Having been a more or less silent reader here for a few years now, I would like to introduce myself, my investor history and my goals. I would also be pleased to receive portfolio feedback.

About me: 31, married for 6 years, Dinki (double income, no kids), savings rate currently approx. 1200€ (my wife invests a similar amount separately), live in a condominium with a garden that has not yet been paid off, hobbies: traveling and gardening.

If you don't want to read everything, I've divided the introduction into three chapters:

-My stock market history

-Portfolio allocation

-Targets/Plans

My stock market history

I started with the stock market in 2020 when I started my first real job. But I had no idea, no specific goals and was actually totally overwhelmed by the huge choice. As I come from a very humble background and had nothing to do with financial education, let alone wealth, it was hardly surprising. I just knew I had to do something about the nasty "pension gap". After all.

So of course I made all sorts of beginner's mistakes: trading back and forth, watching out for hypes, buying blindly, fomo, only looking at dividend yields, investing in 100 different shares with very small amounts, constantly changing my "strategy", buying the occasional unsuspecting co-note. It's amazing that I made 1-2% p.a. at all.

Then I sold all the stuff in the meantime to have money to finance our property and basically started again.

I realized that the previous approach was nonsense, as I had educated myself further in financial matters, not least because of and motivated by getquin. So I switched to a "concentrated" portfolio with a core ETF and 25 shares and a focus on dividends, a little gold and even less Bitcoin. But at the end of 2024, I also realized that managing this portfolio, if you want to do it properly (reading quarterly reports, constantly reanalyzing companies, etc.), is too time-consuming for these relatively small amounts.

So I decided to leave out the individual shares. At the same time, I read a lot and took the articles on strategy diversification and asset diversification to heart. It simply couldn't have been ACWI Buy and Hold. At that time he published @Epi published many articles on his 3xGTAA strategy, which was well explained and researched with a lot of effort and really tested something that I could also imagine for my portfolio. So the Wikifolio came at just the right time for me.

In this respect, I have divided my portfolio as follows since January 2025 (new start also in my Getquin portfolio):

Portfolio allocation

30% 3xGTAA

25% gold

25% Equities ETFs

20% Bitcoin

The rather large number of ETFs is due to the fact that I like to have ACWI 50/50 Eur-hedged and unhedged in order to be less exposed to currency fluctuations ( $SPP1 (-0,17%) and $SPYY (-0,23%) ). The $IWDA (-0,29%) still comes from 2021, into which my capital-forming benefits flow. $XNAS (-0,17%) is fed by the cashback from the Traderepublic credit card. It's kind of nice to see what happens to that little bit of cashback every month.

Overall, I think this portfolio is sufficiently diversified and concentrated in terms of strategies and asset classes. In addition, the return should be well above pure ACWI buy and hold and yet not have extreme drawdowns like this one. It is important to me to have various uncorrelated asset classes, but still have a strong overall return.

Bitcoin $BTC (+1,28%) does harbor risks for deep drawdowns, but also opportunities. I myself consider Bitcoin to be an extremely good store of value that will see further adaptation.

Gold $965515 (+2,41%) has a very high share due to its low correlation with other assets. This level will be maintained for at least another six years, as the final installment for our property of around €30,000 will then be due. If the stock markets/Bitcoin/3xGTAA are at a low at that time, the final payment can be covered by the sale of gold alone.

Goals/plans

Without goals, of course, everything is nothing. We would like to pay off our property in the short to medium term (approx. 6 years to go). The amount of the final installment should come from my portfolio. Depending on how the assets are doing, we will sell accordingly. Due to the rather high savings rate, I don't see any risk of not being able to raise 30,000 in 6 years, which is why I won't save this sum in cash. The risk of losing money seems higher to me if the money is not invested for this time. Special repayments are not an issue, as the interest rate is 0.8%.

Once the rather high monthly installments are gone and 1-2 promotions are added (the first one will be next year), the wealth accumulation will really take off. Low costs and high income will be an incredible lever.

In the medium to long term (10 years+), the portfolio will be used to be away from Germany for at least part of the year, preferably in winter. Depending on how things go in Germany, perhaps even longer or permanently. Ideally without having to rely on earned income. In any case, we have already chosen a country for this and have already traveled extensively. We haven't yet decided whether we want to buy one (or more) properties there, but there are many indications that we will.

Basically, there is no target amount that I am chasing, the aim is to accumulate as much wealth as possible over the next few years with a fixed strategy in order to become as independent as possible.

Thank you for all the great contributions over the last 5 years, many of them have helped me a lot, made me think and research and ultimately turned a clueless beginner into a slightly less clueless beginner. And if you like: please roast my portfolio :)

Dear Community,

At the end of the year, I would like to share my portfolio and my strategy with you.

I am 38 years old, have been in the stock market since 2024 and am aiming for financial freedom at the age of 58. Time will tell whether that will work out... 😉 I'm not investing to maximize my profits, but to be able to live a relaxed life in the long term. To this end, I have deliberately separated my investments into two portfolios with a clear purpose.

