER of 0.2%. This fund has actually outperformed the benchmark index over longer periods of time. However, I see the risk here in the management (currently Raffaele Zingone and Piera Elisa Grassi) in the event of a change or a wrong decision. It is not for nothing that the specialist literature advises against actively managed funds🫣.

Both have the same reference index and therefore overlap. So what to do? Sell the Fidelity (possibly wait a few more weeks/months, as the tide is lifting all ships again) and keep JP Morgan or replace it with an S&P 500 Index ETF? In principle, the excess return is not phenomenal and the risk is relatively high.

For the sake of completeness, I would like to briefly mention the two other ETFs in my portfolio:

$TDIV (-0,19 %) The ETF "The European Dividend" focuses on high-quality dividend payers from industrialized countries with a focus on Europe. In my opinion, this has proved its worth in recent times as it has had less correlation with the overall market due to its defensive approach.

$GGRP (+0,02 %) This ETF is based on high-quality dividend-paying companies from industrialized countries around the world and also takes the momentum factor into account.

Fun fact: the combination of TDIV, GGRP and FUSD ensures monthly distributions😎 - but that shouldn't be a criterion 😆🫣

Dear Community,

Yesterday you were able to help me quickly and effectively. I sold the tiny positions $MATIC (+1,34 %) with a considerable loss and $ETH (+3,16 %) with a small profit and set up a weekly savings plan on $BTC (+2,4 %) set up a weekly savings plan.

In order to simplify and streamline the portfolio even further, I now have the following question for you...

To help you understand my portfolio better, here is a brief explanation:

The main portfolio (currently approx. 150k) is a core-satellite portfolio with 56% $IWDA (-0,03 %) , 20% $GGRP (+0,02 %) , 12% $WSML (+0,2 %) and 12% $XMME (+0,14 %) .

With just under 20k is still the $CSPX (+0,08 %) in the portfolio.

I have also been holding a separate div growth portfolio (currently approx. 34k) with these stocks for some time:

$MMM (-0,99 %) approx. 1500€

$MSFT (+0,13 %) approx. 1400€

$ABT (-0,2 %) approx. 3300€

$JNJ (-0,18 %) approx. 2800€

$PEP (-0,26 %) approx. 2700€

$PG (-0,19 %) approx. 3300€

$TDIV (-0,19 %) approx. 3900€

$WQDS (-0,11 %) approx. 3850€

$FGEQ (+0,12 %) approx. 3800€

$VWRL (-0,02 %) approx. 3750€

$FUSD (+0,11 %) approx. 3750€

I save the ETF fraction constantly, nothing should or will change.

I'm just wondering how I should structure the ratio of individual stocks from now on. Should I increase all individual stocks to 5000€ per position or all stocks except Microsoft to 6k? Any other suggestions or ideas? If I simply leave the individual stocks untouched, the money would go into the div ETFs in tranches.

Total TER at 0.22 (which is quite acceptable for me) - and the overlaps are known and also okay for me 😄

Once again, thank you from the bottom of my heart and have a nice rest of Sunday 😎

Best regards

EvD

Thank you for your constructive tips, suggestions and criticism!!! 👍🏻👌🏻 (@Chucky075 , @DADlikesCRYPTO , @Aktienmasseur , @Meikl_22 , @Dividenden-Sammler , @Berliner_Weltenbummler , @Epi)

I sat down and picked my portfolio apart. I evaluated each stock & ETF. I took a close look at the performance and dividend yield of the individual stocks and rated them according to points. Based on this points plan, I selected 6 ETFs for the new portfolio.

