Today I topped up my portfolio 2.0 with a new ETF. Who has this $VHYL (+0,61 %) in your portfolio?

I have now also managed to update my good old tables and complete the year 2025. Small depot turbo at the end of the year and the first week 26 was already great again.

I would say that everything is still going in the right direction. What is striking is that dividends now make up a really big slice of the cake. My US dividends have overtaken the CHF dividends. In a total of 26 years on the stock market, around €100k gross has been added in dividends alone 🤓

I already stopped my savings plan at the end of 25 $SPY (+0,79 %) and for the time being am only saving in selected US individual stocks and the $VHYL (+0,61 %) . Currently running

$V (-0,96 %)
$UPS (+1,39 %)
$EIX (+2,41 %)
$AXP (-1,62 %)
$CMCSA (+0,74 %)

in savings plans. Individual purchases depending on the situation, currently e.g.

$KHC (+0,2 %)
$GIS (+1,55 %)
$PG (+0,27 %)
$MO (+3,41 %)
$VZ (-0,33 %)

New in the Swiss portfolio is $BCHN (+0,08 %)
$VZN (+1,07 %) and $SIKA (+0,68 %) in it. $NESN (+1,28 %) I will probably buy more in the short term.

The euro portfolio currently remains as it is, the euros are invested in ETFs.

$XD5E (+0,93 %)
$VAPX (+0,91 %)
$VFEM (+0,24 %)

I will try to increase my cash holdings again. The target for 26 has also been set, to increase total assets to 820Tsd. That would be another +16%, which is exactly my average for the last 21 years.

So here's to another one, keep going!

Hi everyone,

Do any of you have ETFs from Vanguard and have noticed that the distributions have been postponed again? My $VWRL (+0,64 %) , $VHYL (+0,61 %) and $VUSA (+0,64 %) Distributions again came in the new month and not at the end of the old month. Also not on 2.1.26, so one could assume that there was a delay in clearing. But only tonight at Scalable and I'm still waiting for it at Consors.

How is it with you?

VG

Hello everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (+0,68 %)
• Emerging markets, $EIMI (+0,83 %)
• AI and big data, $XAIX (+0,81 %)

Smaller side bets were added later.

• Armaments, $DFEN (+1,95 %)
• uranium, $U3O8 (+3,09 %)
• batteries, $BATG (+1,39 %)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (+1,07 %) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (+0 %) ,$1SXP (+1,11 %) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (+0,21 %)
• $VHYL (+0,61 %)
• $ZPRG (-0,05 %)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0,37 %) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (+0,59 %) , 34 percent
• $IEEM (+0,57 %) , 26 percent
• $XAIX (+0,81 %) , 13 percent
• $EXSH (+0,3 %) , 26 percent

Side bets with 81 euros per month

• $DFEN (+1,95 %) , 62 percent
• $BATG (+1,39 %) , 10 percent
• $QYLE (+0,37 %) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

Hello dear community,

This is my first post on Getquin. Nobody knows me, nobody knows my portfolio or my background. Therefore, here is a short introduction of me.

Who am I?

I am Malte, 23 years old, work full-time in a medium-sized company, have a Bachelor's degree in Industrial Engineering and am currently doing my Master's in Applied Data Science.

How long have I been on the stock market?

I started investing in 2022, but made a lot of mistakes right at the beginning. Derivatives, knock-outs, holding individual stocks far too short, etc. In total, I lost around 3000 euros as a result.

What has changed?

When I received a full salary for the first time (April 2024), I woke up. I read the biography of Warren Buffet, the book "The Richest Man in Babylon" and other books and realized that there is no such thing as quick riches.

At that time, a lot of things changed in my family, so I had to move out of my home on October 1, 2024. Everything I had managed to save by then went on the move and furnishings, and hardly anything was invested. The money that was left was in the call money account. The result: 2 years on the stock market, 3000 euros loss. Ouch

What happened next?

