Hello, I am currently considering changing my portfolio and switching to a core-satellite strategy.

My main part should be the $SPPW (-0,07%) with approx. 45%. After that, dividend stocks will follow: $NOVO B (+2,36%) with 10%, $O (-0,1%) with 5%, $MO (+0,36%) with 5%, $MAIN (+0,75%) 5% and $PG (-0,15%) at 10%.

The growth values should consist of $NVDA (-0,14%) , $AAPL (-0,02%) , $2330 and $ASML (-1,39%) with 5% each.

Would you sign this or would you change something?

Table with values for an easier overview:

MSCI World SPDR - 45%

Novo Nordisk - 10%

Realty Income - 5%

Altria - 5%

Main Street Capital - 5%

Procter & Gamble - 10%

Nvidia - 5%

Apple - 5%

TSMC - 5%

ASML - 5%

Changes I have made so far:

Reduce Novo nordisk and procter & gamble to 5% r and add 5% gold and btc each.

Dear Getquiner

Today I bought my first Procter & Gamble shares.

So from now on I will only be using Head & Shoulders 😜.

Who has $PG (-0,15%) also in the portfolio?

I don't feel like stopping accumulating this defensive dividend kiiiiiiing, when the company reaches 100 years of consecutive dividend increases I'll still be holding them.

In my opinion, $PG (-0,15%)
it's one of the most solid companies for those following a long-term dividend strategy.

For investors in their 20s, it makes perfect sense to start early, buy and hold.

✅ I took profits today from Amazon $AMZN (-0,39%) , Microsoft $MSFT (+0,14%) and NVIDIA $NVDA (-0,14%) realized.

📥 This money was directly reinvested to strengthen dividend and future stocks.

💸 Newly invested (one-off purchases today):

• Take-Two Interactive $TTWO (-0,12%) - (future play with GTA 6)
• Shell $SHEL (+1,06%) - (energy + dividend)
• BYD $1211 (-0,36%) - (growth China/E-mobility)
• Procter & Gamble $PG (-0,15%) - (stable dividend, consumer goods)
• Allianz $ALV (-0,23%) - (high dividend, defensive)
• McDonald's $MCD (+0,17%) - (dividend aristocrat + consumer)

📆 Savings plans from August (monthly):

• Johnson & Johnson $JNJ (+0,51%)
• 
  Realty Income $O (-0,1%)
• 
  FTSE All-World High Dividend Yield ETF $VHYL (+0,16%)
• 
  S&P Global Dividend Aristocrats ETF $ZPRG (+0,32%) (one-off)

➡️ Goal: More passive income through dividends & better balance in the portfolio between tech and defensive stocks.

🧠 Long-term oriented, with a clear focus on quality, stability & growth.

What do you think?

$HEIA (-0,11%)
$EL (-1,15%)
$NUE (+0,31%)
$CDNS (+1,11%)
$WM (+0,44%)
$MSFT (+0,14%)
$V (+0,47%)
$OR (-1,54%)
$AZN (+0,14%)
$MRK (+2,34%)
$PG (-0,15%)
$SBUX (-0,65%)
$BCS (+0,29%)
$META (-0,56%)
$BABA (-0,78%)
$QCOM (-0,11%)
$AIR (+1,1%)
$HSBC (+1,35%)
$GSK (-0,16%)
$MBG (+0,3%)
$F (-0,91%)
$AAPL (-0,02%)
$AMZN (-0,39%)
$MA (+0,31%)
$7203 (-0,11%)
$SHEL (+1,06%)
$005930
$SNY (+0%)
$CMCSA (+1,02%)
$COIN (-0,94%)
$NET (+0,17%)
$XOM (+1,01%)
$CVX (+1,89%)
$CS (-0,14%)
$NTDOY (+2,56%)
$CL (+0,45%)
$DTG (-1,96%)
$UNH (+1,74%)

Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

• My savings rate is therefore only €300 a month
• 100€ goes into a call money account as a reserve
• 200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

• 60€ $XDWD (-0,02%) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+0,13%) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (-0,11%) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
• 20€ $SAEU (-0,18%) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

• 10€ $LIN (-0,02%) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
• 10€ $PG (-0,15%) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (-3,18%) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (-0,1%) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (-0,14%) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
• 10€ $NKE (+0,25%) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
• 10€ $WM (+0,44%) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (+0,25%) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

• $SHEL (+1,06%) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (-0,38%) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (+0,94%) I am convinced of the company, I think that Nu will have a successful future.
• $O (-0,1%) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (-0,06%)
$SOL (-0,01%)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

I took advantage of the weaker dollar to strengthen my position in Procter & Gamble, one of the most stable and consistent companies in my portfolio. As well as lowering my average purchase priceI continue to accumulate shares in the company.

🔹 Why keep reinforcing PG?

✅ Dividend King - 68 consecutive years of dividend increases. Impeccable track record.

✅ Share buybacks - Reduces the number of shares in circulation, increasing shareholder returns.

✅ Ultra-defensive company - Everyday products that maintain demand even in difficult times.

✅ Unbeatable brand portfolio - Ariel, Gillette, Pampers, Oral-B, Fairy, etc.

✅ Buy and never sell - It's one of those companies to always accumulate.

📈 Reinforcement in line with my strategy: solid, predictable companies with dividend growth and sustainable returns.

I would prefer to sell everything and put it into say 3-5 ETFs, but due to a mixture of different feelings I can't take this step. At least not overnight. Today I was able to part with the following positions (a big step for me, a small step for my portfolio).

$COST (-2,09%) -3% may not have been the best time to sell, but I'm no longer convinced in the long term, or rather it doesn't fit my investment idea

$PG (-0,15%) -8% stinks of opportunity cost. It may be that there is a good entry point for a solid dividend stock at the moment, but I would rather continue to build up the broadly diversified ETF.

$ROL (-0,38%) -4% ditch or not, we won't see the big fast percentages here.

$RMS (-2,21%) +25% I would not buy again today at the current price and find the valuation excessively high.

Reallocated to $VWRL (+0,01%) 🥱 and $EQQQ (+0,07%) 😎

(Thanks to a mini crash from 17:00, I also got a lot of shares)