So... Portfolio completely reorganized ... let's see if the optimization brings something....

• $SC0J (+2,01%)
• $EIMI (+5,08%)
• $EWG2 (+0,65%)
• $BTC (-1,25%)
• $WSML (+2,08%)
• .......

Hi, I'm in an "ETF conflict" 😅 I've been saving in three ETFs for some time now: $EIMI (+5,08%) and the distributing $VHYL (+1,27%) .

However, the largest of the three ETF positions is by far the $IWDA (+2,02%) - somehow I've not been so happy with it for a while now and I'm wondering whether it makes sense to move everything from this ETF into the $VWRL (+2%) or simply move the savings amount into the $VWRL (+2%) from now on...or just stick with the $IWDA (+2,02%) because it won't make much difference in the end? 🤔

Hello dear Getquinners,

I started investing in securities at the beginning of the year.

For many years, we parked our assets in call money accounts, which meant that we lost money for years due to high inflation with (negative) compound interest effects. I now want to change this and have therefore decided to invest some of our assets in the capital market.

We are a family with two small children (aged 1 and 4). We parents are in our mid-30s and in the middle of our working lives.

My goals/hopes are:

• long-term investment >10 years and more
• Inflation protection and (real) asset accumulation beyond overnight interest rates
• If necessary, partial transfer of assets to help the children get started when they come of age

As I don't want to gamble, it should be as "simple" as possible to handle and I am not a daredevil, I have created a "boring" ACWI-IMI portfolio.

We have invested around 60%, the rest is free liquidity, which would last for around 12-14 months without income given our current cost of living. A little conservative perhaps, but that's a start. I also don't want to get scared if the markets take a nosedive.

This is how it looks:

75% core:

• 55% MSCI World $IWDA (+2,02%)
• 10% MSCI World Small Cap $WSML (+2,08%)
• 10% MSCI Emerging Markets IMI $EIMI (+5,08%)

8.5% Precious metals

• Physical gold $IGLN (-0,35%)

15% Satellites with approx. 2% each

• $IB1T (+1,91%) Bitcoin share with high opportunity and high risk. Personally, I am not yet completely convinced of this position, I see the "intrinsic" value of a (this) digital currency as being confronted with major environmental problems and am therefore critical. On the other hand, it is supposed to be "digital gold". We will see in the future what is true and what is not...

• $SEMI (+6,81%) and $XDWT (+2,43%) I believe in the AI boom and growing markets in digitalization, and see growth opportunities there, but also risks. Naturally increases the USA share in the portfolio...

• $$DFEN (+1,3%) : Anti-cyclical position in the current increasingly global conflicts. Defense spending is rising worldwide...

• $WMIN (+3,35%) and $RARE (+4,68%) as a commodity mix in basic materials. See this as an opportunity with risk, but perhaps this also reacts anti-cyclically to weak markets

• $GERD (+1,6%) as a personal experiment, as I have read and heard a lot from Gerd Kommer. Can be seen as a core holding, perhaps as a benchmark to the core. I wanted to give it a try.

I also toyed with $WNUC (+4,74%) but I have to think about whether I really want to invest in nuclear technology (personally subjective thing...). I also read and follow 3XGTAA with interest, but that's too risky for me (for now), for now I'll stay in the World fairway...

Monthly savings installments go equally into the core. I plan to rebalance once a year during the Christmas vacations.

I read a lot in the community and regularly follow the posts. Time and again I also read negative statements about sector and industry bets.

I would be interested to know what you think of my portfolio and why some of you think that sector and sector bets are bad.

Thank you for your feedback and for your consistently excellent contributions to the community!

Good morning and have a nice weekend.

I have noticed for some time that two of my positions

$TDIV (-0,41%)

$SGBS (-0,04%)

have price movements outside trading hours and also at the weekend.

I am of the opinion that this did not exist in 2025, at least not at the end of 2025.

There was no movement at night or at the weekend.

In contrast to

$IWDA (+2,02%) and

$EIMI (+5,08%)

they have no movement.

Is this new since 2026, or have I missed something?

Yours sincerely

Carsten

Hello dear people.

I have reallocated a bit of the $TDIV (-0,41%) profit.

and utilized the lump sum to the extent that the dividends from the $TDIV (-0,41%) use up the rest.

Kind regards

Carsten.

Hello everyone,

It's hard to believe, but my journey on the stock market began in January 2021 - that means I'm celebrating my 5th anniversary! Behind me lies an extremely instructive time in which I (like so many others) have learned a lot. Today I would like to share my learnings and my new setup for 2026 with you.

1. my mistakes: the hunt for perfect timing

My history includes countless purchases and sales. My biggest mistake? I tried to time the market. Unfortunately, the result was classic: often getting in at the wrong time and - even worse - selling out of impatience or panic, only to watch the stock take off shortly afterwards. Unfortunately, the bottom line for me was that individual share trading was not successful.

