Hello everyone,

I appreciate your feedback on my strategy.

I'm in my mid-50s and we currently put aside €2,900 every month. 1,900 goes into

$B161SX (+0%) to build up reserves. Current annual return 1.9%.

The aim here is to reach €50k in the next 20 months in order to be able to make the upcoming investments in the house.

As soon as this is achieved, I will reduce the savings in favor of the ETF's and in the next 5 years we will have paid off all debts and the free amounts will also go into asset accumulation.

Dream goal at the start of retirement 500T€UR. 😉

50% of the remaining €1,000 will go into

$UETW (+0,49%)

and 10% each in

$IS3R (+0,63%)

$IEFM (+0,54%)

$XMME (+0,17%)

$RBOT (+0,59%) and

$ISPY (+0,86%)

I want to monitor the performance of the two momentum ETFs to see whether they outperform the MSCI World and the Eurostoxx600. Over the next 12-24 months, I will then switch depending on the results.

I am still holding on to the existing individual stocks in order to sell them at a (larger) profit and have no time pressure here, even with the stocks in the red.

My price target is

$AIR (+0,91%) 240-250€

$CCL (+0,59%) at 28-30€

$LHA (+0,28%) at 9-10€

and the rest should bring 20-30% when I sell them.

This year I have still been working a lot with direct investments (currently +20% in 2025) but will continue to reduce this. The funds released will then go into the above-mentioned ETFs according to the above key.

I'm leaving out crypto, as the topic doesn't appeal to me, and commodities are too volatile for me, and gold is currently too expensive, even though many people are saying that we'll soon be at 5T€UR.

I look forward to your feedback or questions if something is unclear.

BG

I have been a silent listener since July and am delighted with your open exchange.

I myself have only been investing more intensively since January 2025, which in retrospect was not a good time to get into these stocks😅.

In the meantime, I have sold my MSCI World with a profit of approx. 9% and switched to MSCI World ex USA and $XMME (+0,17%) regrouped. As I also have a high proportion of S&P 500 $CSPX (+0,42%) have.

I also have a disproportionately high holding in India ETF $QDV5 because I believe in its long-term growth.

I currently only have a small savings rate (wife on parental leave, 2 children and a house - you still want to live 🤣) in Micrsoft and will add Bitcoin from next month.

I have similar portfolios with a monthly savings rate for both kids.

I'm always open to ideas or suggestions

VG

I am currently of the opinion that I am in a good position with my investments for the current status. (approx. 1 year of investing)

Now to the individual stocks! 🧐

My main ETF $IWRD (+0,55%) :

Currently, the iShares MSCI World is my biggest stock - but also my biggest problem (at least in my opinion). It's currently too much of a cluster risk for me, as I'm invested in North America with around 55%. 😣

My second ETF $XMME (+0,17%) :

I try to minimize this cluster risk with this ETF. 70/30 strategy... 😛

The China giant $1810 (-0,57%) :

As I really like the current status of the company, I am following developments with interest and the purchase price was very attractive for my financial means, I bought it. With satisfaction. Of course, I also did it to further minimize the cluster risk. So... hopefully I'll be able to sell at a profit at some point! 😇

A bigger gamble $TTWO (+0,49%) :

Well... what can you say... GTA 6 will probably blow everyone away. Of course, I'm aware it's only a small percentage, so either pay the lesson or get lucky. ☘️

My first solid stock with dividend prospects $KO (+0,19%) :

Everyone knows it, everyone has bought it. There's nothing to say about CocaCola. 🥤

My second solid div. stock $SHEL (+0,83%) :

I was able to get in cheap, the company is huge and stable. ⛽️

The bank share $DBK (+0,5%) :

I'm with DB, extremely happy with it and was able to strike it cheap at the time. So far it's done quite well and there are always a few dividends! 💰

And finally... the more or less ugly duckling $SLI (+0,7%) :

The little gamble that turned into my first doubling. One can only hope. Stability is not exactly the hobbyhorse. 🦆

And now for my future thoughts!

I am currently interested in $DTE (-0,09%) (approx. worth €300-400) and letting them run with a savings plan. On the one hand, of course, to further balance out the cluster risk and on the other hand, to somewhat delimit the Asian theme.

