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 (+0,14 %) , $XNAS (-0,01 %) , $WGLD (+1,79 %) and as an admixture some Bitcoin via ETP $IB1T (+1,05 %) .

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

My savings rates would be:

800€ $VWCE (+0,14 %)

375€ $XNAS (-0,01 %)

150€ $WGLD (+1,79 %)

0€ $IB1T (+1,05 %) - 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 (+0,1 %) , $TDIV (+0,07 %) ) 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 (+0,05 %) is built up here.

My savings rates would be

250€ $XEOD (+0,05 %)

200€ $VHYL (+0,1 %) - Start January 26

200€ $TDIV (+0,07 %) - Start January 26

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

My individual stocks:

Allianz $ALV (+0,67 %)

Munich Re $MUV2 (+0,55 %)

Procter & Gamble $PG (+0,07 %)

PepsiCo $PEP (-0,09 %)

Johnson & Johnson $JNJ (+0,15 %)

Novo Nordisk $NOVO B (+0,72 %)

Lime $LIN (+0,11 %)

ADP $ADP (+0,11 %)

Waste Management $WM (+0,16 %)

Siemens $SIE (+0,52 %)

Accenture $ACN (-0,21 %)

Alphabet $GOOGL (+0,05 %)

Itochu $8001 (+384,17 %)

visas $V (-0,06 %)

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 🥲

Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (+0,05 %) Call money ETF. Div. 1.9%

15% $TDIV (+0,07 %) VanEck Divi Leaders. Div 3.5%

10% $TRET (+0,06 %) Global Real Estate. Div. 3.7%

7,5% $VHYL (+0,1 %) Allworld High Div Yi. Div 3.1%

7,5% $PEH (-0,14 %) FTSE RAFI EM. Div 3.9%

5% $EWG2 (+0,92 %) Gold

5% $SEDY (+0,55 %) iShares EM Dividend. Div 8.0%

5% $JEGP (+0,19 %) JPM Global Equity Inc Div 7.1%

5% $EEI (+0,55 %) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (+0,05 %) High Yield Bond. Div 6.1%

5% $EXXW (+0,1 %) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (+0,05 %) Overnight ETF. Div 1.9%

12% $EQQQ (+0,02 %) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (+0,92 %) Gold

2% $O (+0,33 %) Realty Income 6.0%

2% $VICI (-0,79 %) Vici Properties 5.6%

2% $OHI (-0,12 %) Omega Healthcare 7.2%

2% $PLD (+0,12 %) Prologis 4.1%

2% $ALV (+0,67 %) Allianz 4.35%

2% $HNR1 (-0,3 %) Hannover Re 3.4%

2% $D05 (+0,97 %) DBS Group 5.5%

2% $ARCC (+0,23 %) Ares Capital 9.3

2% $6301 (+0,48 %) Komatsu. 4,2%

2% $1 (-1,4 %) CK Hutchison 4.6%

2% $AENA (-0,15 %) AENA. 4,2%

2% $LOG (+0,6 %) Logista 7.3%

1,5% $AIR (+0,83 %) Airbus 1.8%

1,5% $DHL (+0,45 %) DHL Group 4.8%

1,5% $8001 (+384,17 %) Itochu 2.8%

2% $RIO (+1,5 %) RioTinto plc 6.4%

2% $LIN (+0,11 %) Linde 1.3%

2% $ADN (-0,5 %) Acadian Timber 6.7%

3,5% $BATS (+0,05 %) BAT 7.0%

2% $KO (+0,18 %) Coca Cola 2.9

2% $HEN (+0,39 %) Henkel 3.0%

2% $KVUE (+0,38 %) Kenvue 4.1%

2% $ITX (+0,36 %) Inditex 3.6%

2% $MCD (+0,1 %) McDonalds 2.6%

2% $690D (-0,39 %) Haier Smart Home 5.6

3,5% $IBE (+0,71 %) Iberdrola. 4,1%

1,5% $AWK (+0,56 %) American Water Works 4.4%

1,5% $SHEL (+1,02 %) Shell 4.1%

1,5% $ENB (+0,68 %) Enbridge 6.5%

2% $DTE (+0,38 %) Deutsche Telekom 2.8%

2% $VZ (+0,17 %) Verizon 6.8%

2% $GSK (+1,49 %) GlaxoSmithKline 4.2

2% $AMGN (-0,19 %) Amgen 3.5%

2% $JNJ (+0,15 %) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?

After some wrangling, I've taken part of my nest egg away from call money and invested it directly in a bond ETF.

How do you handle this? $XEON (+0,03 %) or $XEOD (+0,05 %) or also $CSH (-0 %) you often read here. Real bond ETFs, on the other hand, almost never.

$XEOD (+0,05 %)

Hello everyone,

Since Scalable is now passing on the ECB's interest rates, I wonder whether the $XEOD (+0,05 %) still makes any sense at all for parked money.

I use this ETF to park reserves that I don't need to access immediately.

What do you think?

Should I leave my nest egg in BMW call money at 3% interest or go into $XEOD (+0,05 %) or similar?

#tagesgeld
#etf
#notgroschen

Sell a money market ETF at a loss in a high interest rate environment? Can I 🍌

Experience with $XEOD (+0,05 %) ? Does it work without any problems? I'm tired of hopping around for overnight money 😆

What do you think about parking your entire nest egg in the money market (e.g. $XEOD (+0,05 %) )?

Specifically, I don't feel like constantly transferring my nest egg and opening bank accounts.

Is there anyone who handles it this way or is everyone at TR anyway, dusting off the 4% while it still exists?

1 year stock market anniversary🎊

Presenting my portfolio today. I have been investing diligently for a year now. Started reading books at the beginning of last year, then started my own portfolio in April.

Briefly about me, 26 years young, married, 1 child (will be 1 next month), own home (just under 2 hectares of land in a small village, just under 300 square meters of living space)

Over the course of the year, I've worked out a strategy that I can sleep well with.

-10k in $XEOD (+0,05 %) as a substitute for daily allowance. (5 net salaries)

-The remaining 20k are divided as follows:

• 35% $VDEV (+0,2 %)
  
• 30% $IUSA (+0,02 %)
  
• 15% $GGRP (+0,16 %)
• 10% individual shares (should become a maximum of 10 shares over the years)
• 5% $EWG2 (+0,92 %)
  
• 5% $BTC (+0,05 %)
  

Savings plans are currently at 300€.

I am very happy with it and for the first year I have achieved a performance of just under 10% (the $XEOD (+0,05 %) is included). I'm happy with it, especially as the first year was more of a discovery phase for me.

I'm open to constructive criticism!

Hello dear GQ community,

I'm struggling a bit at the moment and would like to get your opinions.

About the portfolio:

- "No-Brainer" $VWCE (+0,14 %) as the main building block

- I like India and think there is great potential there

- Individual stocks have been added to the portfolio without a coherent plan - so currently more of a playground

Investment strategy and target:

Offensive strategy for maximum value growth as a retirement provision and at best for reducing weekly working hours.

I recently opened a larger position in $XEOD (+0,05 %) (see portfolio). I decided to make the move because I distrust the current economic situation (prices are rising and rising despite war, inflation,...) and I didn't dare to put the chunk into individual stocks or the $VWCE (+0,14 %) to pack.

What do you think? I would be very happy to hear any ideas or advice.

Greetings from your earworm

PS: Unfortunately, the dates in the portfolio are not complete, which is why everything starts from 11.2023...

Thanks finanzen.Zero at this point.