I closed the portfolio and opened a new one with Scalable to start from scratch. The first step was to set up a savings plan on the $VWRL (+0,64 %) was created. This has been running continuously since then with 200 euros every month. I had had enough of individual shares for the time being. Another 250 euros went into the call money account every month. I can't put any more money aside at the moment, as the tuition fees of 500 euros per month are really restricting me.

On April 1, I received a tax refund from the tax office, which I paid 1:1 into the deposit. I was able to use the money to buy 12 $GOOGL (+1,18 %) at 154 euros. The investment was intended to be long-term and I opted for Alphabet purely because of the extremely high cash flow. The slump in the share price due to the Trump tariffs came in handy.

I also decided on 01.08.25 to jump on the bandwagon. $BTC (-0,11 %) to jump on the bandwagon. However, as I'm not good at dealing with high volatility and therefore don't want to make individual purchases, I've set up a savings plan that invests 25 euros a week in Bitcoin. This way I hope to build something up in the long term.

My strategy for the future:

Growth:

I enjoy trading individual stocks and would like to add a maximum of 10 individual stocks to my portfolio in the long term. I will buy these when the money is available and I have found a sensible investment (as with $GOOGL (+1,18 %) the financial situation of the company is decisive for me, not hype or anything else). In return, an additional 100 euros will be transferred to the custody account as cash every month from 01.01.2026 and 300 euros every month from 01.10.2026.

The savings plan on $BTC (-0,11 %) will also remain. I have no plans to increase the amount here. I'll treat the money as if it wasn't there. If the BTC price reaches 1,000,000 euros at some point, I'll be happy; if not, it won't be too painful a loss.

Foundation:

The $VWRL (+0,64 %) remains as the foundation. The savings rate will be increased to EUR 500 every month after completion of the Master's degree on 01.10.2026.

Pension:

I have decided to do something specifically for my pension. To this end, from 01.01.2026 I will invest 100 euros every month in the $VHYL (+0,61 %) invest. The savings sum will be increased by 50 euros every 5 years. In a conservative scenario, this will give me a gross annual dividend of 33,000 euros by the time I retire, which I think is quite nice.

Conclusion:

I hope that I can build something up in the long term. I might be able to significantly increase my savings rate by increasing my salary after my Master's degree, but we'll see.

Don't forget the one $MCD (-0,42 %) share in the portfolio, that was pretty much my first share and I can't really part with it hahaha.

My goal for the end of 2026 is to have 10,000 euros in my portfolio.

I'll keep you up to date.

I would be delighted to hear a lively exchange in the comments!

Dear Community,

At the end of the year, I would like to share my portfolio and my strategy with you.

I am 38 years old, have been in the stock market since 2024 and am aiming for financial freedom at the age of 58. Time will tell whether that will work out... 😉 I'm not investing to maximize my profits, but to be able to live a relaxed life in the long term. To this end, I have deliberately separated my investments into two portfolios with a clear purpose.

Portfolio 1 - Growth (ING)

$VWCE (+0,69 %) , $XNAS (+1,02 %) , $WGLD (+0,73 %) and as an admixture some Bitcoin via ETP $IB1T (-1,51 %) .

This portfolio is saved monthly until 58 and then remains more or less untouched.

My savings rates would be:

800€ $VWCE (+0,69 %)

375€ $XNAS (+1,02 %)

150€ $WGLD (+0,73 %)

0€ $IB1T (-1,51 %) - Position is currently at 10% and should rest for the time being

Portfolio 2 - Cash flow (SC)

Here I am investing via 2 dividend ETFs ($VHYL (+0,61 %) , $TDIV (-0,05 %) ) and selected quality stocks to build up a steadily growing cash flow. All distributions are reinvested equally in the ETFs. Furthermore, a small cushion is built up here via $XEOD (-0 %) is built up here.