My next consideration is $CL (+0,24%) as it currently has an interesting entry price.

...you have all become my most valuable advisors here. Every day you prove to me that you enjoy investing and know your stuff.

I am satisfied with my portfolio, but it is too complicated and could be simplified. That's why I'm toying with a new concept until December 2026.

My current portfolio should be streamlined by then and follow a clear long-term line. The tax burden would be devastatingly low in the event of a partial sale if gains and losses are offset against each other.

You are welcome to evaluate, root for, criticize or whatever you like about the future concept here and now 😄

The plan looks like this:

41% of the portfolio size should henceforth $IWDA (+0,49%) be

10% $XMME (+0,17%)

10% $WSML (+0,57%)

8,5% $GGRP (+0,51%)

8,5% $TDIV (+0,47%)

7% $CSPX (+0,42%)

5% $BTC (+1,67%)

5% $EWG2 (+0,93%)

5% $XEON (-0%)

I would sell the FTSE, the other dividend ETFs and the individual stocks. This should reduce the TER slightly and with 9 total positions it would probably not only be clearer but also yield-optimized at best.

I look forward to your opinions on this.

Thanks as always, good returns to you all and best regards

_EvD_ 😊

Hi all - I had planned to expand my portfolio a few weeks ago because of an inheritance. Now a few things have happened: Money is there and at the same time the company is asking if I would like to quit in return for a severance payment. Yup, maybe I have. Do something other than IT, for example ... Volunteering at the food bank, riding my bike and Vespa, sports, traveling & chilling or something... But that's another story :-)

But does it work financially? Let's assume about 1.2 million in total (600k invested, 600k cash). House paid off, 2 kids out, wife self-employed, but only a small amount. I'm 58, I can retire at 62, with official deductions. That will therefore be a manageable pension in total. That's why I'll need monthly cash in 3 years. The severance payment would last until then. Now I'm thinking about reallocating a large part of my portfolio from tech, world ETF, S&P and some individual stocks to high-dividend stocks: 10% $ALV (+0,51%), 10% $MUV2 (-0,93%) , 10% $O (+0,13%) , 10% $VHYL (+0,51%) , 10% $WGLD (+0,88%) , 20% $IDVY (+0,72%) , 10% $XMME (+0,17%) , 10% $XEON (-0%) (in case the dividend falls in volatile phases and to bridge payout dates). dates), 10% play money GTAA, 2Spy, Momentum etc----hahaha, actually I just wanted to mention @Epi mention.

With the above you get about 4% dividend. At 800k = 32000-25%= 24000= just under 2k net on top. That should be enough. The assets won't grow that much, but cash per month is enough. What do you think? Completely wrong way of thinking? Forgotten something important?

What would you do with the ETFs if you were me? Merge and put everything in the $VWRL (+0,47%) or with $IWDA, $XMME (+0,17%) and $CSPX (+0,42%) continue? Or simply take more risk without $XMME? (+0,17%)

savings rate is 1000€.

I have a question for you. So far I have only saved one $IWDA (+0,49%) saved. However, I would now like to diversify this core more. In future, I would like to invest 65% in the $IWDA (+0,49%) 20% in a $XMME (+0,17%) 10% in $EXSA (+0,35%) and 5% in $EWG2 (+0,93%) into one. Should I now save the amount I have already saved with the new allocation from next month or should I divide the sums between the new ETFs until the allocation is correct?

Hello to the community!

Before the holidays last year, I dared to take the step of liquidating my building society savings and reducing my call money account. The basic idea was a 70/30 savings plan in $IWDA (+0,49%) and $XMME (+0,17%) to make everything a bit more diversified!

I also bought a few individual stocks. My favorites are $1810 (-0,57%) (has gone very well for me personally so far) and $TTWO (+0,49%) (because of the good prospects for GTA - intended as a gamble, so don't get hung up on it)

How would you mainly rate the 70/30 strategy? Stupid move? Go ahead with it? What about the $VWRL (+0,47%) ?

I'm already looking forward to your reviews!