Nice little dividend from $FGEQ (-0,93%) arrived yesterday.💸

And a nice weekend to you all.

My ETF strategy: 3 ETFs as the core for long-term success

After a lot of thought, I have decided to make some changes. I have decided to split my monthly investments into three ETFs that offer a mix of growth, stability and income potential. From now on, I will invest €1000 per month in these three ETFs, with all dividends being automatically reinvested to maximize the compound interest effect.

1.

Fidelity Global Quality Income $FGEQ (-0,93%)

This ETF focuses on high-quality companies worldwide that pay stable dividends. It provides regular income streams and is less volatile than growth stocks. As I am looking for solid passive income over the long term, this ETF is an important part of my portfolio. All dividends from this ETF are reinvested to further grow the capital.

2.

VanEck Developed Markets Dividend $TDIV (-0,33%)

Similar to the Fidelity ETF, this one invests in high-dividend companies, but focuses on developed markets. The VanEck ETF helps me to diversify my portfolio even more broadly and ensures regular distributions, which are also reinvested. This allows me to use the dividends as a growth driver without them weighing on the portfolio.

3.

Nasdaq 100 ETF $CSNDX (-2,38%)

The Nasdaq 100 is my growth driver. It invests in the largest technology and growth companies in the US, which gives me strong leverage to the technology and innovation sector. While the Nasdaq 100 is more volatile than the S&P 500, the potential returns from the tech sector can be very rewarding over the long term. Again, all dividends are automatically reinvested to further increase the growth rate.

My strategy

With this combination of dividend and growth ETFs, I am aiming for a balanced portfolio that offers both stable income and long-term growth. I focus on a long-term investment strategy that grows regularly with monthly investments of €1000. The automatic reinvestment of dividends is intended to maximize the compound interest effect and thus allow the portfolio to grow continuously over the years.

Asia and emerging markets via individual shares

As I want to invest specifically in the Asian and emerging markets, I plan to cover the corresponding proportion via individual shares. I want to focus on high-quality companies that are growing strongly in these regions and offer good long-term earnings opportunities. My favorites: $6861 (+0,34%)
$TKOMY
$1211 (-1,03%)
$FLXI (-0,65%)

Individual shares - focus on quality

I currently own a lot of individual shares (some bought without a plan) and plan to reduce these to a maximum of 20 strong quality shares. I want to consolidate my portfolio and only invest in companies that have high growth and earnings potential and are robust enough to perform well even in difficult market phases.

Conclusion:

With this strategy of the 3 ETFs as core and a careful selection of 20 strong individual stocks, I want to build a well-diversified portfolio that not only provides stable income, but also benefits from global growth in the long term. By regularly investing €1000 per month and reinvesting all dividends, I aim to continuously grow my portfolio and achieve long-term financial security.

I would be delighted to hear your thoughts on my new strategy!

Have a great evening and a successful start to the new week!

LG your Max

I sold mine $FGEQ (-0,93%) completely yesterday.

According to getquin and also according to the start overview at Trade Republic, I should have made a profit of approx. 127€ (3.47%).

After the sale, Trade Republic shows a return of 2.38% (88€). That is a considerable difference.

The tax-free amount has not yet been exhausted, so this cannot be the reason.

In addition, these 127€ were deducted from my allowance.

The support team has also been unable to help me so far.

I would like your help to find out if you have ever had similar problems or if there is a plausible explanation. :)

#traderepublic
#hilfe
#rendite

Today, my portfolio broke through the €10,000 mark for the first time.

I've been active on the stock market since the end of 2022, i.e. since the start of my training.

I'm really glad that I started looking into investing back then.

Not only do I enjoy it, but it has also completely changed the way I deal with money and my view of wealth accumulation. 📈

Of course, not everything went perfectly at the beginning.

I often swapped back and forth, sold or bought shares due to short-term fluctuations and sometimes just traded on instinct.

As a result, I also had quite high fees in the first year.

But I learned a lot from that.

I now have a clear strategy that suits me well:

Buy & Hold invest for the long term and give companies time.

Here are two more suitable quotes:

As Buffett said: "Our favorite holding period is forever."

Or as Graham said: "In the short run, the market is a voting machine, but in the long run, it is a weighing machine."

