👋 Introduction & background

Hey everyone!

I'm 33, married and dad to two small children (18 months and 2 months old). I've been working in the automotive industry since 2011 and in management consulting since 2019. ⚙️🚗💼

My wife is an engineer and also works in the automotive industry. 👩‍🔧🚗

I've been with getquin since 2022, but so far I've been reading along rather than actively posting. 👀

My wife is currently on parental leave and receives parental allowance. I will go on parental leave in Q2 2026 (also with parental allowance), then she will start working again. This means that only one of us will receive a full salary until the end of 2026 - but we'll still be sticking to our savings and investment quota. 👶💶

💰 Current status:

A good mid-six-figure amount has already been saved in our custody accounts. 📈

👶 Children & investments

For each child, we invested €10,000 in the Vanguard FTSE All World ($VWRL) (+0,15%) invested. In addition, each child receives €150 per month in the same ETF - via junior custody accounts at ING. 📊

💍 My wife's investments

She invests monthly:

- 🌎 500 € in the MSCI World ($XDWL) (+0,05%)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (+0,51%)

📈 My investment strategy

Long-term, diversified and with a focus on cash flow & wealth accumulation.

🔹Core portfolio (ETF & Bitcoin)

900 € flow in monthly:

- 💵 €500 in SPDR S&P 500 ($SPY5) (-0,22%)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (+0,54%)

- ₿ 200 € in Bitcoin ($BTC) (+0,42%)

🔹 Individual share savings plans (€25/ €600 each)

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (-1,84%) , $UNP (+1,71%), $RACE (-0,74%) , $MRK (-0,26%) , $MUV2 (-0,31%) , $DGE (+0,24%) , $DE (+0,11%) , $TXN (-0,99%) , $AWR (+0,33%) , $ADP (-0,02%) , $PLD (+0,58%) , $HEN (+0,2%) , $ITW (-0,61%) , $UNH (+1,57%) , $LLY (+2,04%) , $BEI (-0,01%) , $MCD (-0,16%) , $DTE (-0,22%) , $WMT (+0,16%) , $COST (-0,53%) , $WM (+1,03%) , $JPM (+0,56%) , $BLK (+0,33%) , $SY1 (+0,4%)

🔹 Cash reserve

💰 Set aside at least €1,000 every month to be able to strike flexibly when opportunities arise.

🏘️ Real estate strategy

We live in our own home and own a rental apartment that pays for itself. ✅

Further real estate purchases are planned. 🏡📈

🎯 Target (15-20 years)

Financial freedom - with the option of part-time or complete independence from employment. Focus on more time for family, projects and quality of life. ✨

How do you structure your portfolios? What is your strategy and what are your long-term goals?

I look forward to the exchange!

I am still relatively new to the subject and find $MRK (-0,26%) really interesting.

What do you think of the share?

$NOVO B (+1,06%)
$NVO (+1,4%)
$UNH (+1,57%)
$MRK (-0,26%)
$JNJ (+1,53%)
$XDWH (+0,93%)
$PFE (+0,52%)
$LLY (+2,04%)

I am curious to see how the European stock markets will react today, but with the RSI extremely oversold and I could well imagine a bounce at 300 Danish kroner.

Is anyone here trying their luck as a trader and is so tired of life with leverage? 😂

@Multibagger put another one on top ? Do you have a good certificate for that ?

The 17 largest pharmaceutical companies were written to and given a deadline of September 29 to lower their prices, otherwise Trump himself will come by. 😈

The S&P500 pharma sector was the weakest sector today with -2.2 %.

$AZN (+2,18%)

$BMY (-0,97%)

$LLY (+2,04%)

$PFE (+0,52%)

$ABT (+0,81%)

$JNJ (+1,53%)

$NOVO B (+1,06%)

$UNH (+1,57%)

$MRK (-0,26%)

$SAN (+1,88%)

$WHCS (+0,91%)

https://www.statnews.com/2025/07/31/trump-most-favored-nations-drug-pricing-lower-pharmaceutical-prices/