Hello dear people.
I have reallocated a bit of the $TDIV (+1,1 %) profit.
and utilized the lump sum to the extent that the dividends from the $TDIV (+1,1 %) use up the rest.
Kind regards
Carsten.

Postes
410Hello dear people.
I have reallocated a bit of the $TDIV (+1,1 %) profit.
and utilized the lump sum to the extent that the dividends from the $TDIV (+1,1 %) use up the rest.
Kind regards
Carsten.
Hello everyone,
It's hard to believe, but my journey on the stock market began in January 2021 - that means I'm celebrating my 5th anniversary! Behind me lies an extremely instructive time in which I (like so many others) have learned a lot. Today I would like to share my learnings and my new setup for 2026 with you.
1. my mistakes: the hunt for perfect timing
My history includes countless purchases and sales. My biggest mistake? I tried to time the market. Unfortunately, the result was classic: often getting in at the wrong time and - even worse - selling out of impatience or panic, only to watch the stock take off shortly afterwards. Unfortunately, the bottom line for me was that individual share trading was not successful.
2 The new portfolio: Focus & Structure
I made a radical change. Away from the hectic back-and-forth and towards a solid foundation.
My core now consists of buy-and-hold ETFs:
- $VWCE (-0,04 %) (Vanguard FTSE All-World)
- $TDIV (+1,1 %) (VanEck Developed Markets Dividend)
- $EIMI (-1,4 %) (iShares Emerging Markets IMI)
Supplements:
Cryptos: Continue to have a large weighting in BTC.
Precious metals: Just under 5-7% in gold and silver as an anchor.
Berkshire Hathaway: My only "single share" to reduce my remaining share loss pot of around €1,000 in a tax-efficient way.
Momentum strategy: I am fascinated by the model of @Epi. The first tranche is in place, another €4,000 is ready at Smartbroker+. As February and September are statistically often weaker months, I plan to use the next setback in February to make a further entry. A small portion may also be transferred to @Krush82 's Wikifolio.
3. psychology: the problem with loss aversion
Loss aversion is a term that has influenced me a lot in recent years. In psychology, this describes the tendency for us to perceive losses much more painfully than gains of the same size make us happy.
This is precisely my problem: although I know rationally that I am investing for the long term, sideways phases or red days have far too strong a mental impact on me. I look at my portfolio too often - even if I don't change anything - and let it spoil my mood. My goal for 2026: Less screen time, more trust in the process. Rationally, I don't care about the short-term noise, and I need to work on that.
4. my savings plan setup
To take out the emotions, I automate everything:
- Weekly: 300€ VWCE | 30€ TDIV | 20€ EIMI | 20€ BTC
- Every 2 months: 100€ gold | 75€ silver
I also treat myself to a small "gambling portfolio" (€4,000) for high-risk stocks. The motto here is clear: either a total loss in 5-10 years or the next tenbagger. This keeps the gambling instinct away from the main portfolio.
How do you deal with daily volatility?
Do you also have strategies to beat the "app addiction" in bad market phases?
I look forward to your feedback! 📈
Hello dear community,
I would like to hear your opinion on my portfolio. Criticism, suggestions or even positive feedback - everything is welcome.
I am planning to restructure my portfolio this year.
My aim is to further expand the core and to reduce or completely close some individual positions. Small remaining positions such as $HUT (-8,67 %) Hut 8 (up over 500 %, but only around 10 shares left) I would like to sell completely in the near future. I am also considering closing other individual stocks and reallocating the capital to the core.
Would you say sell the dividend stocks like $O (+1,61 %) , $KO (+3,01 %) and $MAIN (+0,13 %) etc. and invest in $MELI (-2,07 %) , $ISRG (+1,07 %) , $MA (+0,92 %) or e.g. $PANW (+1,24 %) which will most likely perform better over the next few years... ?!
But I would also be open to riskier stocks, so to speak high risk - high reward, which I am now also trying out with $AML (-0,83 %) for example. Bought on Friday... ☺️ (A "gamble")
Currently my core consists of $IWDA (-0,01 %) MSCI World, $EIMI (-1,4 %) MSCI EM IMI and the $TDIV (+1,1 %) VanEck ETF. With the VanEck, however, I am considering whether to keep it or switch to a $CSNDX (-0,36 %) Nasdaq 100 ETF instead - with a view to an investment horizon of around 10 years. During this period, I also plan to buy a house together with my wife. (at least that's the goal).
