I am currently considering whether it makes sense to switch from $VHYL (+0,1%) to the $TDIV (+0,48%) to switch?

Regarding the high US share in the $IWDA (+0,02%) I already have $EXSA (+0,38%) which also helps me to use the tax-free amount.

Dear getquin community

Having been a silent reader here for a few months now, I would like to briefly introduce myself and my journey so far. Before I do, however, I would like to say a big thank you to everyone who regularly shares very exciting posts here and helps this community to grow. You are not only convincing in terms of content, but also create a really pleasant atmosphere in the forum with your appreciative way of writing.

My Story

Against the background and with the expectation of a substantial inheritance, I have been looking into investment opportunities as a complete newcomer to the stock market since the beginning of 2025. As I wanted to gain some experience first, I started investing my annual savings on a trial basis instead of paying off my mortgage as usual.

I started with an investment in $SPYI (-0,13%) . As I didn't like the heavy weighting of the USA, in a second step I tried to build up a 35/25/30/10 ETF portfolio with a weighting of the world regions by GDP. The result did not convince me due to the complexity (at times over six ETFs → manual rebalancing effort) on the one hand and the manageable long-term return prospects on the other. In the meantime, I had the idea of investing in slightly better-performing and riskier thematic ETFs such as $SEMI (+0,9%) and $XAIX (-0,3%) but in the end this only led to an even more complex setup.

I then decided to try a buy-and-hold approach based on individual stocks, but was quickly impressed by the return prospects of riskier stocks. So - also influenced by posts here in the forum - I went all-in at the beginning of November with $IREN (+10,84%) at a buy-in of around € 61 at the time. I now know that this impulse is called "FOMO" 🙂. When a sharp correction immediately began, I realized that return also means risk and that timing plays a role when buying individual stocks. Encouraged by posts here in the forum, however, I didn't sell in a panic, but continued to buy during the correction phase until I was able to reduce my buy-in to €45 at the end of December.

I am now slightly in the green again and the further prospects do not currently motivate me to sell my shares. I am setting myself a price target in the region of the old ATH in order to then reduce the position to a more reasonable size and restructure my portfolio. If I am satisfied with this, I will also invest the larger sum from the inheritance. At the moment, I can imagine a core of $VWCE (-0,07%) , $TDIV (+0,48%) and @Epis 3xGTAA Wikifolio Index as well as a somewhat smaller portion for selected, higher-risk stocks. There are numerous well-founded ideas for the individual stocks here in the forum, for which I would recommend, among others@Multibagger , @Tenbagger2024 , @Iwamoto and @Shiya are very grateful.

It's fun to be here.

As I had already planned this morning, I have parted with the $QYLE (+0,17%) and bought the $WINC (+0%) and bought the I also took the opportunity to get rid of the $JEGP (+0,5%) which performed even worse than the Global x for me. Overall, I came out of both with a red zero.

In addition to the ishares, 50 of the proceeds from the $ASWM (+1,64%) went into the portfolio, of which I now have 100.

In the high yield area, I then added the $TDIV (+0,48%) as the largest position and the $YYYY (-0,51%) the $JEPQ (-0,04%) and the $SXYD (+0,62%) .

That's how it's going to stay for now; in total, that's around 8-9% of the total portfolio in this area.

As I bought the Winc before the ex-date, but sold the global x afterwards, I can still take the dividends from both this month. As a result, I even have a small gain on the global x overall.

This morning I said goodbye to $BP. (+0,45%) after 3 years and a loss of over 5%, I was able to close the position at +-0 thanks to dividends. At the same time I increased the share $TDIV (+0,48%) and as a dividend replacement $WINC (+0%) to the portfolio.

Am now in the $TDIV (+0,48%) with the sum of the Vanguard! I now have 3 ETFs, each with a €500 savings plan per month!

$VHYL (+0,1%)

$TDIV (+0,48%)

$VWCE (-0,07%)

Hello everyone,

It's hard to believe, but my journey on the stock market began in January 2021 - that means I'm celebrating my 5th anniversary! Behind me lies an extremely instructive time in which I (like so many others) have learned a lot. Today I would like to share my learnings and my new setup for 2026 with you.

1. my mistakes: the hunt for perfect timing

My history includes countless purchases and sales. My biggest mistake? I tried to time the market. Unfortunately, the result was classic: often getting in at the wrong time and - even worse - selling out of impatience or panic, only to watch the stock take off shortly afterwards. Unfortunately, the bottom line for me was that individual share trading was not successful.

2 The new portfolio: Focus & Structure

I made a radical change. Away from the hectic back-and-forth and towards a solid foundation.

