... but plays a role alongside the larger positions of $HMWO (+0,44%) and $TDIV (+0,38%) simply no longer plays a meaningful role in my portfolio.

I will probably add to it next week after the ex-day $WINC (-0,05%) after the ex-day.

Good morning everyone,

I am planning to restructure and reorganize my ETF. I had thought about the following allocation. The plan is a one-off investment of €20,000-€25,000 and then monthly savings plans. The whole thing will be divided into percentages.

30% $VWRL (+0,5%) FTSE All-World

25% $HMEF (+0,52%) MSCI EM

20% $EXSA (+0,15%) Europe 600

15% $VHYL (+0,38%) All-World High Div

10% $WAT (+0,29%) MSCI Water (Themes ETF)

Does the community have any tips or suggestions for improvement?

Kind regards

Hello everyone,

I'm back as a silent reader with my portfolio.

Briefly about me: I am 26 years old, employed as an IT specialist in the public sector, live in rented accommodation and my investment horizon is at least another 20 years.

My strategy: I am building a core-satellite portfolio. The ETFs form the core: $IWRD (+0,44%), $EIMI (+0,45%), $EXSA (+0,15%) and as a soon-to-be new addition $WSML (+0,33%) . These are listed alongside $BTC (-0,07%) (lie with $EWG2 (+0%) with Bison) in the savings plan. Then there are individual stocks whose business model, sector and geographical location appeal to me.

With this strategy, I am trying to find a healthy balance between the rational assessment of not being able to beat the market and having fun on the stock market.

The allocation is still somewhat skewed, but the goal is:

• 60% core (ETFs)
• 30% individual stocks
• 10% BTC/gold

As future satellite positions I still have $D05 (+0,49%) (to also have a single stock in the banking sector) and $TBS (-0,7%) (because I see opportunities in the South African food market). I will open these positions as soon as I have straightened out the current allocation.

My questions: What do you think of my approach or my desired allocation? Do you have any suggestions for other good individual stocks, especially from the BRICS regions?

Otherwise, happy investing.

Hello.

And the post below is still valid.

Always take it easy-> come on

Payday does not automatically mean that you will receive the dividend in the morning.

The processes can simply take different lengths of time.

And with that, happy vacations from the cote d'azur 🤪 I'm lying in the sun again because ING has already automatically reinvested my dividend from $EXSA (+0,15%) has already been automatically invested again.

#wobleibtdiedividende

Hi dear community!

Briefly about myself, I am relatively new to the world of investing... I have been with Trade Republic since last May and now save 4 Etf's per month and have some single stocks like $PEP (+0,37%) , $O (+2,52%) , $MAIN (+1,17%) , $NVDA (-0,35%) etc. which should generate additional cash flow for me.

However, I've been in the crypto world since 2023 and have invested most of my money there, but in the next few months everything will be liquidated, bull run and the parabolic rises will hopefully come soon.

Unfortunately, I currently only have €400 to invest each month.

The ETFs are invested as follows:

iShares MSCI World 200€ (accumulating)

iShares MSCI EM IMI 75€ (accumulating)

iShares Automation & Robotics 50€ (Accumulating)

VanEck Developed Markets Div Lead (newly added a few days ago) 75€

Considering adding more ETFs in the future!

I am very fond of the $JEPQ (-0,41%) and I would also like to invest even more in a Stoxx Europe ETF. But I'm still unsure whether I should go for the Europe 50 or the Europe 600 $EXSA (+0,15%) and whether distributing or accumulating would be the better choice!

If I liquidate my crypto portfolio, I will have a 6-digit sum to reinvest. Above all, Bitcoin will then be heavily invested again at the end of 2026 (most likely the low point of the next bear market)!

I'm looking forward to your answers and your current and future advice.

Thanks and best regards

Chris

My own milestone (tl:dr)

The starting point and the burning dream of the million

It wasn't just a number on a screen; it was a promise. The promise of freedom, of decisions that were not dictated by a paycheck, of the possibility of realizing dreams that went beyond everyday life. My goal? The 1 million euros in my deposit. A sum that seemed almost unattainable when I first immersed myself in the fascinating world of investing. But I couldn't let go of the thought. What if it was actually possible? What if, with discipline and the right strategy, I could achieve this seemingly utopian goal?

