Hey, my VL contract with the $EXXT (-2,43 %) I've been saving for 2 years is up 4.7 %.

Let's hope for the next 4 years.

2020 started with tr to gain first experience on the financial markets with manageable funds. 600€

many shares with very small amounts...

naaaja...

With $9626 (-2,03 %) and $9866 (-5 %) had large short-term gains in the portfolio during Corona. But just as quickly accumulated losses again due to overpriced speculative assets.

2024 strategy Switch to etf savings plan and diversification of countries and sectors as well as $BTC (+1,53 %) admixture.

long-term investment idea:

Energy sector should be a safe bet, as global consumption is increasing annually, not decreasing.

then generally modern technologies

ETF

$ISAC (-1,77 %) - Main position 50%

$EXXT (-2,43 %) - usa technology boost distributing 30%

$EXSH (-1,16 %) - Europe hedge (finance and insurance) distributing 20%

I will continue to buy or sell shares from time to time, depending on whether it is worthwhile or not.

Now you...

Any suggestions?

Good evening to the community!

I would like to add one or two ETFs to my portfolio. The focus this time is on the distributing variant, as I already have the $VWCE (-1,36 %) in my portfolio.

I currently have my eye on three ETFs:

• $FGEQ (-1,34 %)
• 
  $TDIV (-0,49 %)
• and for a possible "boost" the $EXXT (-2,43 %)

However, my portfolio is already quite tech-heavy, so I'm not sure whether it's really worth adding the $EXXT (-2,43 %) to save. 🧐

Hence my question to you:

Which of the two ETFs - $FGEQ (-1,34 %) or $TDIV (-0,49 %) - would you rather include in your portfolio and why?

What are the differences between the two?

And: Is it worth saving in both?

Perhaps some of you experienced investors can help me out here 🙏🏽

@Max095
@Hotte1909
@Tenbagger2024
@Dividendenopi
@Aktienhauptmeister

have a nice evening 😬

Hello dear community, I bought 2 shares on 7.07.2024 at a price of $MC (-1,32 %) at a price of 706 per share and am therefore in the red. I am currently considering selling in the red and switching to the $EXXT (-2,43 %) as I am up 14% with this one since 11.10.2024. So this one is doing better.

I look forward to your advice

Sold the individual position directly before the Microsoft $MSFT (-2,31 %) sold the individual position, as I don't see any above-average profit from Microsoft in the long term. I am now also considering Apple $AAPL (-2,05 %) and $NVDA (-2,73 %) as soon as they get close to their 52W highs again (which may take a while for the latter) and put the whole thing into a distributing NASDAQ 100 ETF. $EXXT (-2,43 %) in a distributing NASDAQ 100 ETF. Only $GOOGL (-2,37 %) is the only one I would like to keep, because I really do expect a lot of further development there and the product portfolio is the most broadly diversified.

What is your long-term experience with individual tech stocks compared to the NASDAQ? Do the Big 7 beat the broadly diversified index in the long term? Does it always depend on the current situation (in which, in my opinion, the really big ones in particular are overvalued)?

Many warn of a second Trump presidency. Here is the performance since his first election victory in November 2016 🗳🇺🇸🦅📈

+9,600% Bitcoin

+309% Nasdaq 100

+174% S&P 500

+135% Dow Jones

+125% Gold

+117% MSCI World

+88% DAX

+88% Silver

+65% Euro Stoxx 50

+55% Euro Stoxx 600

+32% MSCI Emerging Markets

#trump
$CSNDX (-2,49 %)
$EXXT (-2,43 %)
$QYLE (-1,46 %)
$LYY7 (-2,53 %)
$BTC (+1,53 %)
$ABX
$GOLD (+1,04 %)
#crypto
#krypto
#usa
$MSTR (-5,77 %)
$COIN (-7,08 %)
$NVDA (-2,73 %)
$MSFT (-2,31 %)

Hi getquin community :)

I'm currently trying to decide on a relatively simple approach that should give me good exposure to growth stocks, while at the same time getting a decent amount of dividends for psychological reasons as I want to motivate myself. In the future I may avoid individual stocks, but for now the stocks I've chosen are there to give me more exposure to the energy and real estate sectors and more dividends.

My portfolio goal is:

$CSPX (-2,04 %) - 25%

$TDIV (-0,49 %) - 25%

$EXXT (-2,43 %) - 25%

$SDHY (-0,27 %) - 5%

$O (+1,3 %) - 10%

$VAR (+0,9 %) 5%

$HAUTO (-2,64 %) - 5%

Ideas/feedback are very welcome!

Edit: translated into German (please forgive any mistakes) and simplified my post as it was too confusing.

Spring is in full swing, my tomato plants are flowering and soon there will be delicious "yields". Time for a look back at May.

➡️ Shares

With an incredible +148% $AVGO (-3,28 %) in my portfolio. The model student is not only the performance winner, but also the heavyweight in terms of portfolio volume among the individual shares. The share has long since cracked the €1,300 mark in terms of volume and is continuing its journey. I am not letting this horse out of the stable á la Beate Sander. I could well imagine that a split is imminent here, after the $NVDA (-2,73 %) recently completed. Otherwise there is hardly any news, the performance of the good stocks continues to rise and the negative performance of my flop stocks is steadily improving. Thus $DHR (-3,98 %) only at -24% instead of -30%. That's how it has to be. You can just feel a moderate wave lifting the boats. In favor of the ETFs, I will leave the comments on the stocks short this time.

