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 (+0,12%)

and 10% each in

$IS3R (+0,16%)

$IEFM (-0,46%)

$XMME (+0,69%)

$RBOT (-0,24%) and

$ISPY (-0,84%)

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 (-0,31%) 240-250€

$CCL (+0,71%) at 28-30€

$LHA (+0,2%) 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

Hello everyone and have a nice Sunday. I would like to hear your opinion, hard-hitting and honest, on my current portfolio.

I would like to emphasize up front that I have only been investing money since the beginning of 2023. My journey started directly with the tough crypto market. But good thing... As a result, I am very much in the plus with BTC and some altcoins... and very much in the minus with others... that's life 😁

I got into the stock market and my ETF savings plan in May 2024.

Since then, I've been investing in these 3 ETFs every month:

1) $IWDA (+0,25%) 50% - currently + 6.1%

2) $EIMI (+0,5%) 30% - currently + 6.6%

3) $RBOT (-0,24%) 20% - currently + 8.6%

Also bought some individual stocks such as $MSTR (-4,21%) , $COIN (-1,52%) , $PLTR (+2,29%) , $RIOT (-4,18%) and many more. I am also strongly up on the majority of them.

I monitor the markets on a daily basis and am increasingly looking for opportunities to pick up good and interesting ETFs or, in some cases, individual stocks (focus on dividends)

I have now made the following adjustments or added stocks (ETFs) in recent months:

4) $JEPQ (+1,01%)

5) $JEGP (-0,43%)

6) $TDIV (+0,02%)

I have included the two from jpmorgan as distributing etfs to generate additional cash flow. Getting money every month is just a good feeling and I thought I'd rather do it with these etfs than look for additional individual stocks.

The $TDIV (+0,02%) I have read a lot here and then decided to include it because it is doing really well and looks very interesting 🔥😎

So I now own 6 Etf's and sometimes I have the feeling it would be better to only have 2-3. But I find the 3 new distributing etfs really appealing due to the monthly or quarterly cash flow.

Individual stocks with a focus on dividends and which I have bought heavily in the last few months are :

1) $PEP (-1,17%)

2) $O (+0,85%)

3) $MAIN (+1,1%)

4) $RIO (-0,36%)

And brand new since last week

5) $ALV (+0,18%)

I would like to say goodbye to the following values in the near future:

$STAG (-0,27%)

$JNJ (-0,56%)

$TXN (+1,54%)

So there would be 11 stocks or securities in my long-term portfolio that I would like to save monthly or via DCA over the next 20-30 years.

I'm still new to the world of investing. Just under 2.5 years is nothing I would say. I would therefore be grateful for any tips on what I should possibly change or improve.

The dividends from the individual shares and ETFs always go into the $IWDA (+0,25%) because I want to increase its share, which alone should make up at least 50% I would say!

Unfortunately, I currently only have €350 to invest each month. But I currently have almost 100k in the markets. Most of it is in cryptos... but at the end of the year everything will be completely liquidated and then I'll have some cash to invest again!

Now it's your turn.

Thanks in advance.

Best regards

Chris 👋🤝😎

Hi everyone, to be honest, I work on my portfolio almost every day. But I would also like to say in a timely manner: Hey, that's good now... The savings plans run monthly, I don't stress myself and look at the portfolio in a few years and see what the compound interest effect has created 🔥🤩🚀

I also still have Bitcoin and crypto, but I trade anti-cyclically and in a 4-year cycle. Will most likely liquidate everything at the end of the year 🔥💰

My portfolio currently consists of the following ETFs + individual stocks:

1) $IWDA (+0,25%)

2) $EIMI (+0,5%)

3) $RBOT (-0,24%) all 3 are accumulating and have been running for almost 1.5 years now.

I also bought these 3 etfs (distributing) a few weeks ago. I became aware of them here on the site and found them very attractive due to the monthly cash flow. I think it's better to have such etf's than other individual stocks.

