110 shares $IE0005AJA0P1 (-1,2%) purchased or increased 🚀

$NFLX (+0,36%) sold ....

⬇️ bought, as the emerging markets had fallen considerably

This was my last savings plan execution for$HMWO (-1,15%) and $HMEF (-2,86%) (not in the picture). The two positions together have reached the size of my $VWRL (-1,24%)-position and are therefore full.

In February, the first savings plan execution of $XDWL (-1,16%) and $XEMD (-2,65%). This will then take place once a month instead of twice a month.

The two smaller savings plans on $WHCS (-0,53%) and $WITS (-1,22%) will continue to run, but will also be changed from 2x per month to 1x per month (amount remains identical).

Why I am using several All World ETF / World + EM. Combinations, you can read here:

https://getqu.in/5DvtL7/

Good morning everyone,

I am planning to restructure and reorganize my ETF. I had thought about the following allocation. The plan is a one-off investment of €20,000-€25,000 and then monthly savings plans. The whole thing will be divided into percentages.

30% $VWRL (-1,24%) FTSE All-World

25% $HMEF (-2,86%) MSCI EM

20% $EXSA (-1,81%) Europe 600

15% $VHYL (-1,1%) All-World High Div

10% $WAT (-1,77%) MSCI Water (Themes ETF)

Does the community have any tips or suggestions for improvement?

Kind regards

SC Depot savings plans:

• 1.300€ $VWRL (-1,24%)
• 
  400€ $WSML (-1,42%)

Savings plans TR Depot:

• 360€ $HMWO (-1,15%)
• 
  140€ $HMEF (-2,86%)

In the $XEON (-0,01%) is my "nest egg". The money is not invested but serves as a reserve for unplanned expenses.

My cash reserve is currently very high, so I don't yet know how to invest it. Immediately, in tranches, wait for a setback?

I am slowly building up my TR portfolio, as I want to spread my risk somewhat (portfolio provider, ETF provider)

Dividends will be reinvested and the depots will hopefully one day be my retirement provision.

Hello community.

As some of you have already noticed, the grandpa is very dividend-oriented and cash flow is the maxim. My portfolio with currently just under 250k consists of 64% equities, 21% Bund and US short-dated bonds, some ETFs, some bonus certificates and physical gold. As the majority of my income comes from interest, dividends and rental income, I have been able to live very well with my additional high cash holdings from overnight and fixed-term deposits. Slowly but surely, this comfortable time is coming to an end for a security-conscious old man and he is starting to rethink and restructure. I may be 60 and no longer have a long-term investment horizon, but I can still plan for the medium term of 5 to 10 years. 250k is still tied up for 1 to 4 years at good fixed deposit interest rates for me (3.8 to 4.5%) with an annual payout. Now ING has come across me and is offering 3.3% overnight money via an extra account for 6 months, which I'll take. The free custody account too. And that brings us to the topic. I put 150k in the call money account (yes, I know deposit protection) and set up savings plans on ETFs with 8k per month for the next 1.5 years.

Of course I can't get away from cash flow completely, but a little growth with a manageable sum can't hurt. The basic idea is 50% in the world, 20% in dividends, 10% emerging, 10% Europe and 10% Russel.

US should already be appropriately weighted, I am not directly invested in tech, this should improve via world ETFs and I would also like to consider the rest of the world and a few dividends.

I have made the following pre-selection (as I said, it's about 8K per month in the savings plan):

50% world, half of this in $XDWL (-1,16%) and the other half in$HMWO (-1,15%) . Both very similarly structured, TER ok, both distributing, but in different months.

20% dividend ETF, half of which is in $TDIV (-0,1%) and the other in $SEDY (-1,87%) The latter one-fifth in China, the risk is manageable, otherwise a bit of a watering can and overall a small US share in both, which I cover via direct investments as I said.

10% in $IMEU (-1,76%) which covers areas in which I have no exposure apart from $NOVO B (-1,83%) and $HSBA (-1,26%) I have no positions worth mentioning.

10% in $HMEF (-2,86%) China, yes over 20%, the rest is ok for me and also includes information technology and financial services, which are very underrepresented in my portfolio.

10% in $IWM (-1,85%) I am sticking to my US weighting and speculating on further effects from future interest rate cuts, even if some of this has already been priced in.

Finally, I would like to point out that I am not interested in the decimal place of the TER.

Overnight money will yield significantly less in the near future, growth does not harm my investment strategy, but it does not have to be the maximum return that can be achieved.

Putting everything into dividend stocks is suboptimal, so why not go "relatively risk-reduced" into ETFs in the medium term with part of my money.

Please give me your valued opinion on the approach and the chosen stocks, thanks for reading and have a sunny weekend.

Your dividend topi

Hello 🙋🏼‍♂️,

what is your opinion on this portfolio allocation?

or how would you weight the 3 in each case?