From 22 ETF titles, only 6 ETFs remain. I have selected the following ETFs:

• $HMWO (+0,03 %)
• 
  EUR 460.00 from the savings rate (approx. 82.14%)
• $AHYQ (-0,02 %)
• 
  EUR 40.00 from the savings rate (approx. 7.14%)
• $FUSD (+0,11 %)
• 
  EUR 40.00 from the savings rate (approx. 7.14 %)
• $EXH5 (+0,38 %)
• 
  EUR 40.00 from the savings rate (approx. 7.14 %)
• $XIEE (-0,04 %)
• 
  EUR 40.00 of the savings installment (approx. 7.14 %)
• $QYLE (-0,11 %)
• 
  EUR 40.00 from the savings installment (approx. 7.14 %)

All shares remain in place and are saved through savings plans. Furthermore, I have decided to leave the remaining 16 ETFs in the portfolio, but not to save any more.

The allocation of the portfolio should consist of 70% ETFs and 30% individual shares. The savings installment is EUR 800.00 per month. EUR 240.00 will be invested in individual shares and EUR 560.00 in the above-mentioned ETFs.

What do you think?

Do you have any tips or ideas?

Of course, I hope I've found the right approach now. 🙈🙊

Hi, my name is Max, I'm 18 years old and I'm interested in social media and the stock market.

That's exactly why I'd like to document my financial career on Getquin from now on and talk about it with you. As you can probably tell from the name, my goal is to retire at the age of 50. I would like to make this possible through my share portfolio. Thanks to an inheritance, I had the opportunity to skip the hard road to the first €100,000. However, as I was only 15 years old at the time I found out about the inheritance, I had a lot to learn first. Now I'm 18 years old and already know a bit more. Over time, the stock market has become my hobby and hardly a day goes by when I don't spend time with it.

How it all began

As already mentioned, my interest in the stock market was triggered by the inheritance I received in 2019. Since the deceased relative also had a great interest in the stock market and had invested very successfully for many years, my father thought it would certainly be in his interest if I invested the money too. Fortunately, my father is also very experienced in the stock market, so he was able to explain a lot to me. So it wasn't long before I bought my first ETF with him. This was classically the $IWDA (-0,03 %) . I also bought a fund for the Asian region $JQ8Y72 . At the time, this was a recommendation from a friend's bank. However, I sold this fund at some point with a loss of around 25%. That wasn't the best start, of course, but it did teach me how to deal with losses. In those early days, I learned a lot about the stock market from YouTube, but also from other platforms such as Der Aktionär and Finanzen100.

The first individual shares were added in 2023. That was back then $GOOGL (-0,05 %) and $DHL (+0,65 %) . This was followed by other tech giants such as $AMZN (+0,14 %) , $MSFT (+0,13 %) and $AAPL (-0,62 %) . I now have 17 different individual stocks. Looking at my portfolio, most of them will probably be familiar to you, but there are also some smaller stocks like $EUZ (+0,35 %) , $NHH and $LNN (-0,05 %) I bought because I find them exciting for the future.

Past and future

Fortunately, my portfolio has performed really well in recent years, in my opinion. This year, too, I am going into the new year with around 20%. Tech stocks in particular have performed strongly and generated decent returns. As I am very optimistic about the tech giants for the next few years, I will continue to hold them in my ETFs despite the doubling. As things stand today, however, I have 2 positions that I would like to change. $DHL (+0,65 %) will probably be the first stock to leave my portfolio. Personally, I just don't have the feeling that the company is developing as strongly as many of my other shares. Of course the DHL share is great as a dividend stock, but I want to focus on growth first. That's exactly why I'm going to $GGRP (+0,02 %) reallocation. The current replacement is the $FUSD (+0,11 %) . I like the quality focus behind these ETFs, but I don't need GGRP's shifted focus on dividend stocks, as I don't really care about dividends at the moment.

In September 2025, I will start my apprenticeship as a bank clerk. From then on, I plan to finally set up my first savings plan. As I'll still be living at home at this point, it should be easy to save a high proportion of my trainee salary. But I'm also making sure that it's not too high - after all, I don't want my quality of life to suffer because of my savings.

