A little bit of rearranging....$EWG2 (-0,51 %)

The start of my portfolio was made possible by my parents - I am very grateful for that. Since I started my dual studies in business banking, I have regularly invested my own savings installments, which come directly from my income.

My strategy is long-term and deliberately broadly diversified. The core consists of three ETFs:

• 50 % MSCI World
• 30 % MSCI Emerging Markets
• 20 % Stoxx Europe 600

For me, this basis forms the foundation for balanced and stable asset accumulation.

I also hold a separate secondary portfolio in which I deliberately take on a little more risk - with smaller positions in a double-leveraged MSCI USA, Bitcoin and selected individual shares. The aim is to increase the return potential somewhat without losing sight of the solid ETF strategy. In the future, I would also like to $EWG2 (-0,51 %) save with a small amount.

My long-term goal is to achieve financial freedom. A goal that not only fits in with my personal values, but also harmonizes well with my professional orientation in the banking sector.

I am always open to suggestions for improvement and further tips.

Apart from the current standard reasons "geopolitical uncertainties, expectations of interest rate cuts, weakening US dollar", I can't think of any 🤷‍♂️

$PHAG (+0,51 %)

$IGLN (-0,59 %)

$EWG2 (-0,51 %)

$SPGP (+0,64 %)

$GDXJ (+0,38 %)

$FR (+0,93 %)

$FF (-2,89 %)

$BTO (+0,32 %)

TL;DR like to roast my deposit, appreciate all opinions!

I always find the many posts here and reading various biographies very interesting, so I've wanted to say a few words for a while now.

Tried early, but started late

I am now 32 and unfortunately started investing seriously far too late, studied far too long, and with the larger salaries finally built up as much as possible and tried to catch up as quickly as possible. "Unfortunately" means for the most part the past calendar year, which is why I put a large part of my money into shares at already high prices and then had very little cash left in the crash to add to it. Fully invested, in other words. During the crash, I mainly reallocated and continued to fully invest what was left over from my monthly salaries.

Yet back in 2011, at the age of 18, I had a share called Facebook and a Starbucks share in my portfolio without much of a clue. I just wanted to know what my mother was actually doing with her shares and how it worked, and with FB and Starbucks I simply chose two companies that "everyone" uses/needs anyway. The idea wasn't that stupid, it worked, and after a short time I was happy about the small profit in absolute terms, sold the shares at DiBa despite the high fees at the time and simply forgot about shares for years - wealth accumulation, a word that wasn't in my vocabulary, the money I had was simply turned upside down as a young adult. Well, young me, just leave the shares lying around or, even better, take a closer look at them and carry on, it "might" have been worth it...

Of priorities and wrong horses

The years went by without any shares, but with lots of fast food and partying, but at least things have changed. At some point, I started to think about the future and wealth accumulation, first taking an interest in interest rates, and then the logical next step was dividends and shares. Unfortunately, it started rather haphazardly. As a student, I started investing small amounts, and of course betting on the wrong horses. Speculative lithium shares were particularly bad in this phase, unfortunately these were large sums even by my standards, from my grandfather's estate. That was bad. However, crypto was a very good horse, more precisely $BTC (-0,73 %) and $ETH (-0,76 %) which (as a computer scientist) I became interested in early on and exited several times with high profits, also thanks to domestic mining. It's just stupid that back then, in the last decade, I would never have imagined how cryptos would develop. If I had, I would have simply left it all, or at least part of it. You learn and you're always smarter afterwards anyway.

Fully invested - excessive, unhealthy, or simply good housekeeping?

So now I'm 32 - and proud of a portfolio that I think I've built up to a good size in a relatively short time. Which has given me other ideas for some time now. I'm still a long way from reaching my goal, but I have to get back on the "invest 100%" path, which has been completely contrary to my past for a long time now, and strangely enough, I'm finding it difficult to do so - something to reflect on. There are too many (supposed?) opportunities every day. So I simply could not $UNH (-0,67 %) after a long period of observation yesterday and of course the savings plans had to run today too. I think I've always been good at budgeting, or let's put it this way, at least good at getting by with the money available to me in a perfectly timed way, but "indulging", not just in company shares, may become a little more prominent again. I don't go without noticeably in everyday life, I need very little, which I don't think is a bad quality to begin with. But I have changed a lot in the area of "consumption" compared to the past. I think it would be good to find a healthy balance. In my opinion, just as you don't just live to work, but work to live, the same applies to saving/investing. I actually read a post here on gq today that described exactly that and I could relate to it very well. So, reflection and taking your foot off the gas is allowed - no, it's a must! I am familiar with frugalists, but I never wanted to be one. I'd be interested to know if anyone else here feels the same way, or did?

