What weighting do you give a world ETF such as : $VWRL (-0,42%) ??

Another strong year with a lot of profit. After a return of around 40% in 2024, I was able to achieve another strong return of 26% in 2025. I was able to realize a large part of the profit with my two Tenbagger shares $RGTI (-2,6%) and $PLTR (-1,37%) but the rest also performed quite well.

Due to the high gains in the two individual stocks, the weighting in my portfolio shifted massively and I took this as an opportunity to really tidy things up.

Portfolio realignment 2026

I would like to share the strategy I am pursuing with you. I have not yet reached the desired weighting, but I am slowly getting closer again.

The strategy is based on 3 different pillars and looks as follows:

CORE: ALL WORLD AND SWITZERLAND(40%)

The core consists of the broadly diversified world ETF $VWRL (-0,42%) (approx. 30%) and with approx. 10% $CHSPI (+0,77%) as an overweight of the home market

GROWTH AND QUALITY (35%)

The second part consists of some quality stocks with solid growth or dividends such as $SREN (+1,61%)
$ROG (+0,69%)
$BION (+0,68%)
$MSFT (-1,33%)
$SIE (-1,42%) and the two trend tech ETFs $SMH (-1,5%)
$XAIX (-1,05%)

TENBAGGER SATS (20%)

Here I look for promising companies that have the potential to multiply and invest small amounts (currently max. CHF 1000). This is of course a high-risk investment, but I try to outperform with these stocks. By selling some of my tenbaggers, I was able to add new candidates to my portfolio.

These are all my potential price rockets:

$PLTR (-1,37%) : my first Tenbagger. Here I have already realized around ten times my investment through partial sales. The rest will remain in the long term.

$RGTI (-2,6%) : my second Tenbagger. I have realized approx. 8.5 times the stake through partial sales. The remainder is also left lying around.

$TER (-0,32%) Chip testing, benefits massively from the AI chip boom.

$CELH Fitness energy drinks with strong growth and expansion into the mass market.

$CRSP (+0,21%) Gene editing with huge health potential.

$MIPS (+0,66%) : Safety systems for helmets. The technology is licensed to numerous helmet manufacturers in the sports and industrial sectors.

$RKLB (-2,01%) : Rocket launches and satellites and established SpaceX chaser.

$JOBY Pioneer in urban mobility with air cabs and vertical take-offs.

$NU (-0,93%) Digital neobank with enormous scaling potential in underserved markets such as Brazil, Mexico, etc.

$RBRK (-1,65%) Cybersecurity

$IONQ (-3,32%) Quantum computing. Highly speculative moonshot potential for computing power beyond classical computers.

I also hold approx. 5% in Bitcoin

A brief look back:

I started investing 5 years ago (still 23 years young at the time).

At the time, I was still in the final stages of my dual studies when Corona suddenly hit.

My original plan to buy my own car was quickly changed to a loan-financed purchase.

The 17k that became available went public in April 2020. Looking back, there was probably no better time.

First learning:

The father of my current fiancée advised me to invest in 50% Msci World $IWDA (-0,5%) and 50% Dax $DBXD (-0,33%) to invest. This in the form of two ETFs.

Without any knowledge of the stock market, I went to my bank (Sparkasse) and told the advisor that I would like to invest in the two ETFs mentioned and open a custody account for them.

I was presented with two funds. Deka Champions and DWS Dax or something like that.

When I asked her that these were not ETFs but funds, she simply said that the benchmark was the same and that the nice saleswoman would also invest in the products mentioned.

So 10k was invested. The 3% and 4% issue and sales charges were thus paid.

Later, after I got to grips with the stock market, these were liquidated and I switched to Smart Broker for individual shares and Trade Republic for ETFs.

2nd learning what goes up can also go down:

One of my first stocks was $KO (-0,21%) and $ALV (-0,61%) the good $ETSY (+2,11%) . EK was 53€ and about 1.5k was invested.

Etsy went up to 110€ and I made my first 50% partial sale ever. Etsy rose to 240€ and nothing was done on my part. Etsy sinks to 90€ and I got back in with the partial sale. Etsy was finally sold completely at 70€.

My first learning on individual stocks was followed by the second. FOMO:

Cannabis = Bevcanna Enterprise 1.5k invested 99% loss

Independent mining corp. = 1k invested sold with 60% loss.

Today I am very thankful that I only paid 2k in tuition fees. I seriously believe that it saved me from bigger losses in the following years.

3rd learning:

An investment in a pure ETF $VWRL (-0,42%) from the beginning would have given me almost 15k more return by 2024.

I spent 2022 to 2024 reducing a difference of almost 20k, from mistakes made in 2020 and 2021, to my what if portfolio (ETF only). In 2025, however, I settled the amount for the first time to now plus minus zero through my portfolio outperformance.

