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 (+0,32%) .

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 (+0,88%) and FTSE All-World $VWCE (+0,86%) are in the foreground.

Yes, I am also saving here at the same time $VWRL (+0,88%) 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 (+0,88%) - 150€

All-World $VWCE (+0,86%) - 70€

All-World $VWRL (+0,88%) - 70€

MSCI World $IWDA (+0,86%) - 40€

S&P 500 Information Tech $IUIT (+0,97%) - 30€

All-World High Divid. $VHYL (+0,64%) - 30€

VanEck Sustainable World Equal $TSWE (+1,02%) - 30€

VanEck Developed $TDIV (+0,24%) - 15€

iShare DJ Global Titan 50 $EXI2 (+0,68%) - 15€

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

For example, since I hold the DJ Global Titan 50 $EXI2 (+0,68%) and the MSCI World $IWDA (+0,86%) 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 (+0,43%)

$BLK (+1,23%)

$PG (+0,19%)

$PEP (+0,33%)

$KO (-0,81%)

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 (+0,86%) , $QYLE (+0,4%) , $IUIT (+0,97%) , $ISPA (+0,56%) , $XNAS (+1,18%) , $XMME (+1,02%) .

Every month, €800 goes into the savings plans.

300€ $IWDA (+0,86%)

150€ $QYLE (+0,4%)

100€ $IUIT (+0,97%)

100€ $ISPA (+0,56%)

100€ $XNAS (+1,18%)

50€ $XMME (+1,02%)

Target weighting:

70- 80 % Etf

20-30 % crypto

My ETF portfolio

Only completed this month, so the gains and losses are perhaps a little strange.

$IUIT (+0,97%)

$DFEN (-0,51%)

The Information Tech ETF serves to invest as focused as possible in all the compounders, I would generally prefer the equal weight variant, but unfortunately it is not yet available in Europe as far as I know. The VanEck ETF is intended to protect the portfolio somewhat from geopolitical risks, and the companies are also quite interesting and all have the state as a major customer, either directly or indirectly, which I think is a very good addition. Weighting is around 55% at the beginning and will be rebalanced as soon as the equities exceed the 80-85% threshold. In this way, I hope to take as much upside as possible and leave the equity area largely unhindered.

$IGLN (-1,41%)

The 22% weighting is based on the post from dear @Epi regarding gold.

$DTLA (-0,43%)

$IDTP (-0,1%)

$IBTA (-0,21%)

Like gold, the combination of bonds is intended to take out some volatility and provide an alternative cash position. However, I am considering possibly exchanging the 1-3 year bonds for BTC.

Remaining position sold - capital for individual shares