Wrong decisions, mistakes... and (hopefully) the right conclusions

Back to the topic! (Not only) on the way to today's portfolio I have made many wrong decisions, as already mentioned, so I thought that a well-kept portfolio roast could do me some good. Other, new opinions and assessments can't be bad!

In particular, in the past I have often missed the opportunity to simply let profits run their course and instead dragged losses around with me for too long (which brings us back to lithium). A thought that I recently had again when I was thinking about when it would make sense to $HIMS (+10,19 %) possibly realize, as an example. $PLTR (+1,12 %) and $NVDA (+0,21 %) are two examples that, like so many others, I naturally had on my radar, but they always seemed too expensive, the setback never came and I really missed the big rallies as a result. At the same time, I also get caught out by FOMO from time to time. So in both good and bad phases, I try not to just see red or green, fear or hope, but simply to evaluate what actually makes sense "from now on". Sometimes you realize a loss in order to try your luck elsewhere, sometimes you should let profits run, sometimes take them, sometimes endure the dip, sometimes be courageous and sometimes defensive. Easier said than done. I find it very nice and helpful to exchange ideas on this platform and how open and "yet" respectful it generally is. Of course, I will most likely never reach some portfolio sizes, but you can always learn something about how some people manage their portfolios, regardless of the absolute figures. You will always make mistakes, but at least you should deal with them correctly and draw the best possible conclusions.

Portfolio restructuring, planned investments / savings plans

And today? After some evaluation, research, regrouping and restructuring, I now have fewer, but still quite a few positions in different sectors, most of which are already of a decent and roughly balanced size. My medium-term plan is now to build up all positions to a certain target size. This is why I am currently running savings plans:

$MPWR (+1,45 %)

$AVGO (+1,6 %)

$ISRG (+1,26 %)

$DXCM (+0,81 %)

$DHR (-0,21 %)

$ALV (+0,16 %)

$9988 (-0,47 %)

$BRK.B (-0,62 %)

$APH (-0,68 %)

$MELI (+0,32 %)

$BLK (+0,46 %)

$RSG (-0,22 %)

$DGE (+0,47 %)

$VKTX (+5,16 %)

ETF/ETC:

$UBU7 (+0,29 %)

$EWG2 (-0,51 %)

Partly with small weekly amounts, until enough cash is available to fill the target position evenly. With $AVGO (+1,6 %) for example, there is not much left. Also $BRK.B (-0,62 %) / $APH (-0,68 %) and others are already approaching the target. In some cases with somewhat larger sums for still small but prioritized positions, until opportunities and/or resources for individual purchases arise, such as the $ALV (+0,16 %) and $RSG (-0,22 %) should be mentioned here, as well as $DGE (+0,47 %) as a turnaround candidate.

Once the aforementioned positions are full, I would like to turn my attention to the more defensive candidates that are already in the portfolio but which I am currently prioritizing - $MCD (-0,63 %) / $KO (-0,87 %) / $CCEP (-0,64 %) / $ULVR (-1,7 %) and others - and finally increase the ETF and gold share in the long term.

$VKTX (+5,16 %) is a bit of a gamble, as I have actually said goodbye to pharma - $ABBV (+0 %) / $NOVO B (-1,54 %) / $LLY (-0,27 %) and $MRK (-1,46 %) were still part of the inventory until recently. Instead, I decided to go with $DXCM (+0,81 %) / $ISRG (+1,26 %) / $DHR (-0,21 %) on medical technology.

$BTC (-0,73 %) remains a fixed value in the portfolio, while I $ETH (-0,76 %) (incorrectly entered due to staking - around 0.4 shares or €1000) and $XRP (-3,51 %) would/will sell at corresponding prices.

I still lack around €15,000 in individual stocks at current prices to bring all positions to the current desired/dream target. This will take some time, but is foreseeable. And then I would be really quite proud and happy "as things stand now"! In any case, I now feel very comfortable on the path I have chosen and, as I said, I have to stop myself from forgetting that not all money has to be invested all the time.

Savings rate

To put this into figures, I have averaged a savings rate of around €1500 over the last 24 months, with an average of €100 a month in dividends. 1400€ investment, that's about 82% of my monthly budget after deducting all "unavoidable" fixed costs including fuel and household, but not including consumption such as clothes, going out or vacations. Exaggerated, I can't say otherwise myself. But at least I have a good reason to step on the gas and get the compound interest going.

So what is all this for?

In the long term, my girlfriend and I dream of owning a property somewhere on the Croatian Adriatic, her homeland, and where I was able to spend many wonderful weeks with my parents every year as a child. A beautiful region that I consider an important part of my life, with many great moments and memories that may become even more. I hope to get closer to this goal "quickly" with the depot. The language is already halfway there! :)

In the long term, this would probably involve a little reallocation into value dividend payers, which should help with repayment. However, I would also like to lay the foundations for later distributions today, without neglecting growth. There is probably no perfect mix for this, but you are welcome to rate mine.

