Yesterday I set myself the challenge of completing my tax return using the Taxfix tax software and submitting it to the tax office on the same day. The expected result was EUR 1,613.00. To be honest, I had expected a higher refund in tax year 2024 due to the high tuition fees of around EUR 4,240 and other factors. But as is so often the case in life, the tax office and the tax return surprise us in an amusing way. :-)

Imagine you receive an additional capital inflow of EUR 1,613.00 - how would you use this amount? Would you invest in new shares, build on your existing positions, invest in ETFs, go for precious metals or plunge into the world of cryptocurrencies? I look forward to hearing your ideas and personal experiences on this scenario!

Out of pure interest in an exchange of opinions: If you can take a look at my current portfolio, which positions would you consider worth buying in the event of a similar influx of capital? I am also happy to receive the odd humorous comment ;-)

#etfs
$VHYL (-0,58 %)
$FUSD (-1,38 %)
$D6RM (-0,54 %)

#stock
$TSLA (-4,32 %)
$GOOGL (-2,28 %)
$MS (-1,6 %)
$CS (+0,45 %)
$NOVO B (+5,32 %)
$ASML (-0,72 %)
$MUV2 (-0,6 %)
$CNQ (-0,99 %)
$GGG (-1 %)
$MC (+0,4 %)
$DHL (+0,55 %)
$TKA (+0,24 %)
$RIO (-0,51 %)
$ADBE (-2,14 %)
$MPW (-2,1 %)

#stock
$BICO (-4,29 %)
$9866 (+2,04 %)
$SVA
$TECO (-67,57 %) (Insolvency filed)

#edelmetalle
$965515 (-0,13 %)

#krypto
$BTC (+0,86 %)
$ETH (+4,38 %)
$ADA (+1,48 %)
$FET (+6,22 %)
$BNB (+2,06 %)
$CAKE (-2,44 %)
$AXS (+1 %)

Hello getquin community!

I recently came across this platform and signed up straight away to track my portfolio more clearly. For the most part, entering my transactions worked well, but I had to enter some positions manually, especially my gold savings plans (I use the average price to simplify this). Before I share my portfolio with you and look forward to your opinions and suggestions for improvement, I'd like to briefly introduce myself:

My name is Burhan, I'm 29 years old and I come from a town in North Rhine-Westphalia. I work in the insurance industry and am completing two part-time degree courses at the same time (because free time is overrated 😉):

• Business economist for financial services (until January 2025)
• Business administration with three specializations (until April/May 2025).

My way into the world of (small) investors:

I started investing - or rather, trading and chart analysis - when I was 18. Back then, I invested small amounts in leveraged products such as the DAX or WTI oil. Although I made more profits than losses during this time, I learned an important lesson: it is crucial to regularly check take-profit and stop-loss levels in order to avoid capital losses.

However, I only started investing for the long term in 2019. My first step was a savings plan with EUR 25 per month in a fund from Deka ($D6RM (-0,54 %) ) - the first dividend I received was a small sense of achievement for me. Later came savings plans for individual shares ($LHA (-0,44 %) and $SHA) and commodities ($965515 (-0,13 %)) were added. I also used my employer's capital-forming benefits (EUR 40 per month) to further expand my investment in the Deka fund.

My current investment strategy:

Over the last few years, I have tried out and learned a lot and finally developed my personal strategy:

1. basic ETFs:

With the $VHYL (-0,58 %) and the $FUSD (-1,38 %) I would like to create a stable foundation.

2.
Individual shares:

Here I deliberately focus on non-US companies (with a few exceptions) in order to diversify my portfolio and reduce the US dominance somewhat.

My selection criteria for individual stocks:

• At least 30 % share price growth in the last 5 years.
• At least 10 years dividend history.
• 
  Dividend yield of either:

- approx. 1 %combined with an average dividend increase of 10 % over the last 5 or 10 years, or

- approx. 2,5 %combined with an average dividend increase of 5 % over the last 5 and 10 years respectively.

For example: $MS (-1,6 %) / $GGG (-1 %) / $CS (+0,45 %) / $ASML (-0,72 %) / $MUV2 (-0,6 %) / $CNQ (-0,99 %) / $MC (+0,4 %) / $TKA (+0,24 %) / $DHL (+0,55 %)

3. Gold:

My gold savings plan is still running because diversification is important - and a little sparkle in the portfolio never hurts.

4. Cryptocurrencies:

The proportion is deliberately low and I plan to concentrate only on $BTC (+0,86 %) in the future. Everything else will probably be dropped soon.

5. Cash:

Part of my capital is in a call money account so that I can react flexibly to opportunities or unexpected events - who knows when the next dip will come.

The aim of the asset class allocation:

- 37.50 % ETFs

- 37.50 % individual shares

- 10.00 % commodities

- 5.00 % cryptocurrencies

- 10.00 % Cash

In addition, a good deal is currently underway to buy real estate (purpose: rental) - I am still curious.

I hope my first post wasn't too long and that you've made it this far! 😉 I look forward to your feedback, opinions and tips - keep them coming!

Hi Dear GQ Community,

this is my first time writing here and I would like to hear your opinions on savings plans for my son.

I gratefully accept optimizations 😁

Since his birth in June 2017 I have opened a custody account for Him. There their ETF $n/a (-0,54 %) with 50€ saved.

Since September 2022 I have opened a children's account at Ginmon with a savings amount of 150€. Ginmon invests very diversified.

Since December 2022, another 150€ is saved in a children's deposit with Barmenia. These have a savings plan in $n/a (-0,9 %)
$WLD (-1,09 %)
$LYPS (-1,16 %)
$n/a (-1,98 %)
$n/a (-0,08 %) 30€ each.

My question:

Would it make more sense to open a children's account with a broker to manage the savings plans themselves? If YES which ETF's would you recommend for the savings rate of 350€?

Thank you in advance ☺️

Finally "free" from Deka and the capital in your own hands ✌🏽