➡️ ETFs

With this review, I'm going to take a closer look at my ETFs. I originally started with a 50/30/20 strategy on the MSCI World, EM and Europe, which I later supplemented with an Immo and Small Cap ETF. So the MSCI World with the MSCI EM ETF formed the core portfolio and the other ETFs were small satellites around it.

As these were almost all accumulators at the time and I quickly realized that I could build up additional income by saving in distributing ETFs, I quickly said goodbye to the accumulators. I also moved my ETF custody account to a neobroker. This is where I now manage my large ETF portfolio, which will form the absolute basis of my retirement provision. So if the dividends are not enough, or if I have to sell the portfolio and a sale is unavoidable, then the shares will be sold off piece by piece first and the ETFs will only be touched later. This portfolio contains the $VWRL (-1,51 %) , $VHYL (-1,28 %) , $VUSA (-1,92 %) , $ISPA (-0,78 %) , $IMEU (-0,79 %) and $IWDP (-1,27 %) . The current portfolio content consisting of an All World ETF and geographic and/or thematic shear points around it does further justice to the core-satellite concept. All these ETFs are saved monthly and all pay out dividends.

My first old portfolio naturally still contains residual holdings. These have been converted into distributing ones where appropriate and are shown in detail in the $EXXT (-2,43 %) , $ZPRG (-0,87 %) , $ISPA (-0,78 %) , $SPYW (-1,09 %) , $SPYD (-0,52 %) . The portfolio volume is in the four-digit range. The $ZPRG (-0,87 %) is saved. Further cashback flows into one-off savings plans, which replenish one of the other positions. The core task of this portfolio is to generate cash flow, so share price growth is less important to me. I am currently reinvesting the distributions. I could also imagine diverting this as a boost to my nest egg, as a kind of "inflation compensation". It's good that you can set up savings plans and standing orders at the click of a mouse these days, which gives me the flexibility that I base this portfolio on.

My second old custody account used to be the main custody account for the shares, which have long since been with a neobroker and are saved there. I bought two new ETFs here in May, which I also save a small amount of money in each month. They are the $FGEQ (-1,34 %) and $TDIV (-0,49 %) . Here I have the same idea as above. Simply generate cash flow that is reinvested but can be used in other ways if necessary, e.g. to contribute to my fixed cost lump sum.

I can certainly simplify my ETF portfolios considerably and close the old portfolios completely. But I don't want to and won't do that. It's a great feeling when money rains down from the sky every month on all banks/brokers. I want to retain the flexibility of multiple brokers so that I can react quickly if a broker cancels my contract (for whatever reason). In addition, operating this infrastructure does not cost me any fees.

➡️ Distributions

I received 21 distributions on 10 payout days in May. This time, the German values also fell $SAP (-2,78 %) and $DHL (-2,99 %) to book. May was strong in terms of dividends and was almost on a par with June last year. With the past month, I am already well above the dividend that I expect on average according to my planning.

Outlook: According to my forecast thanks to GQ, June 2024 will eclipse everything by far. Depending on the distributions in the fall, I may be able to increase the size of my planned dividend reinvestment. That puts me in a good mood!

➡️ Cashback

I found a few returnable bottles and cans along the way while hiking and on the way home. Especially on men's day. Without me actively looking for them. The deposit was taken away these days. I may invest the proceeds once again in $SOL (+0,89 %) invest it again.

I haven't redeemed any Payback points this month, but I have been busy collecting them.

➡️ P2P loans

With the exception of Bondora Go&Grow, the interest and redemption stream has now dried up on all platforms. EstateGuru also abruptly introduced a new price list at the end of the month, to the detriment of us investors of course. I didn't like this and it only confirms my intention to exit this asset class. There will be news here next month.

➡️ Crypto

It's a case of wait and see. There is no other way to describe the situation. A look at the $BTC (+1,53 %) -price shows the sideways movement and resistance at USD 71K. We must remain patient.

➡️ Outlook

The tax refund is on its way and will be invested. Part of it will even be donated. You'll find out what next month. I might also introduce you to a great project that is definitely worth donating to.

Hello everyone,

I would like to hear your opinion on my portfolio. I am 37 years old and married. I have an apartment in Munich with my wife. My monthly savings plans are €640 each for the three ETFs ( $IWDA, $EXXT (-2,43 %) , $VYM (-1,25 %) ).

I'm thinking of clearing out smaller positions and low performers like $BAYN (-0,99 %) , $FRE (-1,58 %) and $INRG (-1,1 %) out. Would I rather use the money to add to good performers or reduce the price of possible turnarounds ($NKE, $SBUX (-4,54 %) )? I look forward to your opinions.

Would you still get the $EXXT (-2,43 %) as a savings plan if you already had the $VWRL (-1,51 %) savings plan?