I'm due to make an annual adjustment to my savings plans.

I have the following picture in mind:

Category
ETFs
Monthly share (total: 630 €)

1) Global broad (Core)

$VWRL (-0,62 %) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (-1,07 %)
$EUHD (-1,2 %) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (-0,2 %)
$XNGI (-0,3 %) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (-0,91 %)
$WSML (-1,32 %)
$IEEM (-0,18 %) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-0,07 %) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)

50 % $IWDA (-0,54 %)

30% $EIMI (-0,19 %)

20% $MEUD (-0,91 %)

However, I am considering switching all of this to $VWRL (-0,62 %) does that make sense or what do you think?

As I have only ever been a silent reader here, I would now like to share my portfolio with you in order to get tips, criticism and inspiration from the community.

Briefly about me: 27 years old, with a portfolio that is intended to supplement my pension later on.

The 3 ETFs form the core and are saved monthly. Currently with 1000€ in the $LYPS (-0,53 %) and 200€ each in $LOCK (-0,28 %) and $MEUD (-0,91 %) .

Directly to $LOCK: (-0,28 %) I am aware that I am of course heavily dependent on one sector here. However, I see cybersecurity as a relevant area in the future, which is currently still very much overshadowed by AI and robotics. I am aware of the high risk, but I can still sleep well with it at the moment.

I buy individual stocks when I have money left over. In the future, one or two shares will be added to or exchanged.

Thank you for your opinions. 🫡

Hello 🙋🏽‍♂️

how do you feel about sector ETFs with a long investment horizon?

So far I am following a passive strategy from the $IWDA (-0,54 %) , $EIMI (-0,19 %) and the $MEUD (-0,91 %)

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.

🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (-1,31 %) and $TSM (+0,69 %) were proved wrong.

To my delight $RSG (-2,76 %) , $V (-2,1 %) and $DE (-1,88 %) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD 2025: -3.65 %

📉 TTWROR 2025: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (-2,76 %) +15,81%

🥈 $V (-2,1 %) +6,69%

🥉 $DE (-1,88 %) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (+0,69 %) -19,13%

🥈 $ASML (+0,45 %) -10,71%

🥉 $IS3R (-0,79 %) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (-0,62 %) x5,55

🔄 03/2025: $IS3R (-0,79 %) x2,80

🔄 03/2025: $5MVL (+0,06 %) x1,83

➡️ 03/2025: $TSM (+0,69 %) x1,726

➡️ 03/2025: $ZTS (-0,71 %) x2,093

➡️ 03/2025: $UNH (-1,31 %) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (-2,1 %) +1,05€

💸 03/2025: $ZTS (-0,71 %) +2,28€

💸 03/2025: $UNH (-1,31 %) +1,97€

🔄 02/2025: $ISAC (-0,62 %) x6,8

🔄 02/2025: $MEUD (-0,91 %) x0,50

⬅️ 02/2025: $BRK.B (-1,87 %) +51,29€

⬅️ 02/2025: $PG (-1,16 %) +543,98€

💶 02/2025: Interest +€25.20

💸 02/2025: $DE (-1,88 %) +4,06€

💸 02/2025: $ASML (+0,45 %) +2,68€

💸 02/2025: $COST (-1,83 %) +0,03€

💸 02/2025: $PG (-1,16 %) +2,83€

🔄 01/2025: $ISAC (-0,62 %) x5,75

🔄 01/2025: $MEUD (-0,91 %) x0,53

➡️ 01/2025: $UNH (-1,31 %) x1

➡️ 01/2025: $TSM (+0,69 %) x2

➡️ 01/2025: $BTC (+1,14 %) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (-2,76 %) +1,16€

💸 01/2025: $SYK (+1,62 %) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

...further advance 🤸‍♂️

Hello Community,

My bonus will hopefully arrive at the end of April and of course I want to invest it. I'm currently toying with the idea of dividing it up roughly as follows:

• 25% in $IWDA (-0,54 %) / MSCI World
• 15% in $MEUD (-0,91 %) / EuroStoxx Europe 600
• 10% in $BTC (+1,14 %)

For the rest, I would like to lower my entry prices depending on the market situation:

• $MSFT (-0,03 %)
• 
  $NVDA (+4,48 %)
• 
  $GOOGL (+1,81 %)
• 
  $NOVO B (-4,84 %)
• 
  $AMZN (-0,94 %)
• 
  $AMD (+3,64 %)
• 
  $NKE (-1,38 %)
• $HIMS (-3,4 %)

Possible first entries would be the following:

• $AAPL (-0,11 %)
• 
  $CMG (+0,44 %)
• 
  $RACE (+0,09 %)
• 
  $V (-2,1 %)
• 
  $BSX (-0,45 %)
• 
  $BLK

In the end, one or the other will certainly be thrown out, as I don't get a million-dollar bonus here 😥. The investment period is > 15 years, so I'm not even trying to time it here, unless the prices have gone up 40% by the end of April, which I'm not assuming. I am well aware that the MSCI World already tracks a lot of the individual stocks.

Do you still have any exciting quality stocks that are worth a look?

Thanks!

Which positions should I continue to build or sell, the crypto positions were blind buys without having a clue. My "plan" would be to use savings plans to increase my position in $IWDA (-0,54 %)
$DAX and $MEUD (-0,91 %) with savings plans. Is it a good idea to delete TR and give the portfolio time? I'm only 4 months in and still learning every day. Would appreciate any answers.

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 $DE000EWG0LD1 (+0,87 %) and will invest it broadly diversified in the stock market ($IWDA (-0,54 %) , $MEUD (-0,91 %) , $EIMI) (-0,19 %) in the stock market.

What is your opinion on this idea?

I have a question, do you think it pays to have the $IWDA (-0,54 %) having $CSPX (-0,36 %) , o $MEUD (-0,91 %) and $EIMI (-0,19 %) ?

Good morning community, I'm 23 years old, I've recently started investing and I want to continue consistently.

I hope to improve my portfolio with this community and grow over time!

Thanks for the recommendations, I read them all and analyze and apply them according to my investment profile.