Today was the day: the last investment in 2025 was made.

I used part of my 13th salary to get a little closer to my target weighting again. That's the end of the year for me - at least as far as investments are concerned. ☺️

On the last day of the year, there will be a kind of year-end closing, where all accounts will be cleared and any surplus money will be transferred to the clearing account. However, as this sum will only be invested in January after the holidays, this savings plan will be my year-end closing.

I'm really looking forward to an investment-rich 2026! 💰

We add a little more $VWCE (-0,31%) to the overall portfolio. Today about €15,000 in this ETF.

Hello dear community,

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

• 50 % $VWCE (-0,31%)
• 
  10 % $SEMI (+0,06%)
• 
  10 % $INRA (-0,62%)
• 
  10 % $CEBT (-0,1%)
• 
  10 % $ESIF (+0,49%)
• 
  10 % $IGLN (+0,39%)

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! :)

From next year (September 2026), I will be self-employed full-time as an occupational therapist. As part of this, I would also like to restructure my investment portfolio so that it suits my long-term goals and supports me in my financial independence.

My current plan:

I would like to run a savings plan separately in a separate account, which is intended solely for retirement and should not be touched. I'm currently thinking of the FTSE All-World Acc $VWCE (-0,31%) , i.e. accumulating, to make the most of the compound interest effect.

Open questions concern my main portfolio:

I am currently using this more generally to build up assets and utilize the tax-free allowance. From 2026, I expect to receive around €100 net per month in dividends.

I am now considering how to proceed:

Should I specifically expand the existing portfolio with more shares?

Or would it be better to add an additional ETF?

Or would it make sense to combine a pension and share portfolio and save everything in one account?

Another idea would be to save in the FTSE All-World Dist $VWRL (-0,07%) instead of the accumulating variant in order to see the dividend performance directly and thus build up a long-term growing additional income.

I would be interested to know how you would handle this - especially if you are also self-employed or in a similar situation.

🔍How would you build and structure the portfolio?

#etfs
#crypto
#dividends
#growth

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Dear Community,

After reading all the posts with great enthusiasm, I would like to hear your opinion on my portfolio today.

A few words about me:

I am 27 years old and bought my first share around 2019. Since then, I've unfortunately made a few mistakes and made a mistake ($KER (-2,17%) , $NOVO B (-0,57%) , $PUM (+2,94%) ). At that time, I unfortunately always had the approach that if it had fallen sharply, it had to go up again at some point...

That's why I've now increased my ETF holdings somewhat. The idea is to build up the portfolio mainly with ETFs and to improve the return with a few shares. However, I'm not really satisfied with the return yet...

I currently invest €3100 a month together with my partner, mainly in the $IWDA (-0,18%) and $VWCE (-0,31%) .

500€ flow into $BTC (+2,47%) .

I am looking forward to your opinion.

P.s.: I am aware that the stocks in the MSCI world, ftse world and s&p are duplicated. There are historical reasons why they are in my portfolio and they don't bother me at the moment.

Dear community, I currently have 50k in cash and am thinking out loud about what to do with it. In the long term, everything should be invested. Basically, I am a conservative investor with a preference for dividend stocks.

I want to use about 10k€ for risky investments. If it goes well, I'm happy, if it goes wrong, I keep my hands off it.

There are currently no shares that seem really attractive to me

That's why I'm thinking about it:

Option 1:

Cash is king and I'll wait for the next correction to strike then

In the meantime, I could park my money with TradeRepublic at 2% interest.

Option 2:

$VWCE (-0,31%) and 10%-20% gold

I am looking forward to your opinion and am open to ideas, suggestions and feedback...alternatives are also welcome

Just got 1k free in my 15k portfolio. Currently in $AMZN (+0,42%) or $VWCE (-0,31%) reinvest, what do you think?

Thank you