4) $TDIV (+0,02%) (quarterly)

5) $JEPQ (+1,01%) (monthly)

6) $JEGP (-0,43%) (monthly)

I find the dividend yield on all 3 etfs very nice and high.

I also have these 5 dividend stocks:

1) $PEP (-1,17%)

2) $O (+0,85%)

3) $MAIN (+1,1%)

4) $RIO (-0,36%)

And 5) $STAG (-0,27%)

But I would like to sell Stag because the dividend growth is not so big and strong for me... and maybe get $D05 (-0,28%) instead? The dividend growth looks very strong there... Or which stock would you recommend?

I would be interested in your opinion on the portfolio or the individual stocks.

Thanks for any feedback, whether criticism or praise.

I would like to save all the stocks in the long term and then have a nice big portfolio in 20-30 years and receive a great cash flow 🔥💰🤝

Best regards

Chris

Dear friends of Getquin,

I'm usually a silent reader, but if everyone just reads, eventually there's no more reading material, is there? So today I want to share my story with you.

The beginnings:

It's hard for me to say exactly when my journey began, but I do know that I developed a fascination with money as a child. My first "investment" was when I was about 7 or 8 years old, when I bought an ounce of gold with my own pocket money. At that time, no one in my family had anything to do with investments, but I had seen it in my mother's bank when I often accompanied her there. I was fascinated by the shiny coins and wanted to know how I could have a piece myself.

Then, around the turn of the millennium, I saw my father, together with a "great" bank advisor, invest the entire family savings in the middle of the dotcom bubble. The result: a massive loss within a few months. But my mother, who was at home at the time, fought hard and was miraculously able to recoup the losses. I was about 9 or 10 years old at the time and watched her sit in front of the PC every day and look at the figures. From that moment on, I was hooked! I started using an Excel spreadsheet to track which shares I would have bought at what price and watched the performance of my fictitious investments with great interest every day after school.

The first few years:

My mother stopped day trading after about a year and went back to work. However, shares were no longer an issue for me until I was 26.

Getting into real shares:

In 2018, in the summer, as a die-hard Juventus fan, I read about an article on the transfer of CR7 and how Juventus shares went through the roof. I was there again! At that time, however, I only had a small income as a working student. My father, who had failed with his investments in the past, gave me €2,000 - and I bought Juventus shares. However, he made me promise him that I would never invest in shares again. How did the story end? The "trade" with Juventus was a success, but I had to pay taxes for the first time - and I still hate that to this day.

The first losses:

After my Juventus adventure, I began to delve deeper into the matter. I tried out recommendations from "Aktionär" and repeatedly bet on individual shares for smaller trades. It was more of a game, but I generally remained profitable - sometimes a few percent profit, sometimes a few percent loss. Thanks to the profits and additional deposits, I built up my portfolio to €18,000 until I was hit by Wirecard. In the end, I had to accept a loss of around €6,000. It was painful, but not life-threatening - and I learned a lot from this mistake. In particular, I made the mistake of constantly buying more. If I had left it at the original position of € 1,500, the loss would probably not have been so dramatic.

Don't give up:

After the Wirecard debacle, I radically rethought my strategy. I increasingly focused on conservative companies, regular dividend payers and low growth. But here, too, I realized that I was underperforming the market. So I adapted my strategy further and took a long-term approach. I have since been able to slowly recoup my losses.

The clean cut - a new start:

In the summer of 2023, I needed all my assets for a private housing project and decided to make a real "fresh start". I sold all the positions in my portfolio and only kept my ETF savings plans with TradeRepublic.

The new era:

When the housing project was completed, I wanted to build up a new portfolio with the money I had left over - and here you can see the result. My aim is to find companies that are growing strongly and have a solid moat. Dividends are nice, but not a must. My portfolio also contains defensive, boring stocks as a healthy addition. At the same time, I try to further expand my ETF positions through one-off purchases - I stopped my regular ETF savings plans at the end of January 2025. I have also invested a little in crypto and gold on the side. I have made further investments in Lego (€500), Pokémon (€1,000) and Counterstrike cases (€3,000), but these are not part of the public list - that would be too costly for me.

