Hello everyone,

What do you think of this portfolio?

Are there any improvements? Do you have any suggestions?

Thank you

$VWRL (+0,85 %)

$WSML (+0,97 %)

$SAP (+2,23 %)

$NOVO B (-0,09 %)

$V (+3,3 %)
$DDOG (+0,62 %)

Salvete, investors!

My name is Automatix - the name says it all.

Like my namesake from the Gallic village, I prefer to focus on craftsmanship, substance and consistency rather than magic potions or short-term success.

I'm 37 (turning 38 this year) and have only been actively investing in the capital market since the end of 2024 - a pretty bumpy journey so far

But my goal has now become clear to me:

long-term wealth accumulation with a focus on dividends.

I am aware that it is ambitious - perhaps even unrealistic - to live entirely from dividends one day.

But it is precisely this idea that drives me, not my promise.

Professionally, I have been working full-time for a large German tech company for 15 years.

Here I have worked my way up from the very bottom - call center supporter to key account manager to my current position as senior project manager - so structured work, long-term thinking and risk assessment are part of my everyday life.

At the same time, I run a family farm as a sideline

• approx. 80% horse boarding (yes, I also ride 🏇)
• approx. 20 % forestry business

This combination of technology, project work and real economic substance also characterizes my investment approach.

Before I became intensively involved with shares, my first major investments were in real assets:

• two apartments (already paid off & rented out)
• a plot of land (financed by rental income) on which one or two apartment buildings are to be built for rent in the future

For me, shares are therefore not a substitute, but a supplement to existing tangible assets.

I invest at least €750 per month, usually more, and focus on:

• 🌍 global ETFs $VWRL (+0,85 %) & $TDIV (+0,48 %) as a stable foundation
• 🏗️ Individual stocks, deliberately selected, with a focus on Germany & Europe

For individual stocks, I prefer healthy, growing companies.

I prefer dividend growth to high initial yields without substance.

The core of my portfolio will be $SIE (+1,87 %) supplemented by stocks such as

$ALV (+1,87 %) , $DTE (+2,12 %) , $SAP (+2,23 %) , $MUV2 (+0,43 %) and $DB1 (+0,23 %) .

Each position is built up gradually - first €500, then €1,000, and significantly more in the long term.

No more hectic reallocations, no more chasing - just buy and hold!

I was a silent reader here for a long time, but would like to share my thoughts, decisions and learnings in the future - objectively & long-term (if there is interest)

No trading, no noise -

but patience, discipline and a stable anvil 🛠️

I am looking forward to your feedback - constructive criticism is always welcome.

Here's to a good exchange!

#newpost
#firststep
#vorstellung

$VWRL (+0,85 %) should play a big part in your portfolio.

Not because it is "exciting," but precisely because it is boring.

Global diversification, low costs and long-term focus.

I think I've fallen into a bias. I haven't been running any ETF savings plans for a few months now because I'm waiting for a fall so that I can buy a bit more at once.

Specifically, I'm only talking about the three large ETFs in my portfolio: $VWRL (+0,85 %)
$VUSA (+1,07 %)
$HMWO (+0,98 %)

(I do save the theme and sector ETF at the moment and buy individual stocks).

I assume that my approach is not expedient in the long term, as prices could often be higher than they are today, for example, even after a sharp fall in prices. What do you think? What percentage of my savings quota should I pump into these three ETFs? Add ETFs? Which ones? Why?

This was my last savings plan execution for$HMWO (+0,98 %) and $HMEF (+0,14 %) (not in the picture). The two positions together have reached the size of my $VWRL (+0,85 %)-position and are therefore full.

In February, the first savings plan execution of $XDWL (+1,1 %) and $XEMD (+0,16 %). This will then take place once a month instead of twice a month.

The two smaller savings plans on $WHCS (+1 %) and $WITS (+1,04 %) will continue to run, but will also be changed from 2x per month to 1x per month (amount remains identical).

Why I am using several All World ETF / World + EM. Combinations, you can read here:

https://getqu.in/5DvtL7/

$GDXJ (-1,57 %) is up 118% for me. I built up a 2.5% weighted position from 01.01.25 to 01.06.25, which now stands at 4%. $SGBS (-5,7 %) my "gold share" is 7.5% instead of the targeted 5%.

I will probably have to rebalance it this year.

Now my questions

1) Let everything run for now? Everything is currently more than good on the chart. Then only rebalance at the end of the year.

2) Then consider at least increasing my ETC position, which will also be tax-free, to 5%. This would mean that 5% would actually be gold and the etf would be a lever, which could then be regarded more as a share/etf.

3) trim back to 2.5% gold ETC and 2.5% ETF and the rest in $VWRL (+0,85 %) or $IWDA (+1,07 %)

Does it make sense $VUAG (+1,06 %) and $VWRL (+0,85 %) to have them together? I realize that the S&P is less diversified and has more of a US focus and it depends on the individual investor profile.

I would just be interested to know if others have both in their portfolio and how you weight the two.

I don't think American investment banks necessarily have to earn money with our money. Europeans can also do a decent job with an ETF.

That's why I exchanged my core today, which I was still able to do well as it had only existed for a few months anyway. So from a tax point of view, it's within manageable limits.

Vanguards $VWRL (+0,85 %) flew out and Amundis $WEBG (+0,89 %) came in almost 1:1 instead.

Maybe that's a suggestion for all those who are currently reorienting themselves or starting over anyway?