So, unfortunately I was once again unable to be brief. Thank you for reading, whoever has made it this far, and for your comments! I'm very excited and wish you all a great weekend.

Hello everyone,

I am currently in the process of reallocating my shares/ etfs.

The plan is a core-satellite portfolio

Core:

$VWCE (+0,43 %) 60%

Satelite:

$WSML (+0,92 %) 10%

$EIMI (+0,19 %) 10%

$BLK (+0,46 %) 5%

$BRK.B (-0,62 %) 5%

$BTC (-0,73 %) 5%

$EWG2 (-0,51 %) 5%

I am currently 20 years old and my savings rate is 250€ per week, so I don't want to focus on dividends yet.

If you have any suggestions or objections to the individual positions/position sizes, please let me know.

I have a question for you. So far I have only saved one $IWDA (+0,4 %) saved. However, I would now like to diversify this core more. In future, I would like to invest 65% in the $IWDA (+0,4 %) 20% in a $XMME (+0,19 %) 10% in $EXSA (+0,24 %) and 5% in $EWG2 (-0,51 %) into one. Should I now save the amount I have already saved with the new allocation from next month or should I divide the sums between the new ETFs until the allocation is correct?

The markets are still quite volatile. Although most of the markets are already rising again today, the only question is for how long. Nevertheless, I took the opportunity to buy a few more positions in order to lower the average entry value. After all, everything should be long-term :)

$JPM (+1,42 %)

$BMW (+0,16 %)
$FMG (+1,33 %)

$EWG2 (-0,51 %)

$3HCL (+7,39 %)

I still have a bit of cash on the side for the next few days to buy more. If necessary, I'll top up my savings plans for next week instead of buying at the beginning of the month. The MSCI and some EM markets. Folus on the USA and EU is too high for me at the moment.

I had described here https://getqu.in/wtMaho/ described an investment reserve that can generate an excess return with similar or lower volatility than the overall market.

Very abbreviated:

We hold 20% in cash bonds and gold and start buying in reset, parameterized with increasing leverage.

What has changed since the last post?

1. all US bonds and US dollar cash have been removed from the portfolio, the uncertainties surrounding the Mar-a-Lago Accord are simply too great in relation to the opportunity to take a few percentage points in currency gains.

2. as it was (rightly) pointed out that the strategy is somewhat fragmented, I decided to make a few small adjustments.

The inflation-linked government bonds have left the portfolio. On reflection, money market funds and long-dated bonds are completely sufficient to compensate for inflation. (thanks for the comment @SchlaubiSchlumpf )

The investment reserve therefore looks like this:

-------------------------------------------

EURO

30.0% Money Market $CSH2 (+0,03 %)

30.0% German Gov. Bonds 7+Y $X03G (+0,05 %)

-------------------------------------30%

Swiss Franc

20.0% Swiss Gov.Bonds 7-10Y $CH0440081393 (-0,18 %)

-------------------------------------20%

Swiss Gold

20.0% Gold $EWG2 (-0,51 %)

-------------------------------------20%

==========100%==========

3. on the way south, the portfolio has already been rebalanced twice.

In concrete terms, this means that bonds have been sold and the $VWCE (+0,43 %) bought so that the 80/20 ratio is maintained.

The $ACWI in USD broke through the threshold of 10% to its all-time high today, whereby the first still leveraged position was built up.

Purchased were:

2.5% MSCI World Ex USA $EXUS (+0,29 %)

1.0% MSCI USA 2x $CL2 (+0,87 %)

This means that the first 17.5% of our investment reserve is now invested.

The next purchase will be made when the $ACWI 20% away from the ATH, which would then be around $100.00

Hello everybody!

I have been thinking about putting my portfolio on a broader footing in the future and for this reason adding a certain percentage of #gold to the mix.

I currently live in #österreich and wanted to find a sensible approach in this way.

A brief search here in the forum has at least revealed that ECTs are fully taxed (in contrast to physical gold). Apart from that, I have not been able to find out much here.

How do my fellow austrian people handle their gold?

$EWG2 (-0,51 %) and live with the fact that it is taxed (here is the question of whether input tax is incurred or only the capital gains tax on the sale?)

OR

physical gold and if so where is the best place to buy it/what are good/reputable dealers?

Thank you very much for your answers and have a nice day! :)

Hi, I would like to diversify my portfolio and invest a little in gold. What do you think of

$EWG2 (-0,51 %) ? Where do you invest in gold?