Now that I've closed the books for this year, it's time to draw a conclusion for this year and compare the goals I set myself.

Goals 2025:

Target:

Deposits of €20,000

Deposit value: € 140,000

Dividends p.a.: 3.000€

Add 1 yield driver

Travel to 3 new countries

Actual:

Deposits of € 29,000 ✅

Portfolio value 23.12.2025: €147,500 ✅

Dividends: €2,250 ❌

Add 1 return driver: ❌

Travel to 3 new countries: ✅

Despite moving to Zurich, the relocation costs and my wedding and honeymoon, I was able to invest €29,000 from Q2 2025 and thus achieve my goal.

My portfolio value also reached just under €150,000 and I was able to reach my target of €140,000, although my $VWRL (+0,18 %) the weak dollar is causing a lot of trouble.

Despite the expansion of the $TDIV (+0,39 %) I was unable to crack the €3,000 dividend this year, which is why I am adopting the target for 2026.

I was also unable to add 1 yield driver because I currently lack the conviction to invest in one. This is also planned for 2026 and I am open to suggestions and ideas.

Despite the savings rate, I was able to travel to Sri Lanka, Namibia and Albania this year, which is why my annual target of 3 new countries was met.

All in all, a good year for me, in which I remained true to my strategy. In the new year, the portfolio is set to grow by 1 more position.

The new destinations will be published in a separate post in January.

Until then, have a great Christmas with the whole family and I hope you were able to achieve your goals as well. 🎅🏼🎄

My goal for this year was to reach a portfolio value of €40,000. I more than met that goal. In January, my portfolio was still at €14,000. This year I deliberately deposited a lot and worked hard. Step by step, the amount continued to grow. This eventually resulted in a portfolio value of €50,000. The fact that I was able to achieve this at around age 22 makes it extra special. Secretly I am quite proud of this. On to more highlights!

(For the sourpusses among us, the % on getquin of 3% total profit/loss is not correct, this is +-10%. Still not shockingly much of course, but the honest story 🙂 ).

$BTC (-0,27 %)
$VWRL (+0,18 %)
$TDIV (+0,39 %)
$JEGP (+0,16 %)
$JEPQ (+0,29 %)
$VUSA (+0,17 %)

The last savings plan for the year 2025 just went out and FTSE All World shares were bought for €2000.

A total of €4000 was invested this month.

This closes the books for this year.

The sixth week of the Community Project has begun. And this short period of time has $RKLB (+0,39 %) has been enough to $IREN (-0,34 %) now worth twice as much. As a reminder: All values of the project started with approximately the same investment amount of €500.

The five values you selected have developed very differently to date. More precisely as follows:

• $RKLB (+0,39 %)
  +37,11% 📈
• $PNG (+2,15 %)
  +8,14% 📈
• $HIMS (-0,64 %)
  -12,05% 📉
• $SOFI (-0,99 %)
  -16,71% 📉
• $IREN (-0,34 %)
  -29,23% 📉

The biggest jump was recorded by $RKLB (+0,39 %) which was still at +10.88% a week and a half ago and thus 26,23% has made good 🚀

The current beta value is currently at 2,10

The beta score was 2.07 at the last update and shows that the volatility of the portfolio has increased slightly.

As a reminder, the average market (such as the $VWRL (+0,18 %) or the $IWDA (+0,22 %)) have a beta score of 1.0. If the market moves in one direction, the portfolio currently moves a good 2.1x as much on average.

Due to the high volatility, the stocks are no longer represented at 20% each, but as follows:

Rocket Lab: 28,41%

Kraken Robotics: 22,40%

Hims & Hers: 17,63%

SoFi Technologies: 17,38%

Irish: 14,18%

The high volatility can also be illustrated in the following chart, which relates to the last one and a half weeks:

The return on the portfolio is currently negative and stands at -2,33%📉, at the last update it was still at -4,71% 📉

The yield reached its lowest point on 21.11. at -19,67% 📉

Have a great weekend!