My savings rates would be

250€ $XEOD (-0 %)

200€ $VHYL (+0,61 %) - Start January 26

200€ $TDIV (-0,05 %) - Start January 26

425€ Individual assets (as required, no savings plan, no obligation)

My individual stocks:

Allianz $ALV (-2,03 %)

Munich Re $MUV2 (-1,55 %)

Procter & Gamble $PG (+0,27 %)

PepsiCo $PEP (+0,77 %)

Johnson & Johnson $JNJ (-0,6 %)

Novo Nordisk $NOVO B (+3,32 %)

Lime $LIN (+0,79 %)

ADP $ADP (+0,14 %)

Waste Management $WM (+1,61 %)

Siemens $SIE (+0,96 %)

Accenture $ACN (-0,24 %)

Alphabet $GOOGL (+1,18 %)

Itochu $8001 (+2,26 %)

visas $V (-0,96 %)

No speculation, no trading. For most people here, extremely boring... 😴 But hopefully the selection will bring some stability to the portfolio in turbulent times. 😉

For the time being, we will stick with these stocks and gradually buy more when good opportunities arise. Each individual position will of course be capped later and should make up between 2-3% of the portfolio (including the proportion within the ETFs). Alphabet would be an exception.

The reallocation idea

Nothing is invested from 58. The plan is to reallocate around 5 % annually from custody account 1 to custody account 2. In this way, growth is gradually converted into cash flow - without significant erosion of assets. And in the best-case scenario, my growth portfolio can continue to grow. I consciously accept taxes 😉

Thank you for reading and have a successful 2026.

P.S. My allocation doesn't fit yet because I've been focusing more on my individual stocks in recent weeks. Chart is also not meaningful because of ING Autosync and Itochu split 🥲

Hi, I've already told you about my savings plan strategy in the last few days, but I've now adapted it a bit after devouring some interesting books on the subject of savings plans and ETFs over the past few days.

My plan is now as follows: I will invest 122 euros per week in the following components via weekly savings plans (due to the cost-average effect):

$SDIP (+1,5 %) with EUR 5

$CSCO (+0,28 %) with 5 EUR

$NOVO B (+3,32 %) with 10 EUR

$ALV (-2,03 %) with 10 EUR

$SAP (+2,62 %) with 10 EUR

$TDIV (-0,05 %) with 12 EUR

$ESE (+0,71 %) with 15 EUR

$VHYL (+0,61 %) with 25 EUR

$VWRL (+0,64 %) with 30 EUR

This is a mixture of distributing and accumulating dividends, most of which will be reinvested (as planned). I did a bit of math (assuming that I don't increase the savings flow, i.e. thinking defensively) and calculated the worst case (i.e. only the savings installments without reinvesting the dividends paid out) and the best case (on the basis). This then resulted in an additional pension (tax-adjusted according to current assumptions) of between 300 and 700 euros when you retire... It's your own fault if you start late with something like this, but otherwise it's better than nothing.

In addition, there will probably be increases in the savings plan over the years (through salary increases and the like) as well as one-off investment injections through, for example, tax refunds on income tax or other "special payments" that are not integrated into the monthly income, so that the path here is probably a little over the 700 euros... Oh yes, the income is now the pure dividends that come from retirement - no sales proceeds are included.

Personally, I'm quite happy with this as a basis on which to build... Together with the Riester pension, company pension and possibly the state pension (if it still exists in 17 years' time), this should hopefully be enough to survive :-)

Hello Community,

I hope you all had a nice Christmas Eve! I have a quick question: I would like to sell my $VHYL (+0,61 %) completely and put everything into the $TDIV (-0,05 %) put everything into the I know, back and forth empties my pocket, but when I compare the performance, I think it's a good move 👍 I currently hold 1699.0698 shares $VHYL (+0,61 %) I think with Scalable you can only sell whole shares, should I just let the 0.698 continue to run?

Question 2: With such a "large" sum (€117,400), are there any things I need to consider? The ETF has made a profit of approx. 6k! There shouldn't be any tax problems as everything runs via Scalable!

Thanks in advance for your answers!

Wish you all happy holidays 🎄