Hello everyone,

I am 20 and would like to build up a portfolio for long-term growth and security.

The breakdown of my monthly savings plans:

66,7% $ISAC (-0,88%)

8,3% $WSML (-1,22%)

8,3% $MEUD (-0,59%)

8,3% $QDV5 (-1,05%)

8,3% $IGLN (+0,95%)

I would like to hear your opinion on whether you think this makes sense or would exchange/add a position or maybe you also say it is smarter to just save the $ISAC (-0,88%) to save.

$EWG2 (+0,84%) has already been down around 1% for half an hour, at least the selling price. The spread has widened to almost 2%.

$IGLN (+0,95%) is close to 0%.

Something is wrong. This is not normal.

Risk of failure? Delivery problems?

To all $EWG2 (+0,84%) I would advise all holders to keep a closer eye on the next few days and possibly swap into other ETCs.

Your Epi

Hello dear community,

I am considering restructuring my portfolio and investing in various ETFs.

• 50 % $VWCE (-1,16%)
• 
  10 % $SEMI (-4,78%)
• 
  10 % $INRA (-2,4%)
• 
  10 % $CEBT (-0,78%)
• 
  10 % $ESIF (-0,93%)
• 
  10 % $IGLN (+0,95%)

To start with, I would like to invest €5,000 accordingly and increase it monthly according to the same distribution.

My thoughts on this:

• unagitated basis in the world ETF
• More risk and potentially more profit in sector ETFs. Sectors that I personally think will become relevant in the coming years and decades.
• Somewhat more speculative sectors such as semiconductors, green energy or precious metals. But supported by more solid sectors such as finance and gold.

What are your opinions on this? I would be delighted to receive feedback! :)

Greetings,

I generally don't think much of posts on feeds from any media, as they don't bring me any added value but merely serve to present myself. Now that I have followed the publications and reactions a bit, I think I have seen more than less constructive members here.

For this reason, I have decided to make the first post of my life here. It's not directly about sums, I just want to ask for your assessment of my savings plan and target allocation. Constructive criticism and suggestions for improvement are expressly welcome.

The whole thing is intended to reflect a core-satellite strategy with a 1:1 risk/reward ratio.

Global diversification (core) - 60%:

• $CSPX (-1,21%) - 25%,
• $MEUD (-0,59%) - 17%,
• $LEM (-0,88%) - 10%,
• 
  $XDWH (-0,13%) - 8%,

Individual securities (satellites) - max. 20%:

• 
  $BRK.B (+0,77%) - 5%,
• 
  $IBE (+1,04%) - 3%,
• 
  $CRWD (-3,05%) - 3%,
• 
  $HUBS (-3,92%) - 3%,
• 
  $AVAV (-4,12%) - 2%,
• 
  $NTLA (-5,77%) - 2%,
• 
  $BWXT (-5,53%) - 2%,

Buffer (security) - approx. 20%:

Raw materials:

• 
  $IGLN (+0,95%) - 6%,,
• 
  $CMOE (-1,28%) - 4%,

Bonds:

• 
  $0GGH (-0,26%) - 6%,

Real estate:

• 
  $IWDP (-0,83%) - 4%.

My thought process should be clear. The core should cover global performance with a percentage distribution based on economic strength. Separately, the World Health Care ETF, as people are getting older and sicker and, in my opinion, the healthcare sector is not so strongly represented in the other ETFs.

For the satellites, my thought process is as follows:

Berkshire can be seen as an ETF and covers successful individual stocks.

Nothing works without energy, hence BWX (USA) and Iberdrola (Europe). I see digital security threatened by AI and the further development of data centers etc., hence CrowdStrike. Companies will always need good software to be able to expand and still keep track of things, hence HubSpot. In connection with AI and the armed conflicts in our world, I see drones as a future-oriented technology in all possible areas, hence AeroVironment. And I discovered Intellia as a medical catapult, which is admittedly a bit of a gamble, but always gets a lot of drugs into the test phase.