$SPPW (-1,17%)

$HMEF (-2,86%)

$n/a (-1,88%)

My portfolio is down 5 digits today. That's great. I'm up 5 digits $HMWO (-1,15%)
$HMEF (-2,86%)
$WITS (-1,22%) and $WHCS (-0,53%) bought more. What about you?

So, after my lukewarm stumble onto the stage of the community recently, now for real:

Hello everyone (friendly nods to all),

I've been a mostly silent reader for a while now, but I'd like to introduce myself - even if I don't know what I'm up to - in keeping with local custom:

I am 55 & a civil servant in the Federal Civil Service, which puts me in the fortunate position (I hope) of not having to rely on additional income from investments for a materially bearable retirement (in twelve years' time, I would just about reach retirement without deductions after 40 years in the civil service). Investment is therefore essentially a consumption alternative, a safety cushion and - later - intended for my sons (living with their mother, 17 & 13 years old; each with their own portfolios / savings plans). My investment horizon is therefore open ended (or determined biologically or by the legitimate major needs of the offspring).

My investment history - still perceptible in the portfolio presented here - begins in 1996/1997 with the first (and later unfortunately also the second) placement of the $DTE (-0,49%) T-share and the IPO of $PSM (-1,37%) ProSieben (which has since more than made up for its initial investment through dividends, good boy). At some point, he inherited the current e.on position from his grandparents $EOAN (-2,86%) e.on position and a position in $VOW3 (-0,96%) Volkswagen, which I sold several years later on the advice of my savings bank at the time (bygones).

Then nothing for a long time (studies/traineeship, career start - I was "investing in my current account" and couldn't even manage to process my business trip expenses on time, tststs).

With a wife and children came the need to make provisions (the little guys simply cost a tidy sum through the cycle), which I initially did through sporadic ad hoc investments:

In particular hubris, at the beginning of the subprime crisis I trusted the investment banks to have everything under control and bought shares in $DBK (-2,28%) Deutsche Bank (close to ATH), Bear Stearns and Merrill Lynch (the relics can be found as a minus at $BAC (-0,02%) Bank of America for Bear Stearns and - invisibly - a tax loss carryforward to offset the now quite respectable $JPM (-0,37%) J.P. Morgan position for Merrill Lynch), $DBK (-2,28%) with additional purchases slowly creeping back into a "perhaps at some point back to zero" zone.

Otherwise, a number of active funds ($n/a LU0557858130, $n/a LU1143163779, $n/a IE00BG7PHW03, $n/a (+0,04%) LU1496713741, $n/a (-0,04%) DE0008474750, $n/a GB0030932676, $n/a (-0,13%) LU1864952335 and predecessors), of which only $n/a (-1,66%) Pictet Water had actually performed noticeably positively on a time-weighted basis.

From around 2015, I then gradually started to populate the current portfolio with various equity and ETF savings plans at ING ($GOOG (-0,61%) Alphabet C, $AAPL (+1,02%) Apple, $KO (+0,64%) Coca-Cola, $NESN (+1,29%) Nestlé, $BAYN (-0,95%) Bayer (ouch!), $SIE (-4,9%) Siemens, $DIS (-2,29%) Walt Disney, $PFE (-1,36%) Pfizer, $PR1J (-0,6%), $FLXC (-1,67%), $FLXK (-5,19%), $EXS1 (-2,05%), $LCUK (-2,14%), $C060, $XMUS (-0,99%), $DBXW (-1,07%), mostly at 50 euros/month), supplemented by a few nicely timed individual purchases in $AAPL (+1,02%) , when it was still trading at around 80 euros before the 3:1 stock split, as well as $MT (-6,12%) AcelorMittal and $BHP (-4,43%) (mini position, but with a nice dividend yield since then).

With supply chain problems and inflation emerging at the end of corona/beginning of Ukraine, I then started to invest in another portfolio, the actually far too expensive $SPAG (-0,3%) iShares Agribusiness and $EXV6 (-5%) iShares STOXX Europe 600 Basic Resources as a hedge against the rising cost of living that had gone wrong (had bet on more pronounced sectoral greed-flation).

Since I have since followed the recommendations of $VWCE (-1,4%) resp. $ACWI (Glashaus!) in the meantime, the aggregated lump and the $AAPL (+1,02%) and $GOOG (-0,61%) was getting a bit scary, but I didn't want to touch the corresponding equity savings plans (more on this in a moment), I put my basic trust in the long-term out-performance of the US equity market into practice by investing in two "equal weight" index funds, namely with $WEBA (-0,51%) on the NASDAQ100 (also with a savings plan) and $XDEW (-0,84%) on the S&P500 (one-off investment only).

Some of this, especially the earlier investment history, is foreign to my Getquin portfolio history, as I only entered this after a portfolio reorganization in early 2023.