Portfolio 1 - Growth (ING)

$VWCE (-0,28%) , $XNAS (-0,17%) , $WGLD (-0,34%) and as an admixture some Bitcoin via ETP $IB1T (+4,87%) .

This portfolio is saved monthly until 58 and then remains more or less untouched.

My savings rates would be:

800€ $VWCE (-0,28%)

375€ $XNAS (-0,17%)

150€ $WGLD (-0,34%)

0€ $IB1T (+4,87%) - Position is currently at 10% and should rest for the time being

Portfolio 2 - Cash flow (SC)

Here I am investing via 2 dividend ETFs ($VHYL (-0,25%) , $TDIV (-0,13%) ) and selected quality stocks to build up a steadily growing cash flow. All distributions are reinvested equally in the ETFs. Furthermore, a small cushion is built up here via $XEOD (+0,02%) is built up here.

My savings rates would be

250€ $XEOD (+0,02%)

200€ $VHYL (-0,25%) - Start January 26

200€ $TDIV (-0,13%) - Start January 26

425€ Individual assets (as required, no savings plan, no obligation)

My individual stocks:

Allianz $ALV (-0,18%)

Munich Re $MUV2 (-1,9%)

Procter & Gamble $PG (-0,66%)

PepsiCo $PEP (-1,3%)

Johnson & Johnson $JNJ (-0,39%)

Novo Nordisk $NOVO B (+1,22%)

Lime $LIN (+2,32%)

ADP $ADP (+0,86%)

Waste Management $WM (+1,55%)

Siemens $SIE (-3,71%)

Accenture $ACN (+1,02%)

Alphabet $GOOGL (-1,03%)

Itochu $8001 (+2,34%)

visas $V (-3,02%)

No speculation, no trading. For most people here, extremely boring... 😴 But hopefully the selection will bring some stability to the portfolio in turbulent times. 😉

For the time being, we will stick with these stocks and gradually buy more when good opportunities arise. Each individual position will of course be capped later and should make up between 2-3% of the portfolio (including the proportion within the ETFs). Alphabet would be an exception.

The reallocation idea

Nothing is invested from 58. The plan is to reallocate around 5 % annually from custody account 1 to custody account 2. In this way, growth is gradually converted into cash flow - without significant erosion of assets. And in the best-case scenario, my growth portfolio can continue to grow. I consciously accept taxes 😉

Thank you for reading and have a successful 2026.

P.S. My allocation doesn't fit yet because I've been focusing more on my individual stocks in recent weeks. Chart is also not meaningful because of ING Autosync and Itochu split 🥲

I am 32 years old and have been investing in the stock market for 3 years. I was already able to break my annual target of 30K in July 🚀

Savings plans regularly flow into the $VWCE, $XNAS (-0,17%) and $BTC.

The same thing happens again and again: Stocks like Novo Nordisk
$NOVO B (+1,22%) or UnitedHealth $UNH (+3,13%) lose a lot of value and suddenly everyone senses a great opportunity to get in. "Now the share is cheap!", they say. But be careful: a falling share price does not automatically make a share attractive.

There are almost always reasons for share price falls. In the case of UnitedHealth, for example, political risks and growing competition in the healthcare sector are causing uncertainty. At Novo Nordisk, the hype surrounding weight-loss drugs is being held back by real supply problems and high valuations.

Many investors are buying into the falling knife because it looks like a "bargain" but price does not equal value! A company that costs 30-60% less today can still be too expensive if the prospects are poor.

👉 Instead of betting on individual stocks, broadly diversified ETFs such as the FTSE All-World $VWRL (-0,13%)
$FWRG (-0,16%) provide a better balance of risk and return:

- More than 3000 companies

- Cross-sector - tech, pharma, industrials, consumer, financials, etc.

- No cluster risk: if one company stumbles, others pick it up

- Proven Long-term return of 6-8 % p.a. over decades

Additional tips from the Lord:

If you are still looking for excess returns or additional diversification, get 2-3 more satellites such as Bitcoin $BTC (+1,28%) , gold $ZGLD or a Nasdaq Etf $XNAS (-0,17%).

Conclusion:

Buying cheap is good, but only if you know what you are actually buying and not because the price was there once and has now fallen by a few percent. This is not the way to strong returns in the long term, but only entertaining gambling fantasies. Better go to the casino for that! Individual stocks can dazzle in the short term, but disappoint in the long term. An all-world ETF is boring but exactly the opposite in terms of returns.

Thanks for reading your Sith Lord Vader!

#etfs
#crypto
#growth
#personalstrategy
#ETF
#Investieren
#FTSEAllWorld
#Finanzbildung
#LangfristigInvestieren
#Vermögensaufbau

#FinanzielleFreiheit
#BuyAndHold
#Diversifikation

#Geldanlage

I'm due to make an annual adjustment to my savings plans.

I have the following picture in mind:

Category
ETFs
Monthly share (total: 630 €)

1) Global broad (Core)

$VWRL (-0,13%) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (-0,25%)
$EUHD (-0,4%) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (-0,17%)
$XNGI (+0,12%) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (-0,2%)
$WSML (+0,88%)
$IEEM (+0,1%) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-0,34%) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)