I also have a larger crypto portfolio, which is not deposited with GetQuin, as it is unfortunately not displayed correctly with Bitvavo here on the site. There is currently significantly more capital in crypto than in ETFs and shares. I entered the crypto market at the beginning of 2023 and had more than doubled my portfolio by the end of 2024: around €75,000 became around €175,000 at times.
However, I only realized a few profits and left the majority invested. In the meantime, the portfolio has shrunk considerably again as 2025 was really shitty for crypto (especially altcoins, of course) and is currently even in the red.
However, I assume that Bitcoin will perform better again this year and reach a new all-time high. If that happens, altcoins should also follow suit, so I hope to see decent gains there again.
Now to my questions for you:
Would you change anything about the ETF core?
$TDIV (+1,1 %) Keep it or rather switch to a Nasdaq-100 ETF? And get more return (boost)?
Which individual stocks would you rather keep and which would you rather sell?
I am 38 years old and my goal is to buy a house in the next 5-10 years.
Thank you very much and I look forward to hearing your opinions!
Greetings Chris
A brief look back:
I started investing 5 years ago (still 23 years young at the time).
At the time, I was still in the final stages of my dual studies when Corona suddenly hit.
My original plan to buy my own car was quickly changed to a loan-financed purchase.
The 17k that became available went public in April 2020. Looking back, there was probably no better time.
First learning:
The father of my current fiancée advised me to invest in 50% Msci World $IWDA (-0,01 %) and 50% Dax $DBXD (-0,04 %) to invest. This in the form of two ETFs.
Without any knowledge of the stock market, I went to my bank (Sparkasse) and told the advisor that I would like to invest in the two ETFs mentioned and open a custody account for them.
I was presented with two funds. Deka Champions and DWS Dax or something like that.
When I asked her that these were not ETFs but funds, she simply said that the benchmark was the same and that the nice saleswoman would also invest in the products mentioned.
So 10k was invested. The 3% and 4% issue and sales charges were thus paid.
Later, after I got to grips with the stock market, these were liquidated and I switched to Smart Broker for individual shares and Trade Republic for ETFs.
2nd learning what goes up can also go down:
One of my first stocks was $KO (+3,01 %) and $ALV (-0,22 %) the good $ETSY (-2,57 %) . EK was 53€ and about 1.5k was invested.
Etsy went up to 110€ and I made my first 50% partial sale ever. Etsy rose to 240€ and nothing was done on my part. Etsy sinks to 90€ and I got back in with the partial sale. Etsy was finally sold completely at 70€.
My first learning on individual stocks was followed by the second. FOMO:
Cannabis = Bevcanna Enterprise 1.5k invested 99% loss
Independent mining corp. = 1k invested sold with 60% loss.
Today I am very thankful that I only paid 2k in tuition fees. I seriously believe that it saved me from bigger losses in the following years.
3rd learning:
An investment in a pure ETF $VWRL (+0,09 %) from the beginning would have given me almost 15k more return by 2024.
I spent 2022 to 2024 reducing a difference of almost 20k, from mistakes made in 2020 and 2021, to my what if portfolio (ETF only). In 2025, however, I settled the amount for the first time to now plus minus zero through my portfolio outperformance.
4th learning:
In all this time, I have been studying the stock market in depth. I don't think I would have gone long with a pure ETF. All the non-fiction books, conferences, streams and videos have also given me a more comprehensive understanding of world events beyond the stock market. I have also made a noticeable change on the subject of money. And no, I don't turn over every penny. My savings ratio is 50% consumption / vacation and 50% retirement provision.
My latest learning:
Being debt free at 29 and having 100k gives you peace of mind. You shouldn't live your 20s in complete consumption, but you shouldn't oversleep either. My trips around the world to Asia, Central America, Europe and Africa, some with friends, some with family, have brought me more than just money.
But everyone is different. I am happy to have taken the middle path.
I have now increased my initial savings rate of €400 per month to €840. However, the €800 for vacations and consumption are just as important to me.
Thoughts on my current portfolio:
Trade Republic:
About the ETFs $IWDA (-0,01 %)
$EIMI (-1,4 %) and $XSX6 (-0,04 %) I don't have to say anything. This is my core investment.