@risk_taker Here's your update, as requested 😁

$VWRL (+0,18 %) 700€

$EIMI (-0,07 %) 120€

$MEUD (+0,26 %) 100 €

What does your basic/coreinvestment look like?

The year is not quite over yet and a lot can still happen 😁

As I probably won't have time for this in the near future, here is my portfolio review for 2025.

🥳 The overall performance was +9.4%, which I am quite satisfied with.

The reference value of the equity portion of my B&H target allocation is $VWRL (+0,18 %) which stands at +4.4% YTD (EUR basis of course).

I tried Gemini to break down the exact sector performance of my portfolio, which might be interesting for you as well:

Sector / Portfolio share / YTD performance

Bitcoin / 27,08 % / 📉-17,70 %

Metals & precious metals / 18,42 % / 📈+60,28 %

cash / 15.60 % / 📈~2% (overnight money not included in performance)

Big Tech - Chips - AI /11,89 % / 📈+25,51 %

Armaments / 8,80% / 📈+21,23 %

Core ETFs / 8,59 % / 📈+5,16 %

Energy (oil & gas) / 7,46 % / 📉-6,61 %

Others / 2,17 % / 📈+4,53 %

Metals and mines were the clear outperformers, while energy in particular $BTC (-0,27 %) and my energy bet, left a lot to be desired this year.

I was able to invest a lot this year, but also held a fairly high cash ratio, which of course also depressed performance accordingly.

For 2026, I will continue to overweight armaments, commodities and energy.

In the event of setbacks, I will also continue to $VWRL (+0,18 %) core in particular.

I wish you all well! ❤️

Meal time community,

The year is coming to an end and we still have around €250 in tax-free investment income which I would like to transfer from $WLD (+0,28 %) (which I no longer save and will liquidate in the medium term to fully utilize capital gains) into $VWRL (+0,18 %) in the medium term.

The following questions arise for me:

• At ING (or in general) the FiFo principle applies, right?
• So I will look in the statements when I had the first share, how much it cost me and take the difference to the sales price -30% tax exemption for ETFs, right?
• Since I am hoping for a small Santarally, is it best to sell on the last trading day --> 30.12.2025 after 15:30 in order to have the smallest spread? The reallocation then takes place with savings plan execution on 02.01.2026.

Am I missing something? (especially with the trading days)?

Looking forward to answers and stay healthy :)

Hey everyone,

Over the past few cycles, I have wandered the infinite halls of the markets like a young adept. I tried out spells, played with risky formulas, let myself be seduced by flickering course lights - and paid the price that every apprentice pays at some point. But every spark of loss became a sliver of knowledge.

One night, when the markets were asleep and only the stars were watching over my portfolio, I recognized a truth that floated before me like a golden crystal:

All of my individual stocks had long been in the big FTSE All World ETF
$VWRL (+0,18 %) hidden like tiny sparks in a huge starry nebula.

And so the purge began.

I dissolved old positions, untangled the chaos and a new core formed from the fog:

FTSE All World ETF
$VWRL (+0,18 %) and Realty Income
$O (-1,37 %) the eternal fountain of dividends.

My goal is as clear as a glowing rune:

A steadily growing stream of passive income - a river of golden drops that never runs dry.

That's why I now invest on a weekly basis:

💫 25 € in Realty Income
$O (-1,37 %)

💫 5 € in the FTSE All World ETF $VWRL (+0,18 %)

If the dividends from Realty Income $O (-1,37 %) pulsate strongly enough together with the interest from Trade Republic, I increase the FTSE savings plan $VWRL (+0,18 %) to 25 € per week.

Then, when the balance of the regions calls, another crystal enters the circle:

the iShares MSCI Europe ETF $IMEU (+0,29 %) (distributing) - with hopefully also 25 € per week.

That would complete the brokerage chapter.

The runes are set.

The circle closed.

Then I turn to my dormant Bitcoin savings plan $BTC (-0,27 %) - my only crypto crystal waiting in the shadows - and the interest artifacts working their own silent magic.

How the journey continues remains to be seen.

A dividend sage does not follow the noise of the markets, but the whisper of the stars.