Nevertheless, I have decided to minimize the risk in my portfolio for the first time.

What did I do?

Stocks that I am not (or no longer!) 100% convinced of were removed from the portfolio and shifted into ETFs.

Thank goodness with a manageable loss.

ETF share increased and higher monthly savings, because I'm now an apprentice and earn more.

Savings as follows:

$COPX (+0,03%) is saved with 600€

$IWDA (+0,82%) with 400€

$XEMD (+1,7%) with 250€

250€ overnight money

In 3 months, my Volksbank membership in the amount of € 4800 will be terminated. This will then be used to buy shares again.

Until then, my securities account will remain: $IREN (+9,88%) , $RKLB (+2,24%) , $QBTS (+17,42%)

So: more safety, lower risk= better sleep, less headache

This was my last savings plan execution for$HMWO (+0,8%) and $HMEF (+1,67%) (not in the picture). The two positions together have reached the size of my $VWRL (+0,85%)-position and are therefore full.

In February, the first savings plan execution of $XDWL (+0,78%) and $XEMD (+1,7%). This will then take place once a month instead of twice a month.

The two smaller savings plans on $WHCS (+0,09%) and $WITS (+1,13%) will continue to run, but will also be changed from 2x per month to 1x per month (amount remains identical).

Why I am using several All World ETF / World + EM. Combinations, you can read here:

https://getqu.in/5DvtL7/

I am currently planning to specifically expand my portfolio to include emerging markets - not out of short-term actionism, but with a clear long-term plan.

A large part of global growth is taking place outside the developed markets. Over 80% of the world's population lives in emerging markets, where new middle classes, rising consumption and long-term growth drivers are emerging. If you want to invest globally, you should not ignore this part of the world.

I am already indirectly invested in emerging markets via my FTSE All-World (VWRL) with around 10-11%. This share is automatically generated by market capitalization, but is too low for me in the long term.

I do not see the weak performance of recent years as a warning signal, but as an opportunity. Valuations are moderate, expectations are low - a good environment for long-term investors.

I will build up my EM share in stages, both through one-off investments and a monthly savings plan, with the aim of achieving around 20% emerging markets in my portfolio in the long term.

To achieve this, I am relying on a broad, distributing MSCI Emerging Markets ETF: cost-effective, physically replicated and without country or theme bets. $XEMD (+1,7%)

Emerging markets are volatile - but in the long term they are an indispensable building block of genuine global diversification.

Hi, I'm 23 years old and this is my portfolio at the moment. I make the following monthly savings plans:

$MEUD (+0,39%) 125€

$XEMD (+1,7%) 50€

$TSWE (+0,47%) 100€

$XDWD (+0,81%) 175€

I have now considered whether I should add 2-3 shares to the portfolio. But I'm not quite sure which ones and would like to know your opinion.