$SGBS (-8,17 %) and $GDXJ (-13,12 %) are my way of diversifying with gold. When I added gold to my savings plan on December 31, 2024, both positions almost automatically reached the 5% weighting.
What is new $VNA (-1,13 %) . I selected these at the end of 2025 together with $O (+1,61 %) for my 10% weighting in the real estate sector. For me, Vonovia is wrongly valued too much as an interest rate bet. Fundamentally, there is a lot right with the exception of the debt. I hope for a nice turnaround and even if not just under 6% dividends are very attractive.
As my individual stocks have performed very strongly, my allocation has become unbalanced. The goal is 50% ETFs, gold, real estate, cash and 50% individual stocks.
I won't say anything about my individual shares so as not to prolong the article too much.
Except:
$ALV (-0,22 %)
$BATS (+1,79 %)
$SHEL (+0,01 %)
$GOOGL (+0,9 %) are long-term stocks
$AAPL (+0,68 %)
$BABA (-1,51 %)
$1211 (-1,03 %)
$EUZ (-0,62 %)
$AXON (-4,17 %) medium-term
$OXY (+0,63 %)
$ARM (-1,93 %)
$UNH (-0,86 %) short term bets
and unfortunately I can't get the tracking 100% correct. Getquin crashed in March, which is why only Trade Republic is displayed as the previous value and Smart Broker as the capital invested in March / April.
In addition, due to the change of custody account Sparkasse -> Smart Broker -> Smart Broker plus -> Trade Republic (Etfs sorted out) I had no power to enter everything since 2020
Happy New Year, everyone! Peter Griffin here. 🍺
New year, new luck for my portfolio. My strategy for my core ETF holding is: 90% MSCI World and 10% Emerging Markets IMI.
But when I looked in at the start of the year... damn! My emerging markets allocation was far too low and far away from 10%. The portfolio had lost ground!
So I traded directly on January 5 to get everything back on track:
👉 12x $EIMI (-1,4 %) - here I added a lot more.
👉 1x $IWDA (-0,01 %) - just a small position.
With this purchase I have increased my rebalancing and am back to my clean 90/10 allocation.
Now the whole thing looks "freakin' sweet" again.
How are you starting 2026?
Here's to a green 2026! Hehehe.
If you don't know what it's all about, here's a VERY brief summary:
Strategies that keep money in reserve for setbacks usually don't beat the market, but they lower the volatility of the portfolio and give the illusion of control in difficult times, so you can do something meaningful instead of just passively watching.
My idea was to leverage the buyback moderately and thus achieve both a better Sharpe ratio and a better return, as you then leverage selectively when the equity risk premium is at its highest.
If you want to know exactly, please read parts 1 AND 2, as the model has changed somewhat:
Part 1
Part 2
2025 was a wild year, but the strategy worked well.
Our portfolio consisting of 80% FTSE-All World $VWCE (-0,04 %) and 20% bonds, gold and money market outperformed the market 100% equities $VWCE (-0,04 %) and with less maximum drawdown.
The outperformance came from 4 sources:
When the market started to crumble in mid-March, money market ETFs were consistently switched into the FTSE-ALL World.
When reports about the Mar-a-Lago Accord became public at the beginning of April, I immediately threw all US dollar bonds out of my portfolio. As I only want to be invested in AAA bonds, which are considered safe. Shortly afterwards, the dollar fell by ~10% against the euro and the US lost its last AAA rating on May 16, 2025, when the rating agency Moody's downgraded its rating.
In the April crash (Liberation Day), we reduced the bond ratio from 20 to 17 and cut 1% $CL2 (+0,09 %) as well as 2% $EXUS (-0,78 %) bought. In hindsight, it is a pity that the crash in April did not go 1.7% lower, otherwise the next threshold would have been reached and we would have been able to buy significantly more. The $CL2 (+0,09 %) was sold at the end of October with a return of 50.3%, the unleveraged $EXUS (-0,78 %) is currently still in the portfolio, but will be sold as soon as the equity ratio reaches 82%.
Gold performed excellently throughout the year and was rebalanced.
What will change in 2026?
First things first.
Amundi has solved one of the biggest problems to date.
Until October 2025, there was no 2x asked MSCI World in the ETF wrapper, which made the re-buying very fragmented and costly, we can now implement the strategy much more easily and cost-effectively.