2 The new portfolio: Focus & Structure

I made a radical change. Away from the hectic back-and-forth and towards a solid foundation.

My core now consists of buy-and-hold ETFs:

- $VWCE (+2,33%) (Vanguard FTSE All-World)

- $TDIV (-0,41%) (VanEck Developed Markets Dividend)

- $EIMI (+5,08%) (iShares Emerging Markets IMI)

Supplements:

Cryptos: Continue to have a large weighting in BTC.

Precious metals: Just under 5-7% in gold and silver as an anchor.

Berkshire Hathaway: My only "single share" to reduce my remaining share loss pot of around €1,000 in a tax-efficient way.

Momentum strategy: I am fascinated by the model of @Epi. The first tranche is in place, another €4,000 is ready at Smartbroker+. As February and September are statistically often weaker months, I plan to use the next setback in February to make a further entry. A small portion may also be transferred to @Krush82 's Wikifolio.

3. psychology: the problem with loss aversion

Loss aversion is a term that has influenced me a lot in recent years. In psychology, this describes the tendency for us to perceive losses much more painfully than gains of the same size make us happy.

This is precisely my problem: although I know rationally that I am investing for the long term, sideways phases or red days have far too strong a mental impact on me. I look at my portfolio too often - even if I don't change anything - and let it spoil my mood. My goal for 2026: Less screen time, more trust in the process. Rationally, I don't care about the short-term noise, and I need to work on that.

4. my savings plan setup

To take out the emotions, I automate everything:

- Weekly: 300€ VWCE | 30€ TDIV | 20€ EIMI | 20€ BTC

- Every 2 months: 100€ gold | 75€ silver

I also treat myself to a small "gambling portfolio" (€4,000) for high-risk stocks. The motto here is clear: either a total loss in 5-10 years or the next tenbagger. This keeps the gambling instinct away from the main portfolio.

How do you deal with daily volatility?

Do you also have strategies to beat the "app addiction" in bad market phases?

I look forward to your feedback! 📈

Hello dear community,

I would like to hear your opinion on my portfolio. Criticism, suggestions or even positive feedback - everything is welcome.

I am planning to restructure my portfolio this year.

My aim is to further expand the core and to reduce or completely close some individual positions. Small remaining positions such as $HUT (+15,71%) Hut 8 (up over 500 %, but only around 10 shares left) I would like to sell completely in the near future. I am also considering closing other individual stocks and reallocating the capital to the core.

Would you say sell the dividend stocks like $O (+0,19%) , $KO (+1,15%) and $MAIN (+0,1%) etc. and invest in $MELI (+1,28%) , $ISRG (+2,4%) , $MA (+0,75%) or e.g. $PANW (+1,34%) which will most likely perform better over the next few years... ?!

But I would also be open to riskier stocks, so to speak high risk - high reward, which I am now also trying out with $AML (+4,2%) for example. Bought on Friday... ☺️ (A "gamble")

Currently my core consists of $IWDA (+2,02%) MSCI World, $EIMI (+5,08%) MSCI EM IMI and the $TDIV (-0,41%) VanEck ETF. With the VanEck, however, I am considering whether to keep it or switch to a $CSNDX (+1,98%) Nasdaq 100 ETF instead - with a view to an investment horizon of around 10 years. During this period, I also plan to buy a house together with my wife. (at least that's the goal).

I also have a larger crypto portfolio, which is not deposited with GetQuin, as it is unfortunately not displayed correctly with Bitvavo here on the site. There is currently significantly more capital in crypto than in ETFs and shares. I entered the crypto market at the beginning of 2023 and had more than doubled my portfolio by the end of 2024: around €75,000 became around €175,000 at times.

However, I only realized a few profits and left the majority invested. In the meantime, the portfolio has shrunk considerably again as 2025 was really shitty for crypto (especially altcoins, of course) and is currently even in the red.

However, I assume that Bitcoin will perform better again this year and reach a new all-time high. If that happens, altcoins should also follow suit, so I hope to see decent gains there again.

Now to my questions for you:

Would you change anything about the ETF core?

$TDIV (-0,41%) Keep it or rather switch to a Nasdaq-100 ETF? And get more return (boost)?

Which individual stocks would you rather keep and which would you rather sell?

I am 38 years old and my goal is to buy a house in the next 5-10 years.

Thank you very much and I look forward to hearing your opinions!

Greetings Chris

A brief look back:

I started investing 5 years ago (still 23 years young at the time).

At the time, I was still in the final stages of my dual studies when Corona suddenly hit.

My original plan to buy my own car was quickly changed to a loan-financed purchase.

The 17k that became available went public in April 2020. Looking back, there was probably no better time.

First learning:

The father of my current fiancée advised me to invest in 50% Msci World $IWDA (+2,02%) and 50% Dax $DBXD (+3,41%) to invest. This in the form of two ETFs.