My core now consists of buy-and-hold ETFs:

- $VWCE (-0,07%) (Vanguard FTSE All-World)

- $TDIV (+0,48%) (VanEck Developed Markets Dividend)

- $EIMI (-0,61%) (iShares Emerging Markets IMI)

Supplements:

Cryptos: Continue to have a large weighting in BTC.

Precious metals: Just under 5-7% in gold and silver as an anchor.

Berkshire Hathaway: My only "single share" to reduce my remaining share loss pot of around €1,000 in a tax-efficient way.

Momentum strategy: I am fascinated by the model of @Epi. The first tranche is in place, another €4,000 is ready at Smartbroker+. As February and September are statistically often weaker months, I plan to use the next setback in February to make a further entry. A small portion may also be transferred to @Krush82 's Wikifolio.

3. psychology: the problem with loss aversion

Loss aversion is a term that has influenced me a lot in recent years. In psychology, this describes the tendency for us to perceive losses much more painfully than gains of the same size make us happy.

This is precisely my problem: although I know rationally that I am investing for the long term, sideways phases or red days have far too strong a mental impact on me. I look at my portfolio too often - even if I don't change anything - and let it spoil my mood. My goal for 2026: Less screen time, more trust in the process. Rationally, I don't care about the short-term noise, and I need to work on that.

4. my savings plan setup

To take out the emotions, I automate everything:

- Weekly: 300€ VWCE | 30€ TDIV | 20€ EIMI | 20€ BTC

- Every 2 months: 100€ gold | 75€ silver

I also treat myself to a small "gambling portfolio" (€4,000) for high-risk stocks. The motto here is clear: either a total loss in 5-10 years or the next tenbagger. This keeps the gambling instinct away from the main portfolio.

How do you deal with daily volatility?

Do you also have strategies to beat the "app addiction" in bad market phases?

I look forward to your feedback! 📈

Hello dear community,

I would like to hear your opinion on my portfolio. Criticism, suggestions or even positive feedback - everything is welcome.

I am planning to restructure my portfolio this year.

My aim is to further expand the core and to reduce or completely close some individual positions. Small remaining positions such as $HUT (+4,57%) Hut 8 (up over 500 %, but only around 10 shares left) I would like to sell completely in the near future. I am also considering closing other individual stocks and reallocating the capital to the core.

Would you say sell the dividend stocks like $O (+1,55%) , $KO (-0,16%) and $MAIN (-0,29%) etc. and invest in $MELI (-0,79%) , $ISRG (-1,32%) , $MA (-0,44%) or e.g. $PANW (+0,43%) which will most likely perform better over the next few years... ?!

But I would also be open to riskier stocks, so to speak high risk - high reward, which I am now also trying out with $AML (+0,27%) for example. Bought on Friday... ☺️ (A "gamble")

Currently my core consists of $IWDA (+0,02%) MSCI World, $EIMI (-0,61%) MSCI EM IMI and the $TDIV (+0,48%) VanEck ETF. With the VanEck, however, I am considering whether to keep it or switch to a $CSNDX (+0,03%) Nasdaq 100 ETF instead - with a view to an investment horizon of around 10 years. During this period, I also plan to buy a house together with my wife. (at least that's the goal).

I also have a larger crypto portfolio, which is not deposited with GetQuin, as it is unfortunately not displayed correctly with Bitvavo here on the site. There is currently significantly more capital in crypto than in ETFs and shares. I entered the crypto market at the beginning of 2023 and had more than doubled my portfolio by the end of 2024: around €75,000 became around €175,000 at times.

However, I only realized a few profits and left the majority invested. In the meantime, the portfolio has shrunk considerably again as 2025 was really shitty for crypto (especially altcoins, of course) and is currently even in the red.

However, I assume that Bitcoin will perform better again this year and reach a new all-time high. If that happens, altcoins should also follow suit, so I hope to see decent gains there again.

Now to my questions for you:

Would you change anything about the ETF core?

$TDIV (+0,48%) Keep it or rather switch to a Nasdaq-100 ETF? And get more return (boost)?

Which individual stocks would you rather keep and which would you rather sell?

I am 38 years old and my goal is to buy a house in the next 5-10 years.

Thank you very much and I look forward to hearing your opinions!

Greetings Chris

Sooooo it's time for another portfolio update.

Over the last few years, I have noticed that my long therm target of 20% pa is becoming increasingly difficult to achieve as the size of my portfolio increases, because more and more money is flowing into "safe" ETFs. Nevertheless, with my top picks 2025 $RKLB (+7,74%)
$KSB (+0,25%)
$NU (+0%) and $GOOGL (-0,71%) very satisfied. However, all 4 are at ATH or just below, which could make things a bit volatile in the short term. Nevertheless, I assume that all 4 will be higher at the end of the year than they are now.