I don't think I need to say much about the buffers, as in my view these are the investments that remain stable or grow in difficult market phases when everything else is falling.

This gives you a little insight into my thinking and actions. Please don't tear it apart, I'm not a professional but I'm sacrificing some of my remaining free time to get a bit of an insight into the world of capital and maybe get a small slice.

I welcome any opinions and suggestions for improvement.

I wish everyone a successful week!

Best regards

Nils

For those who have no plans today,

Aswath Damodaran (if you don't know him, please google him) has made a short but very precise analysis of gold as an investment.

Highly recommended!

https://youtu.be/FdlCocXHnMs?si=TyIjsezV_5QwLTXb

For those who prefer to read it:

https://aswathdamodaran.blogspot.com/2025/11/a-golden-year-2025-golds-price-surge.html?m=1

$4GLD (+0,69%)

$GLDA (+0,99%)
$EWG2 (+0,84%)
$IGLN (+0,95%)

$DE000EWG0LD1 (+0,83%)

• 🧬 ASM International - Technology / Semiconductors $ASM (-5,4%)
• 
  🪙 iShares Physical Gold ETC - Precious metals / Hedging $IGLN (+0,95%)
• 
  💻 iShares NASDAQ 100 ETF - US index / Growth $CSNDX (-2,38%)
• 
  🧠 Atoss Software - Software / SaaS $AOF (+0,17%)
• 
  🇪🇺 Amundi EURO STOXX 50 II ETF - European index / Stability $MSE (-0,74%)
• 
  🌍 Vanguard FTSE All-World High Dividend Yield ETF D - Global Dividend $VHYL (-0,4%)
• 
  ₿ Bitcoin - Crypto / Diversification $BTC (+1,08%)
• 
  🧩 Ethereum - Crypto / Innovation & Web3 $ETH (+1,52%)
• 
  📊 S&P Global (SPGI) - Financial data / Ratings / Indices $SPGI (+0,57%)

Today, my portfolio broke through the €10,000 mark for the first time.

I've been active on the stock market since the end of 2022, i.e. since the start of my training.

I'm really glad that I started looking into investing back then.

Not only do I enjoy it, but it has also completely changed the way I deal with money and my view of wealth accumulation. 📈

Of course, not everything went perfectly at the beginning.

I often swapped back and forth, sold or bought shares due to short-term fluctuations and sometimes just traded on instinct.

As a result, I also had quite high fees in the first year.

But I learned a lot from that.

I now have a clear strategy that suits me well:

Buy & Hold invest for the long term and give companies time.

Here are two more suitable quotes:

As Buffett said: "Our favorite holding period is forever."

Or as Graham said: "In the short run, the market is a voting machine, but in the long run, it is a weighing machine."

My savings plans:

ETF:

• Vanguard FTSE All-World ($VWRL (-0,98%) )
• Fidelity Global Quality Income ($FGEQ (-0,93%) )
• iShares Physical Gold ($IGLN (+0,95%) )

Equities:

• Microsoft ($MSFT (-0,32%) )
• Apple ($AAPL (-0,42%) )
• Visa ($V (+0,4%) )
• Coca-Cola ($KO (+1,67%)
• 
  Alliance ($ALV (-0,79%) )
• Realty Income ($O (+0,92%) )

Crypto (small share):

• Bitcoin ($BTC (+1,08%)
• 
  Ethereum ($ETH (+1,52%) )

I am very happy about this first milestone and will stay on the ball. 🚀

After everything that's happening on the stock market, it's quite possible that my portfolio value will soon fall below €10,000 again. But that's just part of it. 📉

Do you think that yesterday was a flash "crash" that will be quickly bought up again in the next few days and ultimately end in a year-end rally, or could we be looking at a real crash?

$VUSA (-1,22%)

$BTC (+1,08%)

$IGLN (+0,95%)

adjusted my savings plans and got out of the gold ETC and $EWG2 (+0,84%) in :)