Building up additional income

I have been very interested in social media since 2020. When I was 14 years old, I started an Instagram page and reached over 25,000 subscribers within 1-2 years. During this time, I was doing really well financially and I experienced some really great things. For example, I raffled off 120 liters of beer to my community with a brewery. But I'll write a post about that in my subscriber feed soon. After all, the whole thing doesn't really have anything to do with the stock market, which is why I don't want to burden the homepage with it. However, if any of you are still interested, feel free to follow me and read the story soon.

There I will also explain again why I can no longer use the site.

I'm currently trying my hand at YouTube. I'm using artificial intelligence to create videos in the hotel niche. The results are surprisingly good. More on that soon ;)

I'm also currently trying to build up my reach on Instagram. I recently opened an account on Instagram, which should address the same topics as this Getquin account. If you are interested, you are of course welcome to drop by. I'll try to add the link to the account here:

Generation Aktienrente 📈| Vermögensaufbau mit 18 (@aktienrente.mit.50) • Instagram-Fotos und -Videos

With the help of these projects, I hope to be able to build up a more or less passive income in the future, which I can then put directly into my share portfolio. However, to be honest, I also enjoy them as they are, which is why an additional income is not absolutely necessary.

Nevertheless, I will upload regular updates to my feed, which will document my current projects and their developments in detail.

End

This brings us to the end of my first article. I hope I have been able to arouse the interest of at least a few of you and would of course be delighted to receive feedback and suggestions for improving my portfolio and my plans.

I wish you all a happy new year!

Tonight I also triggered a limit order at $BTC (+2,4 %) triggered a limit order. A first smaller partial tranche has been sold. Everything is going according to plan. I have even revised the targets announced in my #krypto -I have even adjusted some of the BTC targets announced in my post upwards. This means that the limit order was triggered at around USD 106,500 / EUR 99,000. Over USD 10,000 more than planned. The order, which I also placed with a lot of gut feeling after my analysis, happens to be as good as the nightly top 🥰

The next tranche is at 104,000 EUR / 109,300 USD.

Even though my planning and analysis is based on USD prices for crypto, I have set the limit orders in EUR prices.

I am now also publishing what the profits and stakes will be reinvested in. The exact securities I am looking at have not yet been explicitly mentioned.

So far, investments have been made in $HSBA (-0,49 %) from the proceeds of $XRP (+3,19 %) , $LINK (+2,78 %) and the first tranche of $UNI (+4,44 %) -sales.

From today's first tranche of $BTC (+2,4 %) -sales, I entered $SHEL (-0,1 %) I have entered.

What else will come according to plan? $BP. (-0,52 %) As a single share. I would then have 3 shares to cover the third month of each quarter with distributions in a separate portfolio. I want to cover the first two months with ETFs, including the first month with either the $EXSB (+0,03 %) or (and) $EXX5 (-0,21 %) and the second month with the $FUSD (+0,11 %) . Will there be any overlaps with my main or one of the two old ETF portfolios in terms of the composition of the securities? For sure! But that doesn't matter to me, as I consider this portfolio, in which the crypto stakes and profits are invested, separately. As you can see from my articles, this is all about building up the basis, the dividends from which I will then use to build up new crypto holdings in the coming bear market so that I don't have to draw on my net salary. This is because the net salary is firmly earmarked for the regular savings plans and the distributions from the main and old portfolios.

Based on the current prices, I think that my second BTC tranche will be the next to fall. The altcoin season should start very soon. I can hardly wait $BCH (+0,1 %) , $LTC (+3,04 %) , $SOL (+4,93 %) , $DOT (+2,17 %) , , the rest $UNI (+4,44 %) and $MATIC (+1,34 %) to finally get rid of it. But I think it will be most exciting with the higher planned tranches at $BTC (+2,4 %) and $ETH (+3,16 %) .

Part I

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So far, the core of my portfolio has consisted of the MSCI World $HMWO (+0,03 %) and has brought me around 26% price gains and a few distributions. However, comparisons and back tests have shown that the MSCI World is not the best choice for the portfolio.