My savings plans:

ETF:

• Vanguard FTSE All-World ($VWRL (-0,98%) )
• Fidelity Global Quality Income ($FGEQ (-0,93%) )
• iShares Physical Gold ($IGLN (+0,95%) )

Equities:

• Microsoft ($MSFT (-0,32%) )
• Apple ($AAPL (-0,42%) )
• Visa ($V (+0,4%) )
• Coca-Cola ($KO (+1,67%)
• 
  Alliance ($ALV (-0,79%) )
• Realty Income ($O (+0,92%) )

Crypto (small share):

• Bitcoin ($BTC (+0,26%)
• 
  Ethereum ($ETH (+1,26%) )

I am very happy about this first milestone and will stay on the ball. 🚀

After everything that's happening on the stock market, it's quite possible that my portfolio value will soon fall below €10,000 again. But that's just part of it. 📉

Hey, I'm 20 and currently invest €600 a month: €300 in $ISAC (-0,88%) as a basis and € 300 divided into € 75 $FGEQ (-0,93%) and $TDIV (-0,33%) , 50€ $WINC (-0,81%) and €10 each in 10 dividend shares. My aim is for the savings plans to pay for themselves at some point through dividends (in around 15-20 years according to my calculations). I'm now considering whether it wouldn't make more sense to focus more or entirely on growth first in order to build up capital more quickly and then switch to dividends later.

I would be happy to hear a few opinions and ideas from you.

Thank you in advance

August gave us another real midsummer and showed its best side on some days. For me, it was the perfect opportunity to pursue one of my hobbies: Swimming, swimming and swimming again. I enjoyed every minute in the now cooler water. There was no hiking this month, but the swimming made up for it completely. I'm slowly looking forward to cooler temperatures again, because the cold adaptation for ice swimming is already calling! But before we head into fall, it's time for a look back.

Overall performance

After the brief consolidation caused by the new Trump tariffs, my portfolio recovered quickly and showed a stable, slightly positive performance in August. The prospect of interest rate cuts by the Fed provided a small boost, but there were no major movements. Typical summer slump. But, as expected, what had to come arrived on time: the distributions. My key performance indicators for my overall portfolio at a glance:

• TTWROR (month of August): +1.01 % (previous month: +3.82 %)
• TTWROR (since inception): +73,69 %
• IZF (month of August): +12.50 % (previous month: +46.14 %)
• IZF (since inception): +10,79 %
• Delta: +794.74 €
• Absolute change: +1,850.61 €

Performance & volume

My class leader continues to expand its dominance. If this continues, it will soon become a decisive factor in overall performance. The $BOA rises into the top 5 by volume, $SAP (-0,93%) falls back. Rising in terms of performance$MAIN (-0,4%) and there, too, the$SAP (-0,93%) falls back. I also notice something about the winners of the red lantern in terms of performance:$NOVO B (-0,2%) has reached the bottom basement, once one of my very strongest stocks. So the tide is turning. Opportunity to buy more? Instead$CPB (-0,33%) has risen from the cellar. But this share still has a long way to go.

Size of individual share positions by volume in the overall portfolio:

Share (%) of total portfolio and associated portfolio:

• $AVGO (-14,32%) : 3.30 % (main share portfolio)
• $NFLX (+0,45%) 1.98 % (main share portfolio)
• $WMT (+2,51%) 1.72 % (main share portfolio)
• $FAST (+0,25%) s: 1.69 % (main share portfolio)
• $BOA 1.45 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

Share proportion (%) of the total portfolio and associated securities account:

• $SHEL (-1%) : 0.42 % (crypto follow-on portfolio)
• $NOVO B (-0,2%) 0.49 % (main share portfolio)
• $HSBA (-0,23%) 0.54 % (crypto follow-on portfolio)
• $TGT (+2,16%) 0.57 % (main share portfolio)
• $GIS (+1,15%) 0.61 % (main share portfolio)

Top-performing individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

• $AVGO (-14,32%) : +328 % (main share portfolio)
• $NFLX (+0,45%) : +176 % (main share portfolio)
• $FAST (+0,25%) +83 % (main share portfolio)
• $MAIN (-0,4%) : +79 % (main share portfolio)
• $SAP (-0,93%) +74 % (main share portfolio)

Flop performer individual stocks

Shares with performance since initial purchase (%) and the respective portfolio:

• $TGT (+2,16%) : -36 % (main share portfolio)
• $GIS (+1,15%) -31 % (main share portfolio)
• $UPS (+1,06%) -26 % (main share portfolio)
• $NKE (-0,55%) -25 % (main share portfolio)
• $NOVO B (-0,2%) -21 % (main share portfolio)

Asset allocation

My asset allocation is as follows:

