My wife has been saving stupidly for a long time. $VWRL (-0,45%)

As the USA and tech share is very high there, we would now like to add 1-2 more ETFs to balance out the portfolio somewhat.

I was thinking of an emerging market ETF and a dividend ETF in order to be broadly diversified across everything.

More specifically, I was thinking of the emerging markets from $VFEM (-0,61%) in particular.

With the dividend ETF, I'm still wavering between the $TDIV (-0,85%) or $ZPRG (-0,19%) .

Your opinion or addition to the ETF?

Vanguard has announced that it will reduce the costs (TER) for 7 ETFs from October 7, 2025. This is an advantage for us and especially for long-term investors.

Which ETFs are affected? 📌

Vanguard FTSE All World UCITS ETF ($VWRL (-0,45%) ) 0,22 % → 0,19 %

Vanguard FTSE North America UCITS ETF ($VNRT (-0,2%) ) 0,10 % → 0,08 %

Vanguard FTSE Emerging Markets UCITS ETF ($VFEM (-0,61%) ) 0,22 % → 0,17 %

Vanguard ESG Emerging Markets All Cap UCITS ETF ($V3AA (-0,53%) ) 0,24 % → 0,19 %

Vanguard FTSE Japan UCITS ETF ($VJPN (-0,8%) ) 0,15 % → 0,10 %

Vanguard FTSE Japan UCITS ETF ($VJPE (-0,86%) ) 0,20 % → 0,15 %

Vanguard Germany All Cap UCITS ETF ($VGER (-0,26%) ) 0,10 % → 0,07 %

And on top of that, there was also a nice dividend today on the ($VWRL (-0,45%)) 🤩

https://www.de.vanguard/professionell/insights/wir-haben-die-kosten-unserer-etfs-gesenkt-schon-wieder

Brief update: My portfolio has cracked the 50,000 mark and I'm really pleased with its performance. In terms of the capital invested, I'm up around 16% with the price gains, and a good CHF 600 in dividends have already been received since the start. This results in a total return of around CHF 7.5k after costs.

$VWRL (-0,45%) delivers a solid plus, $VFEM (-0,61%) has achieved double-digit growth and $BTC (-0,54%) was recently the strongest driver with a significant premium. This is exactly how it should continue, even though I am aware that it could wobble again at any time.

The dividend target of CHF 500/year has been achieved and should increase somewhat over the course of the year. I am pleased with the interim result and will continue as before.

Greetings superhero

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+0,35%) , $O (-0,79%) and $ATO (-10,67%) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (-0,47%)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (+0,82%)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0,19%)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (-0,76%)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (-0,16%)

50 €

FTSE Emerging Markets (Dist)$VFEM (-0,61%)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (-0,54%) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

I am currently using the $ISAC (-0,41%) I am broadly diversified and generally well positioned, but I would like to be able to weight certain regions independently. I am thinking of the following ETF model:

• An MSCI WORLD EX USA, e.g. $EXUS (-0,81%)
• 
  The classic S&P 500 $CSPX (-0,49%)
• 
  An emerging markets ETF, e.g. $VFEM (-0,61%)

My idea would be (savings plan):

• $EXUS (-0,81%) 40%
• $CSPX (-0,49%) 45%
• $VFEM (-0,61%) 15%

What do you think of the selected ETFs? How would you weight the ETFs in a savings plan with a view to the future?

I'm actually quite happy with my position at the moment, but I think I want to improve my $MC (+1,58%) and $VFEM (-0,61%) as I already have $VWRL (-0,45%) already have emerging markets in it.

Do you have any suggestions for expansion?

Doesn't have to be long-term, higher risk is also not a problem.

Review of an exciting year on the stock market

Last year was a real milestone for me in many respects. Even though I have posted less recently, I have by no means been idle. On the contrary, I consistently implemented my "div & hodl" strategy and was able to achieve several personal goals at the same time. For example, I passed the CHF 25,000 mark - and shortly afterwards also crossed the psychologically important CHF 30,000 line!

My current strategy and dividend milestones

-Core portfolio (70/30): The core consists of two ETFs - an all-world ETF ($VWRL (-0,45%)) and an emerging markets ETF ($VFEM (-0,61%) ).

-Dividend targets: Since 11.12.24 my first target of CHF 250 per year has been ticked off. The next interim target is CHF 500, followed by CHF 750 up to the target of CHF 1,000 per year.

-CryptoIn addition to my ETF investments, I am continuing to save in crypto - a small but nice $BTC (-0,54%) -position via dollar-cost averaging (DCA).

Outlook: Where the journey is going

For the coming year, I plan to continue working towards my dividend targets and exceed the CHF 500 mark. I want to maintain the tried-and-tested 70/30 ratio, using every quarter or so for rebalancing. In addition, I'm staying on the ball with my BTC DCA approach - even though crypto is definitely not for the faint-hearted, for me it is part of diversification in small doses.

Conclusion

Patience, continuity and a clear plan: these are the ingredients that have helped me achieve my financial milestones this year. From the first dividend target (CHF 250/year) to the CHF 25k threshold to CHF 30k - it all goes to show that long-term investing still works best when you stick to your plan and invest steadily despite market fluctuations. I am looking forward to the next stock market year and am excited to see what hurdles we will overcome together as a community.

Stay invested and happy new year!

#etfs

#dividends

#crypto

Source image: DALL-E