4th learning:

In all this time, I have been studying the stock market in depth. I don't think I would have gone long with a pure ETF. All the non-fiction books, conferences, streams and videos have also given me a more comprehensive understanding of world events beyond the stock market. I have also made a noticeable change on the subject of money. And no, I don't turn over every penny. My savings ratio is 50% consumption / vacation and 50% retirement provision.

My latest learning:

Being debt free at 29 and having 100k gives you peace of mind. You shouldn't live your 20s in complete consumption, but you shouldn't oversleep either. My trips around the world to Asia, Central America, Europe and Africa, some with friends, some with family, have brought me more than just money.

But everyone is different. I am happy to have taken the middle path.

I have now increased my initial savings rate of €400 per month to €840. However, the €800 for vacations and consumption are just as important to me.

Thoughts on my current portfolio:

Trade Republic:

About the ETFs $IWDA (-0,5%)
$EIMI (-0,22%) and $XSX6 (+0,24%) I don't have to say anything. This is my core investment.

$SGBS (+0,5%) and $GDXJ (+0,46%) are my way of diversifying with gold. When I added gold to my savings plan on December 31, 2024, both positions almost automatically reached the 5% weighting.

What is new $VNA (-2,4%) . I selected these at the end of 2025 together with $O (+0,68%) for my 10% weighting in the real estate sector. For me, Vonovia is wrongly valued too much as an interest rate bet. Fundamentally, there is a lot right with the exception of the debt. I hope for a nice turnaround and even if not just under 6% dividends are very attractive.

As my individual stocks have performed very strongly, my allocation has become unbalanced. The goal is 50% ETFs, gold, real estate, cash and 50% individual stocks.

I won't say anything about my individual shares so as not to prolong the article too much.

Except:

$ALV (-0,61%)
$BATS (-0,15%)
$SHEL (+0,81%)
$GOOGL (-1,1%) are long-term stocks

$AAPL (-0,43%)
$BABA (+2,37%)
$1211 (+0,09%)
$EUZ (-0,4%)
$AXON (-0,96%) medium-term

$OXY (+2,85%)
$ARM (-4,21%)
$UNH (+0,02%) short term bets

and unfortunately I can't get the tracking 100% correct. Getquin crashed in March, which is why only Trade Republic is displayed as the previous value and Smart Broker as the capital invested in March / April.

In addition, due to the change of custody account Sparkasse -> Smart Broker -> Smart Broker plus -> Trade Republic (Etfs sorted out) I had no power to enter everything since 2020

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 (-2,01%)
$KSB (-2,72%)
$NU (-0,93%) and $GOOGL (-1,1%) 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 (-2,72%) has already done quite well, stocks like $P4O (-0,49%)
$GFT (-0,24%)
$SBMO (+0,45%) and $OSIS (+0,43%) 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 (-0,42%) and $TDIV (+0,41%)

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.

There was another special moment at the end of the year: my daughter - 2 years old in March - received her last dividend from 2025. 🥰

On 31.12. she received the distribution from the FTSE All-World ($VWRL (-0,42%)).

💵 0.46 per share for a total of 100.01 shares

Not a huge sum, but another small building block on a hopefully very long road. 💸🌍

What fascinates me again and again: While she is just learning to speak new words, her money is already working for her. 🤯⏳ Time, patience and compound interest are simply a powerful team. And with minimal effort. Every dividend is like a small proof that long-term investing makes sense even on a small scale and for the little ones. 📊🌱

The goal is clear: no short-term gambling, but wealth accumulation over decades. So that she has options later on - whether it's education, travel or simply financial freedom. 💭✨

2025 is now complete ✅

2026 can come - with savings plans, peace of mind and plenty of time 🧘‍♂️📆

#etfs

#dividend

#finanzbildung

#juniordepot

#zinseszins

#vermögensaufbau

Hello dear getquin community 😊

Before I start with my review of 2025, I wanted to check in with you briefly.

I was almost completely inactive here last month. No posts, no replies, at most a 👍 and a quick skim of the content. That was simply all I could do.

The main reason was clearly time. Family comes before ❤️ and anyone who has a family knows how quickly their own resources are used up. Then there was a health incident in the family, which automatically shifted my priorities. My focus was clearly elsewhere: support, be there, help.

Another point is the issue of appreciation within the community. @Multibagger , @Tenbagger2024 and I have already discussed this recently. Many people give a lot here, investing time and energy, while real feedback, recognition and cooperation are often lacking. I would also like to see more impetus, incentives and rewards from the admin side to make commitment worthwhile. As long as there is little movement here, I will deliberately remain a little more reserved.

What many people may not know: This account is not just about me. My husband and I take care of it together 👨‍👩‍👧‍👦 He contributes a lot of work, time and knowledge, but deliberately wishes to remain anonymous. A lot of joint work goes into more complex research such as cybersecurity or batteries as an energy source. In the near future, he will support me a little more in the background, sometimes also on my behalf.