• ETFs: 38.3 %
• Equities: 59.0 %
• Crypto: 2.60%
• P2P: less than 0.01%

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, incl. reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases/one-off savings plans as cashback annuities from refunds: € 79.00
• Subsequent purchases/one-off savings plans as a cashback annuity from bonuses/incentives from the KK: € 20.00
• Subsequent purchases from other surpluses: € 30.00
• Automatically reinvested dividends by the broker: € 3.01 (this function is only activated for an old custody account, as I otherwise prefer to manage the reinvestment myself)

Additional purchases were made:

• Number of additional purchases: 3
• 55.00 € for $JEGP (-0,25%)
• 
  44.00 € for $GGRP (-0,6%)
• 
  30.00 € for $FGEQ (-0,93%)
• 
  295.08 € for $DXSA (-0,3%) (funds from the sale of a $ETH (+1,26%) tranche)

If you want to know how my cashback pension tops up my share and ETF pension, please write it in the comments.

Passive income from dividends

My income from dividends amounted to €128.42 (€92.61 in the same month last year). This corresponds to an increase of +38,67 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 22
• Number of payment days: 12 days
• Average dividend per payment: € 5.83
• average dividend per payment day: € 10.70

The top three payers are:

• $IWDP (-0,83%)
• 
  $ISPA (-0,22%)
• 
  $ZPRG (-0,18%)

My passive income from dividends (and some interest) mathematically covered 14.94% of my expenses in the month under review.

Crypto performance

My crypto portfolio was characterized by the partial sale of a $ETH (+1,26%) tranche as part of my "crypto succession strategy". Around € 298 in Etherium was taken off the table.

Here are some key figures:

• Monthly performance portfolio: +0.29 %
• Performance since inception: +134.35 %
• Share of holdings for which the tax holding period has expired: 98.55 %.
• Crypto share of the total portfolio: 2.20 %

The sale of the tranche explains the decline in the crypto share from 2.6% to 2.2%

As a "follower" of the crypto cycle, I am increasingly accepting the idea that the cycle is still in tact, but is expanding. The reason for this should be the ETF purchases and the activities of the crypto treasury companies. Retail still seems to be asleep. The playing field is very exciting, if only from a macroeconomic perspective. I can only advise looking into the cycle and issues such as money creation and the correlation between the M2 money supply and $BTC. Although I am not a fan of cryptocurrencies, I think they are a sensible component of a balanced portfolio.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows

• TTWROR (current month): +1,01 %
• $VWRL (-0,98%) : -0,33 %
• $VUSA (-1,22%) : -1,13 %

Outlook and a private bonus

My Carousel posts of the portfolio review and budget review always start on the hook slide with a background image from my month. These are usually places I've visited or moments that have moved me. This time it's the same, although a CT scan would almost be more appropriate.

A chest CT confirmed what I had been wondering about for some time: my ascending aorta is dilated. This is a consequence of my congenital heart valve defect. Fortunately, it was discovered early before it could develop into an aneurysm, dissection or even rupture. A classic chance discovery, a stroke of luck. I was able to keep the heart valve "in check" for a long time, and fortunately there are currently no worse findings for it. But the diagnosis of the ascending aorta now brings certainty: an operation will certainly be necessary at some point.

Why am I sharing this here? Because it has taught me humility once again. The diagnosis isn't nice, but it's not a surprise either. Perhaps my v. A. more active lifestyle since corona has contributed to the fact that it is stable today and still allows me to do a lot: sporting activity, which I have fought my way back over the years. The restrictions that already apply to avoid pressure peaks on the aorta are minimal. My quality of life is still very high.

My conclusion: Keep fit, go for check-ups and take your body seriously. Invest in your health and fitness. Our deposits are only worth as much as our health allows us to enjoy them.

So I will be able to visit the cardiologist and radiologist even more regularly in future, an honor! (irony off). Everything will be fine!

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 In addition to the portfolio and extra budget review, you'll also find regular posts there: @frugalfreisein

Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have already been "copied" several times.

👉 How was your August at the depot? Do you have any tops and flops to report?

Leave your thoughts in the comments!

Hey everyone 👋

I'm 21 and have been investing since the end of last year. My goal is to build a solid portfolio over the long term and learn as I go. I'm happy to receive feedback, tips or food for thought on my strategy - everything helps to get better! 💡

About the strategy/target weighting:

Base/dividends:

$IWDA (-1,04%) to 30%

$TDIV (-0,33%) to 30%

$FGEQ (-0,93%) to 20%

Individual shares as an additional boost:

$NVDA (-3,26%) 10%

$AMZN (-2,35%) 5%

$V (+0,4%) 5%

I invest €400 per month towards the target weighting.

$FGEQ (-0,93%)