Hello everyone, I need your advice on my portfolio. Classic core satellite strategy with a few just4fun bets.

Unfortunately I overslept the merger of my Lyxor MSCI ETF in March and now have Amundi. Had to pay tax of course and then went into the red with the customs policy. Learning: No more Amundi...

As soon as the ETF is positive, I want to sell it. But I can't decide whether I should simply switch into one $IWDA (+0,28%) or should I rather shift everything into my $IUIT (+0,89%) should I shift everything into mine? I'm simply hoping for a higher return, but that also means more cluster risk... an S&P 500 would also be an option. The USA is simply the yield machine and I'm hoping for a better performance.

Additional question to all Austrians: Would you buy dividend stocks at Trade Republic? I'm with Flatex, my positions are still small but at some point the dividend fee will kick in and I find it really outrageous.

What do you think?

Hi folks,

I also wanted to take the opportunity to ask the community for advice. I'm still quite new here (started in January 2024) and have been thinking about changing my ETF savings plan strategy for a few weeks. I am currently saving the 5 ETFs you see in the screenshot below, each with 200€ / month.

$XDWD (+0,33%)
$IUIT (+0,89%)
$CSNDX (+0,42%)
$VWRL (+0,24%)
$VUSA (+0,52%)

However, I've been thinking more and more about stopping either the S&P 500 Info Tech. or the NASDAQ 100. I actually have two ETFs in mind. Divided into distributing and distributing per world and with a focus on the US, which would then be the case.

However, in recent weeks we have been reading more and more here and in other media about the $TDIV (+0,04%) and also from $JEGP (+1,3%) .

I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (+0,04%) and $JEGP (+1,3%) tempted to expand after all 🙈😅

What would you advise me to do? My investment horizon is 30+ years. In addition to the €1,000 in ETFs, I save €1,000 a month to invest in individual shares.

Completely different ideas for the constellation are also welcome. I like to be inspired and think about it.

PS: before I forget, a huge thank you to this great community, which has made my start in investing much easier. The daily posts and discussions are fun and expand my knowledge from day to day. A positive side effect is the reduced consumption of other social media 🤣

Enough said, I look forward to your feedback. Have a nice rest of Sunday everyone!

John

Hello everyone,

With today's high, I have cracked my first target of €50,000 for the first time.

The next target is of course €100,000, hopefully by the end of 2026/beginning of 2027.

I would therefore like to present my portfolio to you and hope that you will have any suggestions for improvement and constructive ideas.

Basically, the focus is on buy and hold / growth. But a dividend is also nice.

I started thinking more intensively about the whole topic around the beginning/middle of 2023, at the age of 29. The aim is to possibly reach the millions after all, or in any case to have a more comfortable retirement later on.

Before that, it was more about trying things out or the "safe" investment that you get from your parents. In the meantime, we saved in stories such as DWS funds. I still have one of these "corpses", the DWS Vermögens... $HJUF (+0,59%) .

However, this is also to be restructured in the near future.

I am currently working on increasing my ETF positions to get to a ratio of 50%/50%. I have not been so successful with this recently, as I have increased many individual stocks due to the low.

Actually, the iShares Core S&P 500 $CSPX (+0,52%) and FTSE All-World $VWCE (+0,23%) are in the foreground.

Yes, I am also saving here at the same time $VWRL (+0,24%) for a few more dividends a year. You are welcome to give your opinion on whether this makes sense or whether you should only take one of the two.

My current monthly ETF savings plans at a glance,

Core S&P 500 $CSPX (+0,52%) - 150€

All-World $VWCE (+0,23%) - 70€

All-World $VWRL (+0,24%) - 70€

MSCI World $IWDA (+0,28%) - 40€

S&P 500 Information Tech $IUIT (+0,89%) - 30€

All-World High Divid. $VHYL (-0,36%) - 30€

VanEck Sustainable World Equal $TSWE (-0,05%) - 30€

VanEck Developed $TDIV (+0,04%) - 15€

iShare DJ Global Titan 50 $EXI2 (+0,5%) - 15€

Here, too, a merger would be conceivable and also make sense.

For example, since I hold the DJ Global Titan 50 $EXI2 (+0,5%) and the MSCI World $IWDA (+0,28%) with a small amount for ages, I have not yet been able to part with them.

I still save the following shares weekly at €7 each on the side,

$BRK.B (+0,52%)

$BLK (+0,35%)

$PG (-0,49%)

$PEP (-0,74%)

$KO (+0,02%)

In addition to the above, I buy individual shares, ETFs or top up positions worth a further €500, depending on prices.

On average, my monthly savings rate is therefore around €1,000-1,500.

As already mentioned, I would like to ask the community for their opinion, any suggestions for improvement and constructive ideas.

Thank you very much, best regards and happy trading days.

Moin,

I need a few tips and suggestions for my portfolio.

Current savings plans as of 01.02.25 $IWDA (+0,28%) , $QYLE (+0,21%) , $IUIT (+0,89%) , $ISPA (-0,33%) , $XNAS (+0,42%) , $XMME (+0,18%) .

Every month, €800 goes into the savings plans.

300€ $IWDA (+0,28%)

150€ $QYLE (+0,21%)

100€ $IUIT (+0,89%)

100€ $ISPA (-0,33%)

100€ $XNAS (+0,42%)

50€ $XMME (+0,18%)

Target weighting:

70- 80 % Etf

20-30 % crypto