Over the years, my employer has steadily introduced stricter regulations for private financial transactions, which currently makes it practically impossible for me to invest in individual names or funds with certain predominant industry shares. However, in an exemplary manner under the rule of law, previously existing savings plans were protected in the respective iterations of the tightening, so that I jealously continue the remaining share savings plans (see above lump at $GOOG (-0,61%) and in particular $AAPL (+1,02%)).

I currently save monthly as follows (savings rate): Grandfathering: $GOOG (-0,61%) (100), $AAPL (+1,02%) (50), $DIS (-2,29%) (50), $PFE (-1,36%) (50), $KO (+0,64%) (50); "regular": $VWCE (-1,4%) (currently 520 with annual 4% dynamic), $SPAG (-0,3%) (100), $WEBA (-0,51%) (100), $EXV6 (-5%) (100), $10AJ (-1,19%) (100) and - before first-time execution - (100). $SDIP (-1,39%) (100).

In addition, I have reflected certain market assessments at the respective point in time through individual purchases in country ETFs (long-term catch-up potential of the emerging markets through $HMEF (-2,86%), $FLXC (-1,67%), $FLXK (-5,19%) - $FLXI (-0,06%) was now too expensive for me and the Indian economy was not sufficiently represented by companies listed there; the sleeping innovation giant Japan through $PR1J (-0,6%), "luxury always works" even in times of inflation through $DX2G (-1,37%)Europe - especially CH and UK - as a general counterweight to the US through $VEUR (-1,65%) and the sensible Nordics by $XNZN (-1,99%)), so that there is now a colorful bouquet of ETFs. However, I am not fundamentally dissatisfied with this, especially as far as these are distributing & savings plan-capable in my ING portfolio, so that their distributions (from 75 euros) are automatically reinvested ($VEUR (-1,65%) - is so large that this could work for each of the quarterly distributions, $DX2G (-1,37%), $PR1J (-0,6%)).

I think that as long as I am still subject to my employer's investment restrictions, I will only make marginal changes to this. For a "fire and forget" portfolio, however, I could imagine switching to a 70/20/10 portfolio in the medium term. $WEBG (-1,23%), $HMEF (-2,86%), $SDIP (-1,39%) (@ING: please $SDIP (-1,39%) savings plan, thank you!). Let's see what the end of PFOF brings on the cost side, especially for savings plans.

So, that's it; thanks for your patience and perseverance. You're welcome to give me tips, but as I said, my hands are largely tied (and I don't think much of the crypto tulip bulbs until they become an actual means of payment, not just for buying sinister services on the dark web)...

Here's to a successful investment community (&thanks for having me)!

@ customer service #customer service

When is DeepDive likely to be expanded to include other ETF providers? I am thinking specifically of $FGEQ (-0,74%)
$TDIV (-0,1%)
$HMEF (-2,86%) . :-) (Fidelity / VanEck / HSBC)

Bye Bye $VWRL (-1,24%) 👎 Hello
$HMWO (-1,15%)
and
$HMEF (-2,86%) 👋

Take this @Vanguard

I have decided to discontinue my savings plan on the $VWRL (-1,24%) and not to invest any more money in Vanguard products in future. The reason is obvious: over all these years as a loyal fan, I have never received a Vanguard sweater. That's no way to treat your best customer, @Vanguard . Someone has to show you your limits 👎.

Instead, I'll be saving in HSBC products from May. Maybe I'll get a sweater from them one day 🤔🧐.

Apart from the sweater, there are a few less important factors that also influenced my decision and which I don't want to withhold from you:

A few weeks ago, I asked about ways to optimize taxes and costs on getquin: https://getqu.in/Ez0kiZ/ . Based on your answers, among others, I made the decision for the following reasons:

• 0.15% TER vs. 0.22% TER
• Splitting the portfolio across several ETFs makes it easier for me to optimize taxes in the withdrawal phase
• In the unlikely event that Vanguard screws something up, ETFs are dissolved / merged, strange laws are passed in the USA, ... the majority of my assets are not held by Vanguard alone
• That $VWRL (-1,24%) I will of course keep it, but move from Scalable to DKB. Less hassle with Scalable, less "delay risk" if Scalable goes bust, better service from DKB, ...
• For some, another reason would probably be that I now receive dividends in 8/12 instead of 4/12 months 😅
• The real benefit is of course manageable, but the effort to change the savings plans costs less than 5 minutes (research in advance has already been done anyway)

I will repeat this procedure in the future. As soon as $HMWO (-1,15%) and $HMEF (-2,86%) (which are saved at low cost with Scalable) together reach the size of the $VWRL (-1,24%) I will save in one (or two) new ETFs. Distributions will only be reinvested in the ETF I currently hold. Rebalancing between $HMWO (-1,15%) and $HMEF (-2,86%) will not take place, as I will not swap winners for losers (besides, I'm lazy). The savings rate will remain constant for both (90/10).

Of course, the whole thing only makes sense above a certain portfolio size. For 10k in $VWRL (-1,24%) I wouldn't even invest the 5 minutes it takes to convert the savings plan 😅.