After my basic framework (after buying the house in September) with $AVGO (+2,27%) , $COST (-1,34%) , $APH (+3,55%) , $PH (-0,29%) , $CVX (+0,52%) , $EXENS (+1,77%) & $NOC (-2,46%) stands again,

Now go buy something in the almighty $HMWO (+0,1%)

... after I bought too early on Friday 😬. I'm currently considering doubling my savings plan and having it executed every week instead of just every other week. Soon we'll have a situation like $BTC (-1,15%) with hourly savings plans 😅

My ass, the donkey is selling @salvo89ari

https://getqu.in/hdYbhq/

... just had to buy the matching dip 🍯

Savings plan execution well timed for once :)

My favorite is the $HMWO (+0,1%)especially because the dividend allows me to make the most of my tax-free allowance without having to sell shares or let it expire. I use the dividend to invest in individual items. What is your opinion?

Let it rise! Started just over 3 years ago and it works! No headaches with passive investing 😎😌

We currently have just under EUR 16,500, which was originally earmarked for an unscheduled repayment of the property loan 🏠. Until recently, the money was in a Trade Republic account with 3.00% interest, which is now being reduced to 2.75%. Combined with the APR on the loan and inflation, however, this amounted to a zero-sum game. Not particularly smart - but since the money belongs to both me and my wife, you have to make compromises every now and then. 😄

But now we would like to invest the amount in an ETF. Our current portfolio, in which the monthly surpluses are invested, looks like this:

• 50 % in the $HMWO (+0,1%) (HSBC MSCI World ETF, distributing - until the exemption limit is reached, which will probably be soon 🫠 )
• 25 % in the $EQAC (+0,61%) (Invesco EQQQ NASDAQ-100 ETF, accumulating)
• 10 % in $EWG2 (+0,8%) (EUWAX Gold II, accumulating)
• 7,5 % in $EIMI (+0,35%) (iShares Core MSCI EM IMI ETF, accumulating)
• 7,5 % in $QDV5 (-0,59%) (iShares MSCI India ETF, accumulating)

In addition, my wife saves monthly in the $SPYI (+0,2%) (SPDR MSCI ACWI IMI ETF, accumulating) with 155.00 EURto build up reserves for her private health insurance when she retires.

In addition, some of our money flows into call money accounts as an emergency reserve, and there is also an amount in the $XEON (+0,03%) (Xtrackers II Overnight Rate Swap ETF C).

Now we are considering in which accumulating ETF we should invest the 16,500 euros and the future savings installment should be invested in. I would like to keep it as a separate or new position in one of the custody accounts, as the money will be invested in 17 years - after the fixed interest rate expires - to (partially) pay off the real estate loan. I'm also a fan of having different pots for different occasions. Each month I expect to have 250 to 500 euros in addition to the 16,500 euros.

Which accumulating ETF would be your favorite under these conditions?

Or simply, in one of our existing custody accounts additionally $SPYI (+0,2%) (SPDR MSCI ACWI IMI ETF) separately from my wife's savings plan, as a separate pot, because it's already a good ETF anyway?

I look forward to your opinion!

Here is my portfolio, in which I have entered the sales as purchases.

Briefly: What profits/losses have I lost since selling position XY?

Background information: I have been saving the $IWDA (+0,05%) + $CSPX (+0,06%) and a little $BTC (-1,15%) - now only due to the size $HMWO (+0,1%) - and from the beginning of 2020 to mid-2024 the 76 individual shares were also included.

Well, it actually looks quite good, why didn't you switch completely to individual stocks, you have some nice stocks in there? 1.9% dividend yield with 80% TTWROR

Quite simply: I'm not interested in the hassle - it's just too stressful for me

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Here's a comparison of the "what-if" portfolio with the actual portfolio:

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Now have fun browsing. Maybe one or the other will find a Tenbagger.

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Oh yes, exactly. Thank you @DonkeyInvestorthat was quite a task to grasp the whole thing, but I wanted to see it.

if you invest all your assets in e.g. $VWRL (+0,2%) or $HMWO (+0,1%) and the euro currency were to die.

Would that not matter because of the shares you hold and could you theoretically sell them again for another currency or is that complete madness because you bought in euros?

If that is not possible, what would happen and how can you counteract something like that apart from crypto and gold?

If the question is extremely stupid and unambiguous, I am already sorry and thank you for any answer.

Have a good year 2025 🙏🏻