Hi ,

my name is Karsten . I have lived all the years of my life without paying much attention to stocks and stock markets. At some point I completed my VWL and saved monthly in a European equity fund, then a fund policy was added, which at least put its amounts into a good international equity fund. In 2020, I then started to get to grips with the stock market and saved monthly in ETFs - without going into the typical beginner's mistakes in detail :-) sometimes more, sometimes less, wildly into various ETFs, so that at some point there was an ever-increasing number of ETFs with a savings rate of around € 150 :-) 2024 then gradually gathered more information and for about a year now a consistent monthly savings rate in six ETFs, which I am happy with:

45% $IS3R (-0,18 %)

15% $VNRA (-0,12 %)

11% $LCUJ (-1,32 %)

11% $IEEM (-0,51 %)

11% $MEUD (-0,2 %)

7% $WSML (-0,84 %)

A few months ago I started to read more and more information about individual stocks, valuations, strategies etc. ..... And here I would just like to say thank you to many people here, for example @BamBamInvest , @Multibagger , @Tenbagger2024 , @Aktienfox and others !

I started investing in individual stocks about 3 months ago - 85% is consistently put into savings contracts, 15% of the capital is for individual stocks. I thought to myself, hey - people spend € 100 on golf or fitness clubs - if you have such expenses, these funds are invested in further stock education :-) The first month was a plus / minus zero game ( so better than the monthly fee for the golf club ), the last two months have averaged € 450 plus with a lot of learning effects and moments - what a pleasant situation : € 300 were put into the monthly savings plans and thus doubled the savings rate, € 150 invested for the family ( food / cinema ) - I am already aware that there are currently strongly rising prices / markets and it requires rather a certain skill not to make these small profits in this momentum. In any case, for the time being I've only looked at momentum / short-term stocks and now with $AMZN (+0,24 %) and $QCOM (-1,12 %) also invested in two stocks that I see as longer-term investments.

In any case, a big thank you for this community - it broadens my horizons immensely, including the fact that I now know many companies that are, for example, in the $VNRA (-0,12 %) and $WSML (-0,84 %) are listed !

If I have something meaningful to say, I will be happy to speak up more in the future, but I grew up with the value system "If I can't contribute anything, I'll just shut up" or as Roger Wilhelmsen once said so beautifully ." Where do most people get all their ignorance from"

A silent reader for a long time, now my first post asking for feedback on my portfolio.

# Investment strategy

- Core-Satellite with MSCI World $IWDA (-0,28 %) , $SPPW (-0,32 %) and SP 500 $CSPX (-0,13 %) , $I500 (-0,12 %)

- Monthly investment: € 3,000-6,000 (fluctuates seasonally/because of bonuses and vacations).

- Current monthly savings plans: $VFEG (-0,52 %) Emerging Markets 1000€, MSCI World 1000€, Euro Stoxx 600 $MEUD (-0,2 %) with 600 € + $EWG2 (+0,76 %) Gold and $BTC (-2,64 %) -purchases on top without a fixed savings plan.

- Individual shares: US Hyperscaler $GOOG (-1,15 %), $MSFT (-0,79 %), $AMZN (+0,24 %) due to professional proximity, US share deliberately reduced by other stocks, etc. $DTE (+0,14 %) , $NOVO B (-0,84 %) , $ASML (-2,19 %) ,

$ALV (+0,08 %)

- Target weighting for alternative investments (gold/BTC) at least 10%.

- S&P 500 savings plan currently suspended as valuations appear too high.

- In future possibly: Max. 10% in speculative individual stocks (max. 2% per security). There are always interesting ideas here in the community

# Targets

1. remaining amount from house loan: due in 5 years € 35k (currently € 600/month charge) + in 10 years € 217k (currently € 1,600/month charge). Due to favorable interest rates (1.3%), I do not make any early unscheduled repayments.

2. building up retirement provision & financial freedom.

# Notes

- I have 2x SP500 and 2x MSCI World because I switched due to high gains and lower TER. It was recommended somewhere because of the FIFO principle for payouts. In retrospect, I would solve this at ING with a 2nd custody account.

