$IWDA (-0,17%)
$CSPX (-0,12%)
$EIMI (+0,04%)
$CSNDX (-0,06%)
$ISAC (-0,24%)
$VUSA (-0,19%)
$HMWO (-0,17%)
$XDWD (-0,17%)
$SPPW (-0,46%)
$WSML (-0,3%)

President Trump shakes hands with Chinese President Xi Jinping.

"He is a VERY tough negotiator. That's not good!" 🤣

"Nice to see you again!"

"We're going to have a very successful meeting!"

"We have ALWAYS had a great relationship."

Chinese President Xi Jinping says he is happy to finally meet President Trump.

"It's very nice to see you again! It's been many years. Since your re-election, we have spoken on the phone three times, exchanged several letters and stayed in close contact."

"Given our different national circumstances, we don't always see eye to eye. It's normal for there to be friction between the world's two leading economies."

"In the face of winds, waves and challenges, you and I, who are at the helm of Sino-US relations, should stay the right course and ensure the steady progress of these relations."

Chinese President Xi Jinping declares President Trump the PEACE PRESIDENT of the whole world!

"Mr. President, you care deeply about world peace! You are deeply committed to resolving regional conflicts. I greatly appreciate your significant contribution to the ceasefire in Gaza."

"During your visit to Malaysia, you witnessed the signing of the joint peace declaration along the Cambodian-Thai border, to which you also contributed."

Reading time: approx. 10 minutes

The last article was about leveraged daily ETFs - in other words, about momentum, short-term market movements and strategies where timing is crucial. Today it will be much quieter. It's about what remains when markets fluctuate and hypes fade: the fundamentals.

This article is aimed primarily at beginners and is intended to help them find their way through the ETF jungle - to understand which products are truly global, how they differ and how to build a stable core portfolio.

After all, long-term wealth accumulation does not start with the search for the highest return, but with a solid core. In my case, this core consists of three pillars:

• $ISAC (-0,24%) (iShares MSCI ACWI UCITS ETF) - as a global equity building block
• $BTC (-0,14%) (Bitcoin) - as a diversifying, asymmetric building block with its own risk profile
• $SEGA (-0,43%) (iShares Core Euro Government Bond ETF) - as a defensive counterbalance on the bond side

These three positions form the backbone of my portfolio. The rest - i.e. rotation strategies, thematic investments or leveraged products - complement the foundation.

Why an ETF comparison is important

"World ETF" sounds like global diversification. In practice, however, many of these funds only cover industrialized countries. The difference between $XDWD (-0,17%) (iShares MSCI World UCITS ETF), $ISAC (-0,24%) (iShares MSCI ACWI UCITS ETF) and $VWCE (-0,08%) (Vanguard FTSE All-World UCITS ETF) is not a marginal detail, but crucial for your own investment strategy.

Anyone who understands these differences quickly realizes how much the selection of the index determines the actual distribution in the portfolio - and how much "world" is actually in your own ETF.

The $ISAC (-0,24%)
(iShares MSCI ACWI UCITS ETF)

The $ISAC (-0,24%) tracks the MSCI All Country World Index - around 2,800 stocks from 47 countries, covering around 85% of global market capitalization.

Regional breakdown (as at October 2025):

• USA: approx. 65 %
• Europe: approx. 15 %
• Asia (incl. Japan & China): approx. 10%
• Emerging markets: approx. 10 %

This combines the $ISAC (-0,24%) industrialized and emerging markets in one product - exactly what many investors replicate themselves with two ETFs (MSCI World + MSCI Emerging Markets).

The total expense ratio (TER) is currently 0.20% p.a. - extremely favorable for a global fund of this breadth.

I use it as a core building block because it combines global diversification with simplicity: one ETF, one decision, global participation.

$ISAC (-0,24%)
vs. $XDWD (-0,17%)
(iShares MSCI World)

The $XDWD (-0,17%) (iShares MSCI World UCITS ETF) only tracks 23 industrialized countries - no emerging markets, no China, no India. It contains around 1,500 stocks and is heavily dominated by the USA.

The $ISAC (-0,24%) (iShares MSCI ACWI UCITS ETF) expands this base to include 24 emerging markets and thus has around 2,800 stocks. This means:

• $XDWD (-0,17%) is more focused, somewhat more stable, but limited to mature markets.
• $ISAC (-0,24%) is broader, more future-oriented and contains more growth markets.

In recent years, the MSCI World has been slightly ahead because the emerging markets have underperformed. In the long term, these phases tend to even out - and this is precisely where the ACWI shows its strength: It automatically grows with the global economy, even if the regional focus changes.

