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 (-0,36 %) position is in the savings plan.

$ALV (+0,66 %) The savings plan ran initially and I am currently simply holding the position and not expanding it any further.

$QYLE (+0,03 %) 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 (+0,35 %) runs in the savings plan to increase the European share.

$IUIT (-0,92 %) I like to buy more when there are setbacks and use it as a yield booster. Also in the savings plan.

$BTC (-0,21 %)
$ETH (-0,12 %)
$SOL (-0,22 %) are partly older. I'm thinking about expanding them.

I would be pleased to hear your ideas and opinions on how you would act - 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:

• 340 € Vanguard FTSE All-World $VWRL (-0,36 %)
• 85 € SPDR MSCI World Small Cap $ZPRS (-0,16 %)
• 75 € Amundi Stoxx Europe 600 $MEUD (+0,35 %)

Satellite:

• 75 € ASML $ASML (-1,59 %)
• 40 € FTSE India $FLXI (-0,34 %)
• 37 € Euwax II $EWG2 (+0,63 %)
• 20 € VanEck Defense $DFEN (+1,62 %)
• 20 € WisdomTree Coffee $COFF (+2,61 %)
• 24 € Bitcoin $BTC (-0,21 %)
• 16 € Ethereum $ETH (-0,12 %)

I have recently started to focus on 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.

Hello everyone,

I am about to replace my current occupational disability insurance with a basic pension with occupational disability cover.

I currently pay €77 per month for my occupational disability insurance. If I don't become disabled, my paid-in capital will be forfeited. In the event of disability, I would receive a monthly pension of around €1,900 with my current insurance.

I have now been offered a basic pension from Alte Leipziger, which I can also claim for tax purposes. This is not possible with my current contract. With my gross annual salary, this results in tax savings of around 45.4% and a subsidy rate.

The monthly costs for the basic pension would amount to around €115 after tax, without tax deductions it would be around €209 per month.

The cover amounts to € 2,500 per month (the higher amount is due to social insurance), which also corresponds to around € 1,900 in the event of occupational disability. A performance of 6% is required.

I can choose the ETF myself.

My question is: would you choose an ACC or DIST ETF?

You can choose, for example, the $VWRL (-0,36 %)
$WEBN (-0,36 %)
$VHYG (-0,17 %)

A 70/30 portfolio from iShares would also be an option.

My insurance advisor has already made a suggestion:

40% $IWDA (-0,38 %)

20% $EIMI (+0,34 %)

7,5% $CBUX (-0,26 %)

15% $MEUD (+0,35 %)

7,5% $XAIX (-0,33 %)

10% $SRS22H

I would like to hear your opinion on this.

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

My savings plan:

70% $VWRL (-0,36 %) Core

15% $WGLD (-0,2 %) - I am convinced of gold

15% $MEUD (+0,35 %) - Patriotic, deliberately overweight Europe

+ occasional BTC purchases.

$MSTR (-3,33 %) and $CSNDX (-0,89 %) are sold as soon as they are green and regrouped. Realizing losses probably makes no sense here?

Hello dear community,

after not really being active for a few months, I thought I'd draw my first conclusions at the halfway point of my annual financial goals. A warning up front, the success so far is manageable to say the least 😙.

Before that, a few stats on the overall portfolio:

📌 YTD: approx. -5.33% as of today

📌 Shares/ETF: €12,150 invested

📌 $BTC (-0,21 %) / $SOL (-0,22 %) 2,500€ invested

Now let's check the targets:

🎯 Raise the portfolio to €70k

Phew, the orange man had something against it, currently unrealistic in view of the required performance and the investment volume still to come.

🎯Do more research, as it feels like I haven't done anything for 7-8 months in 2024

Up and down, sometimes yes, sometimes no... I'm working on it, let's put it this way.

🎯Focusing more on equities and not getting bogged down in the crypto bubble

Worked well so far, $SOL (-0,22 %) Savings plan is now paused, focus is only on $BTC (-0,21 %) . No other coins have been bought...

🎯Expanding my knowledge of basic financial topics, especially in the area of chart analysis and company data/earnings

Phew, mixed, started but never followed through...still have 6 months to go.

🎯Just listen to more financial podcasts

Works quite well, I actually listen to the usual suspects regularly

🎯Significantly increase the weighting of the MSCI World

Currently still far too little, but I'm working on it...

🎯The most important thing: to finally convince my better half to invest

Missed the maximum, there's less than before and not a cent has been invested 😆

What happens next?

I have currently suspended a large part of the savings plans on individual shares and continue to focus on $IWDA (-0,38 %) and $MEUD (+0,35 %) . According to the current plan, around €6,000 will still be invested this year.

With this in mind, keep applying cream ☀

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 (-0,36 %) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (-0,25 %)
$EUHD (+0,42 %) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (-0,85 %)
$XNGI (-0,74 %) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (+0,35 %)
$WSML (-0,25 %)
$IEEM (+0,31 %) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-0,2 %) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)

50 % $IWDA (-0,38 %)

30% $EIMI (+0,34 %)

20% $MEUD (+0,35 %)

However, I am considering switching all of this to $VWRL (-0,36 %) does that make sense or what do you think?

Hello 🙋🏽‍♂️

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

So far I am following a passive strategy from the $IWDA (-0,38 %) , $EIMI (+0,34 %) and the $MEUD (+0,35 %)

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.

...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 (-0,38 %) / MSCI World
• 15% in $MEUD (+0,35 %) / EuroStoxx Europe 600
• 10% in $BTC (-0,21 %)

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

• $MSFT (-1,31 %)
• 
  $NVDA (-1,76 %)
• 
  $GOOGL (-0,2 %)
• 
  $NOVO B (-3,43 %)
• 
  $AMZN (+1,09 %)
• 
  $AMD (-6,4 %)
• 
  $NKE (-0,47 %)
• $HIMS (+1,78 %)

Possible first entries would be the following:

• $AAPL (-0,13 %)
• 
  $CMG (-0,66 %)
• 
  $RACE (+0,92 %)
• 
  $V (-1,56 %)
• 
  $BSX (-2,82 %)
• 
  $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!