- I have my BTC with Bitvavo and am satisfied

- Child custody account: In $TDIV (-0,04 %) invested, dividends (~600 €/year) are reallocated to MSCI World to use the exemption order, current custody account value for the 4-year-old: 4,900 €.

- Both employed (41/36 yrs.), gross household income ~€185k/year, wife works 32 hours/week.

- Property value house (new build 5 years ago in a medium-sized state capital), rented and paid-off condominium (600e/m net rent), occupational pension, Riester ETF are not included here.

My tip to the getquin community: Don't forget to live your life while investing :-)

For me:

• Own house -> quality of life is priceless, I can only recommend it to everyone, even if I had to almost completely liquidate my portfolio 5 years ago
• Road trips in the USA/Canada (before child and before Trump) -> countless great experiences
• Ford Mustang GT Convertible (6th gen) -> :-)

Hello everyone,

My mother would like to invest money. A total of €30,000

15,000 will be invested in the $VWCE (-0,28 %)

5,000 € in the $MEUD (-0,2 %)

5,000 € in the $JEGP (+0,11 %)

5,000 € remain in the clearing account

The interest from the clearing account and the monthly dividends are to flow into a money market ETF.

Do you have any recommendations?

Hi, I'm 23 years old and this is my portfolio at the moment. I make the following monthly savings plans:

$MEUD (-0,2 %) 125€

$XEMD (-0,4 %) 50€

$TSWE (-0,82 %) 100€

$XDWD (-0,31 %) 175€

I have now considered whether I should add 2-3 shares to the portfolio. But I'm not quite sure which ones and would like to know your opinion.

Hello everyone,

I am 28 and would like to invest for the long term. My savings rate is around 600€-800€ per month.

Briefly about the current positions:

The $VWRL (-0,32 %) position is in the savings plan.

$ALV (+0,08 %) The savings plan ran initially and I am currently simply holding the position and not expanding it any further.

$QYLE (-0,37 %) was also once in a savings plan. The aim here was to generate cash flow, but I would now rather reallocate in order to get a higher return in the long term.

$MEUD (-0,2 %) runs in the savings plan to increase the European share.

$IUIT (-0,34 %) I like to buy more when there are setbacks and use it as a yield booster. Also in the savings plan.

$BTC (-2,64 %)
$ETH (-3,8 %)
$SOL (-4,07 %) are partly older. I am considering expanding them.

I would be pleased to hear your ideas and opinions on what you would do - also with regard to regrouping and structuring the savings plans.

Thank you very much for your encouragement!

Thank you for your input, feedback is the only way to develop further. The result is an adjustment to my future portfolio structure, including savings plans.

Core: (68,31 %)

• 46.45 % Vanguard FTSE All-World $VWRL (-0,32 %)
• 11.61 % SPDR MSCI World Small Cap $ZPRS (-0,8 %)
• 10.25 % Amundi Stoxx Europe 600 $MEUD (-0,2 %)

Satellite: (31,69 %)

• 10.25 % ASML $ASML (-2,19 %)
• 5.46 % FTSE India $FLXI (+0,21 %)
• 5.05 % Euwax II $EWG2 (+0,76 %)
• 4.10 % WisdomTree Coffee $COFF (-1,22 %)
• 3.28 % Bitcoin $BTC (-2,64 %)
• 2.19 % Ethereum $ETH (-3,8 %)
• 1.37 % VanEck Defense $DFEN (-0,96 %)

I have recently started using a broad core-satellite strategy with ETFs, individual stocks, themes and crypto.

My portfolio is currently still being restructured. I want to have completed this by the end of Q4 2025.

#getquin #getquincommunity #depotupdate #coresatellite #savings plan #etf #etfinvesting #stockportfolio #crypto #restructuring #investment strategy

Hello, here is my current portfolio. With a current return of -3.77%. How would you rate it?

My savings plan:

70% $VWRL (-0,32 %) Core

15% $WGLD (+0,95 %) - I am convinced of gold

15% $MEUD (-0,2 %) - Patriotic, deliberately overweight Europe

+ occasional BTC purchases.

$MSTR (-6,56 %) and $CSNDX (-0,16 %) are sold as soon as they are green and regrouped. Realizing losses probably makes no sense here?