$ISAC (-0,24%)
vs. $VWCE (-0,08%)
(Vanguard FTSE All-World)

The $VWCE (-0,08%) (Vanguard FTSE All-World UCITS ETF) is the best-known alternative to the $ISAC (-0,24%) . It also combines industrialized and emerging markets, but according to the FTSE index methodology and with around 4,000 shares - i.e. somewhat broader.

Both funds fulfill the same purpose: global coverage in a single product. The differences lie in the details - for example in the country classification (e.g. South Korea is listed as an industrialized country in FTSE, but as an emerging country in MSCI).

The performance is also almost identical. The TER of the $VWCE (-0,08%) at 0.19% p.a. is even slightly lower than that of the $ISAC (-0,24%) . Both funds therefore offer an almost equivalent opportunity to invest globally over the long term.

Concentration in the $ISAC (-0,24%)

Despite its breadth, the ACWI is also concentrated on a few heavyweights. The top 5 positions account for around 18% of the fund (as at October 2025):

• $NVDA (+3,54%) (NVIDIA)
• $AAPL (-0,67%) (Apple)
• $MSFT (+1,5%) (Microsoft)
• $GOOG (-2,14%) & $GOOGL (-2,08%) (Alphabet)
• $AMZN (-1,16%) (Amazon)

This shows how strongly the US technology sector shapes the global markets. This weighting is not a disadvantage, but a true reflection of global market capitalization. I consciously accept this structure, but balance it out with my other core components: $BTC (-0,14%) (Bitcoin) as an uncorrelated asset and $SEGA (-0,43%) (iShares Core Euro Government Bond ETF) as an anchor of stability.

Five-year performance (as at October 2025)

• $XDWD (-0,17%) (MSCI World): + 90 %
• $ISAC (-0,24%) (MSCI ACWI): + 84 %
• $VWCE (-0,08%) (FTSE All-World): + 83 %

The differences are manageable. The MSCI World benefited more from the dominance of the USA, while $ISAC (-0,24%) and $VWCE (-0,08%) are more broadly based. This global diversification can lead to more stable returns in the long term because it is less dependent on individual markets.

What newcomers can take away from this

In my opinion, an ETF is often sufficient. A global fund like the $ISAC (-0,24%) covers almost all markets - ideal for getting started.

Keep an eye on costs. A TER of 0.20 % is very favorable for this breadth.

Global means USA-dominated. Around two thirds of the fund comes from the United States - and that is currently the market reality.

Simplicity is an advantage. Those who manage fewer products remain more consistent in the long term.

Time beats actionism. The compound interest effect unfolds its power over years - not months.

The $ISAC (-0,24%) (iShares MSCI ACWI UCITS ETF) is the centerpiece of my portfolio. It stands for breadth, simplicity and global participation - and realistically reflects the global economy.

Together with the $BTC (-0,14%) (Bitcoin) - which not only brings potential returns but also diversification to the portfolio - and the $SEGA (-0,43%) (iShares Core Euro Government Bond ETF) as a defensive counterpart, a robust core setup is created that covers all dimensions: Growth, stability and risk diversification.

The rest - thematic or individual investments, rotation strategies or leveraged ideas - completes the foundation.

Questions at the end:

• How do you structure your core?
• Do you use an all-in-one ETF like the $ISAC (-0,24%) or do you prefer to combine your own with $XDWD (-0,17%) and emerging markets?
• And what role does $BTC (-0,14%) diversification, return or both play for you?

Hello everyone,

after some time on this platform, I would now like to document and share my financial journey here with you, like many others, to motivate and support each other 🚀

That's why I'm putting myself and my experiences so far together for you.

About myself 🙋‍♂️

I am 22 years old and currently studying medicine in my 5th semester. But let's take things one step at a time.

From an early age, I was fascinated by the idea of turning what was initially little into more. Even at elementary school, I loved doing various swaps with Lego figures, Panini stickers or soccer cards.

My first experiences with real markets and tradable values came later in my youth with the computer game Counter Strike Global Offensive.

Roughly speaking, there were so-called "skins" that changed the appearance of the weapons you played with. The special thing about it was that these skins could also be swapped between players and thus bought and sold for real money. Back then, skins increased in value over time due to the increasing number of players worldwide and I was able to make several hundred euros in profit. And someone tell me again that "shooting games" are evil!

When I turned 18, my parents gave me a payout from an ETF portfolio that they had been saving €50 in since I was born. I was therefore in the very fortunate position of having assets of around €18k at a young age.

This was pretty much at the same time as I graduated from high school, after I started a dual study program in business informatics at Otto, where I was able to set aside around €800 net per month. After talking to my parents (mainly my father) and watching various Youtube videos from Finanzfluss, I decided to invest the money in ETFs $IWDA (-0,17%) respectively $XDWD (-0,17%) to invest. So I opened my first own securities account with Trade Republic.