Fun fact:

My cash ratio has never been higher than €3,000 since I first entered the stock market (2018). This is currently an exception because I want to build up a cash reserve for the next generation.

Goal:

I don't have a specific, set goal when it comes to my investments. It's more of a hobby for me. I just enjoy seeing how my portfolio grows and how I can accompany exciting companies and be a small part of them as they develop. For me, it feels a bit like collecting: I enjoy discovering interesting companies, investing in them and watching them develop over the long term.

Thank you:

A big thank you goes to Goldesel Investing and Markus Koch, who have been with me since my first stock market steps. Without you, the share culture in German-speaking countries would certainly not be as strong! And of course a big thank you to Getquin - I've always dreamed of a platform like this! 0% bullshit, 100% investments.

Please let me know if you liked my story!

A small note: My Bitpanda portfolio has a longer history, but I was too lazy to enter everything manually. I also didn't want to take over the history because, as I said, I wanted to start a new chapter in my investment history in November 2023. Overall, however, my crypto track is up €3000-4000.

$CSPX (+0,16%)
$ETH (+0,4%)
$BLK (-0,21%)
$GS (+1,65%)
$XDWD (+0,08%)
$V (+1,42%)
$MC (-0,7%)
$MS (+1,39%)
$QCOM (+0,46%)
$JNJ (-0,56%)
$ASML (-0,65%)
$RBOT (-0,24%)
$LOCK (+0,13%)
$MRK (-0,58%)
$UNP (-0,56%)
$NKE (+0,45%)
$QDV5 (+0,54%)
$MA (+0,4%)
$TGT (+0,92%)
$PEP (-1,17%)
$NU (-4,73%)
$AAPL (-0,29%)
$TSLA (+0,26%)
$DOGE (-0,2%)
$BTC (+0,51%)
$BRK.B (+0,18%)
$PEPE (-0,2%)

As a 17-year-old student, my first (full) year on the stock market really went better than expected. Initially, I wanted to invest a small part of my "assets" and outperform my call money account - and I did so successfully. My TWR is 59.67%I think that's really impressive for a beginner.

Now to my investments:

My year got off to a rather negative start with the sell-off of Neotech-Metals $NTMC (-2,38%) a "tip" from a relative - with a 77% loss, I decided to see this investment as a learning opportunity, which in retrospect was worth it. At least I only lost €126 on my first bet.

Savings plan

Throughout the year, I had my savings plan running at €150 per month:

60€ in $XDWD (+0,08%) -> Later 100€ $VWCE (+0,26%)

45€ in $XMEU (-0,08%) -> Later 50€

45€ in $RBOT (-0,24%) -> Deducted

Since I moved my securities account from Deutsche Bank to ING in April, I no longer have to hold 3 stocks, but can focus on 2.

However, when I turn 18 in April '25, my portfolio will probably move to TR or Scalable.

Investments:

I also had several smaller investments this year $NVDA (-0,35%) investments this year, which I had chosen without any premonition, just because I like their graphics cards. But that was probably the first stroke of luck in my stock market "career".

I also bought more of them:

21.10. 5 x @ 127,45€

16.11. 2 x @ 134,11€

20.11. 3 x @ 139,63€

This brings me to a total of 20 shares and a price gain of 20.12%.

However, this position is slowly becoming too large for me, which is why I will probably realize partial profits soon.

Another new addition to my portfolio were 2 Tesla shares $TSLA (+0,26%) which I didn't even hold for a month, but I was able to take a short-term gain of 27.23%, i.e. €175, which really tastes good in such a short time.