Without any knowledge of the stock market, I went to my bank (Sparkasse) and told the advisor that I would like to invest in the two ETFs mentioned and open a custody account for them.

I was presented with two funds. Deka Champions and DWS Dax or something like that.

When I asked her that these were not ETFs but funds, she simply said that the benchmark was the same and that the nice saleswoman would also invest in the products mentioned.

So 10k was invested. The 3% and 4% issue and sales charges were thus paid.

Later, after I got to grips with the stock market, these were liquidated and I switched to Smart Broker for individual shares and Trade Republic for ETFs.

2nd learning what goes up can also go down:

One of my first stocks was $KO (+1,15%) and $ALV (+1,89%) the good $ETSY (+0,02%) . EK was 53€ and about 1.5k was invested.

Etsy went up to 110€ and I made my first 50% partial sale ever. Etsy rose to 240€ and nothing was done on my part. Etsy sinks to 90€ and I got back in with the partial sale. Etsy was finally sold completely at 70€.

My first learning on individual stocks was followed by the second. FOMO:

Cannabis = Bevcanna Enterprise 1.5k invested 99% loss

Independent mining corp. = 1k invested sold with 60% loss.

Today I am very thankful that I only paid 2k in tuition fees. I seriously believe that it saved me from bigger losses in the following years.

3rd learning:

An investment in a pure ETF $VWRL (+2%) from the beginning would have given me almost 15k more return by 2024.

I spent 2022 to 2024 reducing a difference of almost 20k, from mistakes made in 2020 and 2021, to my what if portfolio (ETF only). In 2025, however, I settled the amount for the first time to now plus minus zero through my portfolio outperformance.

4th learning:

In all this time, I have been studying the stock market in depth. I don't think I would have gone long with a pure ETF. All the non-fiction books, conferences, streams and videos have also given me a more comprehensive understanding of world events beyond the stock market. I have also made a noticeable change on the subject of money. And no, I don't turn over every penny. My savings ratio is 50% consumption / vacation and 50% retirement provision.

My latest learning:

Being debt free at 29 and having 100k gives you peace of mind. You shouldn't live your 20s in complete consumption, but you shouldn't oversleep either. My trips around the world to Asia, Central America, Europe and Africa, some with friends, some with family, have brought me more than just money.

But everyone is different. I am happy to have taken the middle path.

I have now increased my initial savings rate of €400 per month to €840. However, the €800 for vacations and consumption are just as important to me.

Thoughts on my current portfolio:

Trade Republic:

About the ETFs $IWDA (+2,02%)
$EIMI (+5,08%) and $XSX6 (+3,27%) I don't have to say anything. This is my core investment.

$SGBS (-0,04%) and $GDXJ (+2,92%) are my way of diversifying with gold. When I added gold to my savings plan on December 31, 2024, both positions almost automatically reached the 5% weighting.

What is new $VNA (+4,41%) . I selected these at the end of 2025 together with $O (+0,19%) for my 10% weighting in the real estate sector. For me, Vonovia is wrongly valued too much as an interest rate bet. Fundamentally, there is a lot right with the exception of the debt. I hope for a nice turnaround and even if not just under 6% dividends are very attractive.

As my individual stocks have performed very strongly, my allocation has become unbalanced. The goal is 50% ETFs, gold, real estate, cash and 50% individual stocks.

I won't say anything about my individual shares so as not to prolong the article too much.

Except:

$ALV (+1,89%)
$BATS (+1,4%)
$SHEL (-3,3%)
$GOOGL (+3,05%) are long-term stocks

$AAPL (+1,68%)
$BABA (+4,17%)
$1211 (+2,42%)
$EUZ (+0,45%)
$AXON (+4,14%) medium-term

$OXY (-5,45%)
$ARM (+2,74%)
$UNH (-1,21%) short term bets

and unfortunately I can't get the tracking 100% correct. Getquin crashed in March, which is why only Trade Republic is displayed as the previous value and Smart Broker as the capital invested in March / April.

In addition, due to the change of custody account Sparkasse -> Smart Broker -> Smart Broker plus -> Trade Republic (Etfs sorted out) I had no power to enter everything since 2020

Happy New Year, everyone! Peter Griffin here. 🍺

New year, new luck for my portfolio. My strategy for my core ETF holding is: 90% MSCI World and 10% Emerging Markets IMI.

But when I looked in at the start of the year... damn! My emerging markets allocation was far too low and far away from 10%. The portfolio had lost ground!

So I traded directly on January 5 to get everything back on track:

👉 12x $EIMI (+5,08%) - here I added a lot more.

👉 1x $IWDA (+2,02%) - just a small position.

With this purchase I have increased my rebalancing and am back to my clean 90/10 allocation.

Now the whole thing looks "freakin' sweet" again.

How are you starting 2026?

Here's to a green 2026! Hehehe.