After the first few months at the company, however, I realized that the work wasn't fulfilling me and, as I had previously wanted to study medicine, I wanted to go in a different direction. So I only stayed at Otto for a little longer than six months.

After preparing for the medical test, a nursing internship etc., I started studying exactly 2 years ago and, despite the really long days in the library, it's still a lot of fun! I had to learn quite quickly that it takes a lot of discipline to get through my studies well, but I think that this discipline will also help me to achieve the goals I set myself later in life.

At the moment, my parents are still supporting me by paying my rent and covering the costs of my daily needs. I also work alongside my studies on a part-time basis with a somewhat variable income, which allows me to invest around €400 a month.

I think that's enough about my life story so far 😅

Now to my current investment strategy 📈

My current goal is to achieve a better return than the S&P 500 and I would like to take this opportunity to thank you for that @Multibagger
@Tenbagger2024 and @Aktienfox for your valuable contributions and inspiration.

What do I do to achieve this excess return?

• 30% ETFs as a stable core, which is fed with monthly savings plans
• 70% in riskier individual stocks
• Not tracked on quin: approx. 4k euros in skins in Counter Strike

As I am still very young and, due to my career choice, expect to earn a relatively solid income (which is of course not guaranteed), I believe it is currently worth taking on more risk.

I would also be prepared to invest 100% in individual shares, but I don't yet know exactly which shares and what position size. I think if you want to beat the market, it doesn't make sense to hold 30% in global ETFs.

However, I am also aware that $HIMS (+0,22%) 50% in the portfolio is already an extremely high weighting. In the long term, I would actually like to have a maximum of 30% of the portfolio in one position. But you are very welcome to share your opinion on this.

Due to my only job as a mini-jobber, I currently have the €1000 allowance on shares, as well as the €12,000 basic allowance. This means I can realize up to €13k in tax-free profits every year until the end of my studies. This is of course an additional incentive to achieve this €13k per year :)

That's it for now. Feel free to share your thoughts and I look forward to the time ahead!

Hi, I'm 23 years old and this is my portfolio at the moment. I make the following monthly savings plans:

$MEUD (-0,13%) 125€

$XEMD (+0%) 50€

$TSWE (-0,2%) 100€

$XDWD (-0,17%) 175€

I have now considered whether I should add 2-3 shares to the portfolio. But I'm not quite sure which ones and would like to know your opinion.

$XDWD (-0,17%) Don't sell, just let it run. Forget this ETF and look at it again in 20 years.

Good morning community,

I would like to add one or two more ETFs to my current portfolio. I have two additions in mind and would like to hear your opinion on them or whether you have any other suggestions in these areas.

Personally, I'm not the biggest fan of div. ETFs and prefer to cover this with individual stocks.

It's somehow more fun.

I am currently looking at the $XRS2 (+0,04%) as an addition to the main ETF $XDWD (-0,17%)

and as a second boring addition, but in my opinion an important component in the commodities sector $XGDU (-0,05%) (This would also be intended for eternity and only for funds that are to be parked safely).

$CSPX (-0,12%)
$IWDA (-0,17%)
$XDWD (-0,17%)

Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

• My savings rate is therefore only €300 a month
• 100€ goes into a call money account as a reserve
• 200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

• 60€ $XDWD (-0,17%) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+0,04%) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (+1,24%) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
• 20€ $SAEU (-0,18%) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

• 10€ $LIN (-2,68%) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
• 10€ $PG (-3,45%) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (-1,25%) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (-1,65%) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (-1,89%) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
• 10€ $NKE (-3,53%) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
• 10€ $WM (-1,14%) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (+1,23%) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

• $SHEL (-0,49%) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (-0,97%) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (-0,17%) I am convinced of the company, I think that Nu will have a successful future.
• $O (-1,89%) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (-0,14%)
$SOL (-0,4%)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

I'm 19 and a student, so I don't have much income at the moment.

Last week I sold my $XDWD (-0,17%) last week to reduce my USA share, as I assume that the USA will lose its supremacy, which will benefit the EU. (Hence the Dax and Greece etf).

On the watchlist are (and will probably be bought in a crash)

$PNG (+3,55%)
$EWI (+0,04%)
$EIN3 (-2,35%)
$FUR (-3,6%) (was already in the portfolio) and $SY1 (-3,83%)

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 (-0,17%)
$IUIT (+1,17%)
$CSNDX (-0,06%)
$VWRL (-0,3%)
$VUSA (-0,19%)

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 (-0,22%) and also from $JEGP (-0,16%) .

I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (-0,22%) and $JEGP (-0,16%) 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