The fascination began to creep in. I heard about breathtaking returns and stories about people who became rich overnight by making smart decisions. The stock market, a place full of secrets and opportunities. My starting position was solid, an initial foundation stone had been laid, but I lacked a clear roadmap. I was at the beginning of a journey that would take me through highs and lows, from initial euphoria to sobering setbacks - and finally to a strategy that allows me to look to the future with confidence today.

The single stock era - lessons from the "wild west" of the stock market

Like so many, I started out with a desire for quick profits and a fascination for the possibility of getting rich quickly through individual shares. Why invest in the broad market when individual shares promised so much more? I plunged headlong into the world of individual shares. It was names that were in the news, sectors that were booming or personal convictions that guided me. Every share was a little adventure, every price movement an adrenaline rush.

But the reality was often different from the glossy prospectuses or the euphoric forum posts. The euphoria quickly gave way to disillusionment. I remember the year 2022. Like so many others, I experienced a market that suddenly no longer knew only one direction: up. In my personal heat map of monthly returns, deep red fields emerged that year and even before. Months with -1.3%, -1.7%, -2.0%, -2.4%, -2.8%, -3.0%, even -3.4% were not uncommon. That was painful. Every look at the portfolio was a sting.

However, the problem was not just the bear market itself, but also the way my portfolio was structured. Without broader diversification, my risk was unnecessarily high. If one share fell, a large part of my portfolio fell and @DonkeyInvestor said: I told you so :-) .

The turning point came gradually, but inexorably. Frustration at the lack of stability, the realization that my individual "strategic" decisions were often just a gut feeling, and the desire for a more calculable path to a million led me to a far-reaching decision. It was in November 2024 when I pulled the ripcord. The individual share "experiment" was over. It was time to realign my portfolio.

The realignment - from single stock turbulence to ETF stability

The decision was clear: a restructuring of my portfolio was necessary in order to invest stably and efficiently in the long term. The new anchor of my strategy was to be ETFs.

Why ETFs?

The answer was simple: diversification, lower costs and risk spreading. With ETFs, you can invest in hundreds or thousands of companies at the same time with a single investment. This means I am no longer dependent on the fate of a single company, but benefit from the growth of entire markets and the global economy.

The major restructuring started in November 2024 and was a phase of intensive analysis and consistent implementation. Individual shares were sold and the freed-up capital was immediately reinvested in broadly diversified ETFs. It was a liberating move, a departure from the emotional rollercoaster ride and a step towards a rational, long-term investment strategy.

Today, in May 2025, my portfolio has a market value of €210,000 and reflects this transformation. It is a carefully curated mix that aims to achieve my million-euro goal efficiently and with calculable risk:

• The Global Anchor - HSBC MSCI WORLD UCITS ETF ($HMWO (+0,44%)
  ):

This ETF forms the core of my portfolio. It invests in around 1,600 companies from 23 industrialized countries and is my most important building block for long-term global growth.

• The US giant - S&P 500 USD (Dist) ($VUSA (+0,42%)
  ): - My targeted bet on the innovative strength of the 500 largest US companies.
• The income powerhouses - JPM Global Equity Premium Income Active UCITS ETF ($JEGP (+0,37%)
  ) and JPM Nasdaq Equity Premium Income Active UCITS ETF ($JEPQ (-0,41%)
  ): My "cash cows" that provide me with continuous capital.
• The dividend champion - VanEck Mstr.Dm Dividend.UC.ETF ($TDIV (+0,38%)
  ): - another pillar of my dividend strategy.
• Quality and dividends - Fidelity Gl.Quality Income ETF ($FGEQ (+0,16%)
  ) and WisdomTree Gl.Qual.Div.Gr.U.E. Registered Sha ($GGRP (-0,04%)
  ): ETFs that invest in high quality companies with sustainable dividends.
• US Dividend Aristocrats - SPDR S&P US Divid.Aristocr.ETF D ($SPYD (+0,09%)
  ): Companies that have consistently increased their dividends for at least 25 years.
• The European focus - iSh.STOXX Europe 600 U.ETF ($EXSA (+0,15%) ): a newer position that strengthens my diversification in the European region.

This structure forms the foundation of my current strategy: a clear core of broad market ETFs (MSCI World, S&P 500, STOXX Europe 600) is complemented by targeted satellites for high dividends and specific quality characteristics.