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The satellites consisted mainly of shares in well-known, large and often safe companies. I have gradually changed this over the last few weeks and you could say that the portfolio is changing in the direction of growth stocks with significantly higher risk and return potential. Whether and how successful I will be here is not too important in principle, as I still have a solid core, but it is precisely this core that is in the dock today.

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After spending the last few weeks looking at my portfolio and getting a lot of positive input, information and tips here on Getquin.

I have found the following ETFs that could perhaps form a better core for my portfolio.

A) The best known first, the S&P 500 $IUSA (+0,03 %) . If I were to start investing again today and did not know the following ETFs, I would opt for this one instead of the MSCI World.

B) The ETF mentioned by @Epi mentioned ETF, $WTEF (-0,11 %) . A portfolio concept consisting of 60 % US equities + 40 % bonds. Almost like the ARERO 😜 $LU0360863863 (+0,07 %) only much better. Because the performance so far has been very close to that of the S&P500. And I think that in turbulent stock market years, bonds will provide stability and returns. However, the fund is only one year old and so there is still little data available.

C) Then we have my favorites so far, 2 actively managed ETFs from JP Morgan.

One is the global variant $JRDG (-0,03 %) including emerging markets. Here, undervalued companies are overweighted according to fundamental data. Since its launch in September 2021, this fund has returned 11.88% p.a.

And then the counterpart to the S&P500 $JRUD (+0,11 %) the aim of this ETF is to outperform the S&P500 and to this end it also includes US equities that are not included in the index.

Since launch, December 2019, 16.5% p.a. has been achieved.

D) Then we have four dividend growth stocks. These have also beaten the MSCI World at times: $TDIV (-0,19 %)
$FUSD (+0,11 %)
$FGEQ (+0,12 %)
$GGRP (+0,02 %)

The $FUSD (+0,11 %) with a return of 13.66% p.a. since its launch in March 2017.

E) The iShares Dow Jones Global Titans 50 $EXI2 (+0,28 %) which has outperformed the S&P500 for many years and has realized 17.38% p.a. over the last 5 years, for example.

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I did some back testing to see how you could build a portfolio with these ETFs. However, most ETFs have not been around long enough to provide meaningful data. I also find the backtest very tedious as no perfect allocation is calculated or suggested, instead I have to work my way forward percentage by percentage. In short, I was not successful in backtesting.

I used these websites for the tests and comparison:

https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults

https://curvo.eu/

https://extraetf.com/de/etf-comparison?products=IE0031442068-etf,IE000KF370H3-etf,IE000HFXP0D2-etf,IE00BJ06C044-etf,NL0011683594-etf,IE00BYXVGX24-etf,IE00BYXVGZ48-etf,IE00BZ56RN96-etf,DE0006289382-etf

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I would prefer to take them all and only buy the ones that are doing badly at the moment. But that wouldn't work because these ETFs overlap a lot and the correlation is therefore very high. ☹️

Perhaps the most dispensable would be the "dividend ETFs", $TDIV (-0,19 %) and $GGRP (+0,02 %) . These have some of the highest fees and the weakest performance. However, these are precisely the ETFs that overlap the least with the others. $TDIV (-0,19 %) could pass as Europe (55%) share of the portfolio. If you want to take Europe into account. It would be interesting for me if one region is doing well and the other is doing badly, because I could then make counter-cyclical purchases.

If overlaps and correlations are very high and costs are similar. Then it wouldn't matter whether I have them all in small chunks or large shares of one or a few ETFs. The difference should then be marginal. 😅

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Should I really only choose one or a few? What am I missing out on? How do you find the right one(s)? Has anyone built a portfolio from these ETFs? How do you make the right decision?

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Part II

https://app.getquin.com/de/activity/HQueJcsExE

I would like to liquidate one of these two ETFs:

$FGEQ (+0,12 %)

$FUSD (+0,11 %)

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They overlap too much. The top positions are the same. The risk figures and ratios are therefore very similar.