During my backtest and other research, I came across the following:
(it's free, but you have to sign up, which you should, as the site and especially the weekly newsletter are HAMMER!!!)
Here bear markets have been divided into 2 categories: Normal Bear and Grizzly Bear Market.
My best friend 🤗 Gemini ♥️fasst briefly summarizes what this means:
1. the "normal" bear (Normal Bear)
2. the "grizzly" (grizzly bear market)
Thank you Gemini, please kill me and my family last. 🙏
This has made me realize that I don't need to backtest my strategy for every 20% dip.
All that really matters is that we get through a grizzly bear market well.
And that's in the ACWI and not the S&P500, which should make things easier.
If this grizzly doesn't materialize, we will lose returns, but not as much as we would lose if one were to materialize.
That's why the strategy has become much more humble and conservative.
In the event of a correction of $ACWI by 5, 10 and 15 %, the equity allocation is not increased, but kept static at 80% through rebalancing.
At -20% we buy 4% $LVWC (-0,62 %) and 2% $EIMI (-1,4 %)
(equity allocation including leverage ~90%)
At -30% we buy 5% $LVWC (-0,62 %) 1,5% $EIMI (-1,4 %)
(equity exposure including leverage ~100%)
At -40% we buy 7.5% $LVWC (-0,62 %)
(equity exposure including leverage ~125%)
But I can also live in a world where my portfolio never falls by 40%. 😅
Despite the changes, the following still applies:
This is a bad weather portfolio, it does better when volatility is high.
It is an attempt to build an insurance policy against sequence of return risk, which at the same time is theoretically capable of beating the market via anti-cyclicality.
The name of the strategy is still expandable... any suggestions? 😘

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.
Smaller side bets were added later.
I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (-1,46 %) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (-6,39 %) ,$1SXP (+0,07 %) 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
The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (-0,39 %) 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
Dividend strategy with 115.24 euros per month
Side bets with 81 euros per month
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
Thanks to the inspiration from @Epi and a few months of reflection, I have built up my individual momentum all-world strategy and would like to refine it further for 2026 over the next few weeks.
Start allocation as of 11.07.2025:
50% ACWI $SPP1 (-0,77 %)
15% Europe$SMEA (-0,01 %)
10% SPYTIPS-Cool S&P500x2 $DBPG (+0 %)
10% EM $EIMI (-1,4 %)
10% Gold 2x $LBUL (-16,72 %)
5% Bitcoin $BITC (+0,33 %)
Cash Management
Cash investment: $XEON (+0,02 %)
Basically, I check my positions at the end of the month (30/31/1) using the SMA or SPYTIPPSCooldown (Discord, thanks @SemiGrowth).
50% SPDR MSCI All Country World UCITS ETF EUR Hdg Acc (currency-hedged) $SPP1 (-0,77 %)
Currency hedging rule:
Action: Switch to $NTSG (-0,29 %)
15% iShares Core MSCI Europe UCITS ETF $SMEA (-0,01 %)
10% SPYTIPS-Cool = S&P 500 2x Leveraged $DBPG (+0 %)
Buy conditions (all must be met):
Sell conditions (one is enough):
Waiting period: 15 days after sale before new buy test Review15 days after purchase, then daily
10% iShares Core MSCI EM IMI UCITS ETF $EIMI (-1,4 %)
10% Gold 2x Leveraged $LBUL (-16,72 %)
5% CoinShares Physical Bitcoin ETP $BITC (+0,33 %)
Cash Management
Cash investment: $XEON (+0,02 %)
Sounds like a bit of effort at first, in fact I currently need max. 10 minutes a month for the audit itself.
Bitcoin left here at the beginning of December. I am currently invested in the rest. Due to the fact that silver (as a momentum commodity) convinced me in conjunction with @Multibagger (thank you), I added two shares on 23.10.25 and a further two shares on 22.12.25
WisdomTree Silver 3x Daily Leveraged $3LSI (-46,24 %) were added to my portfolio. The purchase was FOMO, yes of course, emotion, yes too. I'm being completely honest with you here. However, I am more interested in finding a solution for implementing certain assets in my strategy in a certain percentage (up to max. 5%) depending on momentum and risk. (A rotational modification of the 3xGTAA)
For silver $3LSI (-46,24 %) I currently follow the following trading principle:
@Epi
@Multibagger
@Tenbagger2024 and of course all others too!