The top winner for me this year was clearly the Apple share $AAPL (-0,29%) which brought me almost 43%. Fortunately, my parents support my interest in the stock market and gave me an Apple share for Christmas instead of an Apple product. In the time since I bought this share until today, it has actually gained 52%, which is of course a great increase in value for a gift. I also received the "bitcoin standard", which is a really great book so far!

So total return is 1632€, of which about 850€ realized.

Goals 2025:

> First, I will probably halve my Nvidia position so that I can buy my first car.

> Leave savings rate at €150 in months without income, increase drastically in months with salary

> More investments in individual shares

> First investments in Bitcoin (I know, volatile, but I'm very interested in the technology behind it)

> Even better financial education, especially with regard to investments

I try to save as much as possible and give up as little quality of life as possible. I am thrifty, but I also like to buy nice clothes or invest in friendships and family, because in the end that is still the most important thing in life!

With this in mind,

A successful year 2025 to all!

Hello dear Gequin Community,

I am currently working on restructuring my portfolio. Historically, I currently have a few funds and a number of individual shares.

I would like to switch the funds to ETFs and continue to save in them.

Classically, I would now select the following ETFs:

$VWCE (+0,26%) / $VHYL (+0,12%) and $VFEG (+0,54%)

Now my little thought experiment: Why should I limit myself to three ETFS when I could spread the whole thing much more widely? I have also thought about something like this (with smaller sums, of course):

$WELS (-0,22%)

$ECOG (-0,06%)

$EXH5 (-0,99%)

$CHIP (+0,89%)

$DFEN (-0,48%)

$XDWF (+0,19%)

$RBOT (-0,24%)

$XAIX (+0,81%)

$IH2O (-0,66%)

$WELW (-0,1%)

Of course I have a few duplications here, but I am much more differentiated.

Does this approach make sense in your eyes or is it a modest idea?

Good evening to all :)

I am in the process of reorganizing my portfolio. This will be my new portfolio. I simply want to invest in dividends and at the same time reduce the percentage of USA. I think I'm doing quite well this way, especially as I can also reduce my risk appetite.

First investment amount will be 4.527,00€ will be.

Of which as follows:

In each case 754,50€ in the 3 dividend ETFS = 2.263,50€

• iShares STOXX Global Select Dividend 100 (Dist) - 754,50 €
• SPDR S&P Global Dividend Aristocrats (Dist) - 754,50 €
• Vanguard FTSE All-World High Dividend Yield (Dist) - 754,50 €

The others 2.263,50€ will be invested as follows

• UBS MSCI USA Socially Responsible (Acc) - 1.131,75 €
• iShares MSCI Europe SRI EUR (Acc) - 679,05 €
• iShares Automation & Robotics (Acc) - 226,35 €
• iShares MSCI Emerging Markets SRI (Acc) - 113,18 €
• UBS MSCI Pacific Socially Responsible (Acc) - 113,18 €

We have a monthly savings plan of €300 which we divide up like this:

• iShares STOXX Global Select Dividend 100 (Dist) - 50,00 €
• SPDR S&P Global Dividend Aristocrats (Dist) - 50,00 €
• Vanguard FTSE All-World High Dividend Yield (Dist) - 50,00 €

• UBS MSCI USA Socially Responsible (Acc) - 75,00 €
• iShares MSCI Europe SRI EUR (Acc) - 45,00 €
• iShares Automation & Robotics (Acc) - 15,00 €
• iShares MSCI Emerging Markets SRI (Acc) - 7,50 €
• UBS MSCI Pacific Socially Responsible (Acc) - 7,50 €

So I am very satisfied. Are there others here who have an ETF portfolio in terms of accumulating and distributing?

PS: It is a sample portfolio for illustration purposes. I haven't invested yet or took about 1000€ profits from World and Paypal on Friday :)

Good night! :)

$USSRI (+0,34%)
$VHYL (+0,12%)
$RBOT (-0,24%)