I know this community loves the global ETF and doesn't like the US overweight, but there are some arguments in favor of the US Quality Income in my opinion: yield and cost.

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The global Quality Income has generated a total return of 124% since inception in March 2017, while the US Quality has generated 162% over the same period.

The TER & TD are already included in this data. (In any case, the US Quality Income not only has the lower TER of 0.25%, but also the positive tracking difference of -0.14%. While the global ETF has a TR of 0.4% and costs another +0.1% in TD).

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In Europe, the MSCI World is considered a solid basic investment. I assume this is also the reason why the Fidelity Global Quality Income is the more popular one here.

In other parts of the world, however, the S&P500 is the underlying investment, which would also explain why US Quality Income has the larger fund size.

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For the sake of completeness, I would like to mention that I also have these two ETFs:

$TDIV (-0,19 %) (US share only 29%)

$GGRP (+0,02 %) (US share,63 %)

If you look at the overall picture, you could say that these two ETFs give me country diversification and that I should take the better and cheaper of the ETFs mentioned above?

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Long story short. Which one should I throw out? And why?

The enemy of the best is often the good.

I have these ETFs in my portfolio:

$TDIV (-0,19 %)

$GGRP (+0,02 %)

$FUSD (+0,11 %)

$FGEQ (+0,12 %)

Some, if not all, have outperformed the MSCI World at times.

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At the moment they are all about the same weighting and should be increased further. While I am trying to implement a growth strategy with equities, these ETFs are intended to generate passive income.

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Objectively speaking, I would have to sell the $FUSD (+0,11 %) as it further increases the US share and overlaps heavily with at least two of the other ETFs. In other words, it reduces diversification in all respects.

But on the other hand $FUSD (+0,11 %) also the one with the best past return and will probably remain so in the future.

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One approach could be to take the US weighting and overlaps into account in the ETF weighting of the portfolio and implement it as follows, for example:

$TDIV (-0,19 %) 40%

$GGRP (+0,02 %) 30%

$FGEQ (+0,12 %) 15%

$FUSD (+0,11 %) 15%

If the ETFs were weighted in this way, the following allocations would result:

Countries/Regions:

USA 56.4%

Canada 4.4%

Europe 33.2%

Asia 5.4%

Top 10 weighting:

$MSFT (+0,13 %) 3%

$AAPL (-0,62 %) 3%

$VZ (-0,06 %) 2,3%

$CVX (-0,21 %) 2,1%

$ROG (+1,1 %) 2%

$NVDA (+0,12 %) 1,9%

$PFE (+0,3 %) 1,7%

$HSBA (-0,49 %) 1,6%

$IBM (-1,39 %) 1,4%

$AVGO (+2,39 %) 1,4%

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What do you think of this allocation example? Do you have any suggestions for improvement or comments?

Saving up: Gold + All-World ETF

Hello dear community,

I have a question for you on the subject of long-term saving and gold:

I have 6 savings plans with dividend ETFs running, always two per payout interval with growth ETF and high payout combined. In addition to the DIV ETFs, I also have REITS and BDCs for dividends, which I would also like to expand further. Of course there are overlaps!

I feel comfortable with this and would like to continue saving in this way:

DIVIDEND ETFs | January, April, July, October

$ISPA (-0,25 %) + $EXX5 (-0,21 %)

DIVIDEND ETFs | February, May, August, November

$FUSD (+0,11 %) + $IMEU (+0,01 %)

DIVIDEND ETFs | March, June, September, December

$TDIV (-0,19 %) + $VUSA (+0,02 %)

Now the question arises for me: how can I diversify even further or save in an accumulating manner?

The following would be considered

$EWG2 (+0,08 %) and then also sell tax-free after a holding period of at least 1 year if the trend is positive and generally $FWRG (-0,03 %) save bluntly and leave it. Possibly also $BTC (+2,4 %) via Bitpanda or similar (not via Neobroker)

What is your opinion on saving the Invesco All-World and gold in addition to the dividend ETFs, as compensation when there are general price slides?