My aim this year is to increase my exposure to small/mid caps. I already made a start last year, $KSB (+0,25%) has already done quite well, stocks like $P4O (+0,49%)
$GFT (-0,6%)
$SBMO (+2,2%) and $OSIS (+0,4%) are to be held, but no major additional purchases are planned there for the time being.

The downward positions in Samsung are all part of my 212 trading pies, divided into 3 different pies. Since mid-August, the pies have gained 21.6%. Meanwhile the total value of my 212 investments is 9600€. These are saved monthly with a total of €500 plus one-off payments from time to time.

Apart from that, there are only 2 three-month savings plans with 1.5k each on the $VWRL (+0,13%) and $TDIV (+0,48%)

In addition, there are still around 60k in various orders, but these are all turnaround bets with short-term targets of between 8% and 12%

In the long term, I will keep my eyes and ears open to find new pearls.

When parents die, you are usually no longer very young yourself. It's better not to make your own pension provision dependent on your inheritance and - because of your advanced age - to be reasonably secure (yes, I wouldn't take out an insurance policy today, that's just the way it was done). You might also have a property, in my case an owner-occupied condominium and two smaller units to rent out.

And then, somewhat unplanned and unexpectedly, an inheritance comes along, which in my case increased my assets by two thirds. Whew.

That sounds great at first, but you're actually quite sad.

I feel it is my duty to handle the money responsibly and sensibly, to make the achievements of my ancestors "permanently usable" and to honor them.

But how?

Perhaps others have similar situations and questions to mine in this case, which is why I am sharing my thoughts and decisions in broad outline.

My "background" and experience with investments:

As you can see, I only joined the forum in April 2025 and I don't have much more experience with investing and the like. For the last 5 years, I only had a €300 savings plan on the S&P 500, yes, but it was all very passive.

Since April, I've bought a few individual stocks with "free capital" (<€25k) in addition to the ETF and had fun with them, e.g. with $IREN (+10,84%) which I picked up at €13 or €14, and I also enjoyed following analyses and thought processes here. It was all experimental and there were plenty of failures.

In the middle of the learning process, the inheritance came quite suddenly and I had to deal with it.

A planning approach

The money can't just "lie around".

What do I actually want to achieve?

• Bring retirement forward by x years (I would still have to work regularly for 9 years) -> how much non-working time can I buy myself? 5 years would be great. So in 4 years I would start paying myself €40-50,000 a year, which I could then significantly reduce again when I officially retire.
• A mobile home (<60k) would be nice.
• But I don't want to spend the money. It would be nice if some of it could be inherited with a high probability (we have two children).

Investment strategy

If I have already saved for my retirement myself, then I can also invest for a few more years with moderate risk. growth to make all my wishes come true. I've been thinking about this for a while and explain the result in the screenshot that shows the current portfolio:

My current allocation:

Explanations

The FTSE All-World as the bread and butter core investment covers 25%.

wikifolios (because hopefully people there have a clue) provide growth with 50% of the invested capital.

@Epi s 3xGTAA for momentum (S&P 500 and Nasdaq are covered)

Umbrella and PPInvest low Vola (WFPP999999) for growth with a very good risk/reward ratio (approx. 2!)

Special Situations long/short as an opportunity if Trump goes completely crazy (there is currently 50% cash in there for good reason)

A few percent cash as a reserve in the $XEON (+0,01%)
A few percent gold, silver and bitcoin (teaching money) as diversification

Investment income: $TDIV (+0,48%) and $MAIN (-0,29%) . These are my test field to see whether this is a suitable retirement strategy for a regular dividend income. Most of my savings currently go into these two. Profit-taking should also end up there.

Opportunities/risk assessment

The share-weighted Sharpe ratio across all these investments (excluding equities) should be pretty much exactly 1.

It should be clear that the previous internal rate of return of 24% since 10.11.2025 to date can certainly not be maintained. However, it is certainly my hope that I could - without having to put in a lot of effort - end up with 15-20% p.a.

And I'm keeping the 5-7% in individual shares for fun and learning, because I simply find the topic exciting. Perhaps this will lead to a reorientation in the distribution, but for the time being I'll start like this.

If I do something stupid with my plan, just say so!

Links to the wikifolios:

• 3xGTAA: https://www.wikifolio.com/de/de/w/3XGTAA
• Umbrella: https://www.wikifolio.com/de/de/w/wfumbrella
• PPInvest low Vola: https://www.wikifolio.com/de/de/w/wfpp999999
• Special Situations long/short: https://www.wikifolio.com/de/de/w/wfspecial2