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🛠️ Strategy update: Core satellite instead of just big tech!

Hey guys, quick update on my depot! 👋

I've recently analyzed the year 2025, in which my portfolio didn't perform particularly well. On the one hand, it was certainly due to the weakness of the dollar and the weakness of Bitcoin, but I still want to change my strategy. To be honest: I had to admit to myself that it is damn hard to only with big tech alone. For real outperformance, you need a more stable foundation.

In the past, I had the same problem again and again.

I actually wanted to have a relaxed approach to savings plans, but when it came to individual stocks - especially big tech - my head often got in the way.

The problem: the market timing trap

Every time the savings plan on Apple, Microsoft & Co. came up, I hesitated. "Is it too expensive right now?", "Would I rather wait for the next dip?". The end of the story: the savings plans were often paused or not even started because I wanted to "time" the market. This not only cost me nerves, but probably also a return in the end.

The solution: a core that simply runs 🌍

That's over now. I'm building myself a solid All World ETF core (30-40%) which is saved into stubbornly via a savings plan - regardless of where the price is at the moment.

- The advantage: The ETF is my anchor. There is no such thing as "too expensive" here, only time on the market counts. That takes all the mental pressure out.

- Focus on the essentials: If the foundation grows on its own through the automatic savings plans, I can concentrate much more relaxed on the analysis of my individual bets.

Apple reduction & selective boost

In line with this, I have reduced my Apple position. 🍎 I see more of a solid market return here in the near future, but no more blatant alpha. My capital (and my focus) should work where there is more music in it:

- Microsoft, Amazon, NVIDIA, Meta: This is where I remain fully invested. Thanks to cloud and AI, I simply see significantly more boost potential for outperformance here.

- Bitcoin: Remains in the portfolio as my wild card to give it the necessary spice for the extra return.

@Hotte1909 is already very inspiring here.

$AAPL (-0,55 %)
$NVDA (-1,03 %)
$META (-1,12 %)
$AMZN (-1,56 %)
$MSFT (-0,71 %)
$BTC (-2,23 %)

7 Commentaires

Patrick Schäfer@Hotte1909

I started sorting out Apple 2 years ago and more or less completely reorganized my portfolio. At the moment, just under 60-70% is in "safe" stocks under other $VWRL and $TDIV which make up just under 35%-40% of the total portfolio. The rest is in relatively boring stocks like $COST, $MCD, $GS etc. I don't need to worry much about that. In fact, I can't remember the last time I read an annual report from $MCD.
The other 30-40% or so are in growth stocks. The biggest bet is of course $RKLB, I would never have thought that the development would be so rapid. But $NU, $KSB and also $GFT and $SBMO are also developing magnificently, which of course is currently causing my portfolio to explode. Especially this year. My total growth is now already just under 100k (price growth+realized profits, I'll leave out the €300 dividend) I have already secured some profits in the last 2 weeks. For comparison, in the whole of 2024 I have just under 200k realized gains/price growth incl. dividends. The problem is that I currently have no companies on my watchlist or where I have finished my analysis. Positions in development are also nir $OSIS and $L whereby the latter is also full for the time being. I first have to go looking for pearls again. As long as I can, I am collecting my cash at $XEON.
A little fun fact: the mag 7 only make up about 5% of my portfolio, but almost 4% of that is already in $AMZN and $GOOGL

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SathosiRuffy@SathosiRuffy

@Hotte1909 Thanks for the detailed answer! Did you get $VWRL this big via a savings plan, or via a few individual purchases?

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Patrick Schäfer@Hotte1909

@SathosiRuffy reallocated via individual purchases or profits, i.e. something went in from time to time

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Alex@nitroxx

I've also put Ftse, Msci and Tdiv on my list for 2026 to expand as a core, but the changeover is really difficult. Reducing stocks that have done well almost hurts more than selling at a loss 🙈

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Daffy@Daffy

Well, in the end, you haven't really added any "outperforming" candidates to your ETF. Most of your individual stocks represent the largest positions of any global ETF. You're basically just overweighting the same already overweight stocks. If you don't plan to diversify or specify by sector or country, you might as well put everything into the ETF. Your strategy doesn't quite make sense to me. Good luck and success anyway! =)

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SathosiRuffy@SathosiRuffy

@Daffy My positions are not yet closed. Irish is one candidate, Bitcoin is another - wait and see what follows ;)

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MrMister@MrMister

My core currently consists of Ishares Edge MSCI World Value Etf $IWVU and the Vaneck Morningstar Dividend Leaders $TDIV. I also add Euro Stoxx Banks Etf, Uranium/ Nuclear Etf, Siemens, Itochu and gold. Am thus

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