Herewith I present my portfolio again. I am of course open to suggestions for improvement!

Briefly about me: I am 21 years old, still live with my parents and work as a system administrator.

I'm currently looking for a new car, so €20,000 of the €22,500 cash will probably disappear.

Due to the fact that I still live with my parents, my savings rate is around €1500. By saving for the new car, the savings installment that will be invested amounts to "only" €500.

350 per month currently goes into the savings plan $IWDA (-0,79%) and 150€ into the $AE5A (-2,81%)

In addition, "another" €60 goes into the building society savings contract, and €70 goes into the Riester pension on the $UIVD (+0%) I also have a BAV, here the savings rate is €40.

Now I had the following idea: Close the building society savings contract and invest in $BTC (-2,46%) and invest in the World ETF? What do you think of this suggestion?

I'm also currently undecided about what to do with the smaller positions >€500.

Thanks for reading and have a nice evening! :)

Hi everyone. Now that I've reached my annual goal today (hopefully it will hold) and thus another milestone, I'd like to get some feedback.

Briefly about my strategy and my goal.

Every month I save

48% $LCUW

16% $AE5A (-2,81%)

16% $ISPA (-0,46%)

10% $BTC (-2,46%)

10% $QQQ3 (-3,82%) (2.5% weekly)

$TDIV (-0,11%) is saved with dividends.

Individual shares are only bought on a one-off basis or, if necessary, subsequently.

I still have a few old stocks in my portfolio ($NIO (-2,14%)
$YOU ) that will have to go soon. Apart from that, the main focus is on dividend stocks, which is good for my mindset when money comes in regularly.

My goal is to no longer have to work in 17 years if I want to.

My savings rate is currently "only" 20%, as we built a house 3 years ago and had a baby this year.

Now I'd like to rest ;) (Too many ETFs, too much crypto, no strategy ;) maybe you can think of more.

My old EM ETF was converted last year: $AE5A (-2,81%)

I have been in the red here for 2 years, even with the previous EM ETF. current performance -7.80% . Performance incl. div. -4%

Now the situation in China is becoming increasingly delicate, I am considering switching to an ETF without China or simply taking an All World. $AHYQ (-0,73%) I have also been running since I entered the stock market.

I would just like to hear some opinions.

Thank you.