(1.) For silver (3x) I would like your advice on which stop/limit or which trailing stop might be a good fit.
(2.) Gold (2x) currently stands at +62.66% for approx. 40% of my profits. Now the question arises for me: Is a simple monthly check still sufficient in my momentum strategy or should I use an additional stop/limit/trailing stop to limit the downside in addition to rebalancing?
(3.) I can invest the same amount of money in the portfolio again today, i.e. double the investment amount. How would you proceed here? Invest the full amount directly and carry out the rebalancing?
(4.) With the 50% SPDR MSCI All Country World UCITS ETF EUR Hdg Acc (currency-hedged) $SPP1 (-0,77 %) I am currently considering whether the Amundi MSCI World (2x) Leveraged UCITS ETF Acc $LVWC (-0,62 %) might be a (better) fit for this strategy. I am aware of the increase in risk and a tightening of the rules for this position would be necessary. Due to the tendency for the USD to weaken next year as well, I am torn as to which makes more sense.
Adjustments for 2026 that are currently on my plan:
Finally: The portfolio itself stands at +17.38% from 11.07.25 to 31.12.2025.
Getquin gives me the following additional parameters:
Internal rate of return: 37.05
True time-weighted rate of return: 16.54 %
PS: THANK YOU ALL for your active participation! And a happy new year!
Hello everyone,
after almost 1 1/2 years as a silent partner on gq, I have decided to have my portfolio taken apart 😋
A few words about me and then about my portfolio.
I am 31 years old, live with my girlfriend and our 4-month-old son in the heart of Bavaria in our small home.
My girlfriend and I both work as employees in an automobile company. (She is currently on parental leave, of course)
About my portfolio.
I started my investment career with physical precious metals and shortly afterwards with cryptos.
When it came to cryptos, I got carried away by friends, I didn't know my way around them back then (I probably wouldn't take such a risk today). Fortunately, this turned out to be a good thing in hindsight.
A good three years ago, I added the first of what are now three portfolios with different strategies.
Depot (presumably for retirement)
$IWDA (-0,01 %) / $MEUD (-0,08 %) / $CSPX (+0,44 %) / $EXS1 (-0,02 %) / $EIMI (-1,4 %) / $WSML (-0,4 %)
2.dividend deposit (for cash flow as a reward on the joint account)
$HMWO (+0,13 %) / $ISPA (-0,3 %) / $TDIV (+1,1 %) / $VFEM (-1,51 %)
3.JuniorDepot
$VHYG (+0,34 %) / $VWRL (+0,09 %) as an accumulator.
Both ETFs are being saved in because the grandparents are financing one of them and I would like to keep them separate and not open an extra custody account.
All custody accounts are saved monthly.
So much for me and my portolio.
I would be very happy to receive any criticism, suggestions for improvement or similar and wish everyone happy holidays ✌🏻
I have now decided to restructure my portfolio in the coming days. It will then consist of these stocks.
Core:
1) the MSCI World $IWDA (-0,01 %)
2) the MSCI EM IMI $EIMI (-1,4 %)
3) the VanEck Morningstar $TDIV (+1,1 %)
4) Bitcoin $BTC (-0,15 %)
Satellites:
1) Microsoft $MSFT (-0,41 %)
2) Amazon $AMZN (+0,15 %)
3) Nvidia $NVDA (+0,21 %)
4) MasterCard $MA (+0,92 %)
5) Adobe $ADBE (+1,66 %)
6) Ferrari $RACE (-0,43 %)
7) Novo Nordisk $NOVO B (+0,66 %)
8) Realty Income $O (+1,61 %)
9) Wolters Kluwer $WKL (-0,67 %)
10) Brown & Brown $BRO (+0,6 %)
11) Inditex $ITX (+0,59 %)
12) Uber $UBER (-0,98 %)
13) Main Street Capital $MAIN (+0,13 %)
14) Vici $VICI (+0,68 %)
15) PayPal $PYPL (+0,11 %)
In addition to my core of the 3 ETFs and Bitcoin, I think this mix of growth & dividend-focused stocks is really good. What do you guys think about this long term portfolio? Should be held for a long time, 20+ years... I don't think much of the short term. Of course, profits are taken from time to time, but nothing is sold completely and in the event of corrections we buy more! 🤑🔥🙏
I look forward to your suggestions / criticism.
Wishing you a Merry Christmas 🌲☺️

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