The strategy, or rather my roadmap for the future - discipline, cash flow and steady reinvestment

My path to a million is not a sprint, but a marathon that depends on discipline and a clear strategy. A significant amount flows into my portfolio every month - a total of € 1,610. This amount is made up of my active deposit of € 1,500 and € 110 from the reinvested dividends of the ETFs eligible for savings plans.

The distribution of my monthly savings plans is deliberately chosen to continuously strengthen my growth core:

• HSBC MSCI WORLD UCITS ETF (HMWO): 1,000 €/month
• VANGUARD S&P 500U.ETF DLD: 350 €/month
• ISH.STOXX Europe 600 U.ETF: 300 €/month
• WISDOMTREE.HMS.Z12/UN.XAU: 60 €/month (small proportion of gold for diversification and inflation protection)

The dividends are much more than just a nice bonus - they are a key driver for the growth of my portfolio through the compound interest effect. I'm already expecting an impressive €6,900 in gross dividends for 2025.

The challenge of dividend reinvestment

One problem that many investors also face is the challenge of dividend reinvestment at my bank, ING: automatic reinvestment only works if the net distribution of an individual ETF is at least €75.

If I haven't miscalculated and the dividends remain stable, this hurdle should be overcome for the ETFs in question.

Otherwise, I accumulate on my clearing account and then make a manual one-off investment in the VUSA or EuroStoxx600 as soon as a larger sum (between €500 and €1,000) has been accumulated, or I increase the savings plans to the two mentioned in the following month. This allows me to make the most of the compound interest effect and reduce the costs of transaction fees at the same time.

This approach has helped me to focus not on short-term gains, but on long-term growth and a steady income through dividends. It is a path that has proven its worth over the years and has continuously brought me closer to the goal of

1 million euros closer.

Looking to the future - The million within reach and the passive dream

My goal is clear: €1,000,000 in my portfolio. This milestone is not just a number, but the foundation for future financial freedom and the realization of my dreams.

Based on my current portfolio value of € 210000 (May 2025), my monthly investment and reinvested dividends and a realistic assumption of an average annual return of 8.0% p.a. (which is achievable for broadly diversified equity ETFs in the long term), I have a clear timetable in mind:

I will reach my goal of 1 million euros in the portfolio probably in April 2040. That is still about 14 years and 11 months of disciplined investing. The reinvestment of all dividends is the absolute key here. Without it, the road to a million would take almost a decade longer! This awareness motivates me anew every day.

Let's see if that works and whether I'll find this post on Getquin to repost again.

Let's give the euro more space in the portfolio.

It can't do any harm after everything is globally reorganized (or not 🤣 depending on what 🍊 feels so good again after getting up)

Hello!

I have been actively working on my portfolio since the beginning of this year, my strategy is to go towards dividends and a safe investment in ETF's with ETF's I want to achieve a balanced weighting that is not too American-heavy but also focuses on Europe.

I have a monthly savings plan of €300 which is divided as follows:

50 € $IWDA (+0,38%)

50 € $EXSA (+0,15%)

40 € $ZPRG (+0,57%)

40 € $WQDS (+0,1%)

20 € $O (+2,52%)

15 € $VZ (+0,2%)

15 € $ULVR (-0,21%)

10 € $JPM (+1,05%)

10 € $JNJ (+0,11%)

10 € $PG (-1,76%)

10 € $ENB (+1,68%)

10 € $ALV (+0%)

10 € $KO (-0,34%)

10 € $MCD (+0,79%)

Please do not pay too much attention to the crypto positions, I will liquidate the Shitcoins in the near future when prices are good and switch to ETFs/shares.

Now to my simple question, what do you think of the portfolio? Is it good for my strategy or do you have any tips?

I have a question for you. So far I have only saved one $IWDA (+0,38%) saved. However, I would now like to diversify this core more. In future, I would like to invest 65% in the $IWDA (+0,38%) 20% in a $XMME (+0,49%) 10% in $EXSA (+0,15%) and 5% in $EWG2 (+0%) into one. Should I now save the amount I have already saved with the new allocation from next month or should I divide the sums between the new ETFs until the allocation is correct?

Greetings. Due to the current situation, I would like to further diversify my portfolio, as I currently have 80% US. In addition to my $IWDA (+0,38%) and various individual stocks, I have considered a savings plan for the $EUE (-0,05%) or $EXSA (+0,15%) to weight Europe more in my portfolio. I am young 24 and have an investment horizon of hopefully a few decades.

I would be very happy to receive feedback on the ETF mentioned or alternatives. ✌️