It was important for me to say that openly. The community here still means a lot to me 🤍 even if I can't always be as present as I would like to be.

Review of the year 2025 📊

I started in April 2025, very classically with ETFs. MSCI World, MSCI Emerging Markets IMI, MSCI World Small Cap and Euro Stoxx 50. A solid start to get started.

However, the market movements and general uncertainty quickly made me want to understand more. Not just to save passively, but to make my own decisions. So I started to take a closer look at companies, business models, key figures and earnings and gradually switched to stock picking.

As is so often the case, then came the learning phase 😅

At times I had over 100 positions in my portfolio. Far too many. Too confusing. Too little focus. The consequence was clear: radically reduce, even with losses, to bring structure and calm to the portfolio.

Today I have just over 50 positions and my goal is 40, which makes me feel much calmer and clearer in my head.

Current structure:

Core 61 %

Satellites 17 %

Commodities 10%

Crypto 10 %

High risk 2 %

Regions:

USA 46.5 %

Europe 25.6 %

Asia 16.3 %

Canada and Australia 7%

Crypto consists only of Bitcoin and Ethereum 4.6%

The getquin figures show a clear outperformance compared to the S&P 500 and DAX.

Honestly: This presentation feels too optimistic to me. That's why I show here my own figures, my real development and my learnings.

Top winners 2025 🏆

$IREN (-2,55%) Iris Energy +113 % (~€ 420)

$GOOGL (-1,1%) Alphabet +63.5 % (~€380)

$PNG (-7,63%) Kraken Robotics +78 % (~€195)

$ASML (-0,2%) ASML +35 % (~€110)

Losers and learning decisions 📉

$DRO (+1,14%) DroneShield with a return of around -500 %. The position was very small, the absolute loss was around €60 with a stake of around €80-85. Extreme in percentage terms, easily manageable in real terms.

$1211 (+0,09%) I sold BYD, although I still see the company as a strong player in the field of electromobility. The automotive sector, especially in China, is extremely competitive, the pressure on margins is high and there is hardly any real moat. In addition, there was a stock split and a lot of unrest surrounding the share. My priorities have shifted and the loss was around €50.

$AMT (+3,47%) I sold American Tower because the company is too complex for my approach, offers little growth potential and hardly delivers any returns. It simply no longer fitted my strategy.

$1810 (-1,15%) I sold Xiaomi based on the opinions of several China experts. One expert said very directly that he had been involved with China for years and had never made any sustainable money with Xiaomi. That was the decisive factor for me. The position was very small and a clear learning decision.

The bottom line 💡

Capital invested: approx. 12.000 €

Realized profits 2025: approx. 1.560 €

Return: approx. 13 % over about 8-9 months.

Some of the gains were deliberately realized in order to reduce the tax-free allowance for me and my husband. and my husband. This was a strategic decision at the end of the year. I let small profits run their course and closed larger positions with the plan to rebuild high-quality stocks later in a structured manner.

This puts me around 5 percentage points above the $IWDA (-0,5%)
or $VWRL (-0,42%) . For my first year on the stock market, I am more than satisfied 😊

Conclusion and outlook for 2026 🚀

2025 wasn't a perfect year, but it was extremely instructive. I made mistakes, learned from them and set up my portfolio in a much more structured way. I now know better what I hold and why.

I want to sharpen my focus further for 2026. Less breadth, more conviction. More time for individual companies, less actionism.

Focus 2026: these companies are at the forefront of my mind 👀

I want to sharpen my focus for 2026. Less breadth, more conviction. I am selectively expanding some positions and keeping a very close eye on others for possible entries.

$INOD (-3,44%)
InnoData

Remains one of my clear favorites. The company is located at a crucial point in the AI value chain: data preparation, data structuring and quality assurance. Exactly where many AI projects fail or become expensive. InnoData doesn't benefit from the AI hype, but from the fact that AI simply doesn't work without clean data.

$FEIM (-2,11%)
Frequency Electronics

Frequency Electronics is highly specialized in extremely precise time and frequency systems. This technology is critical for satellites, space, defense and modern communication systems. The barriers to entry are enormous, the development cycles long and the know-how almost irreplaceable. This is precisely what creates a strong moat. Once you are qualified, you usually remain so for years.

$HY9H (+1,9%)
SK Hynix

SK Hynix is one of the key beneficiaries of the global AI infrastructure. Memory is currently one of the biggest bottlenecks in data centers. SK Hynix has positioned itself early and consistently and holds a very large share of the storage solutions currently most in demand. While others have to catch up, SK Hynix is already at the table. For me, this is a structural winner for the next few years.

$VST (-1,68%)
Vistra

An energy supplier that is benefiting greatly from the rising demand for electricity. Data centers, AI applications and cloud infrastructure require enormous amounts of energy. Vistra is positioned precisely where this demand arises. Not a classic tech value, but an elementary building block of AI development.

Watchlist: possible candidates 🔍

$DSY (-1%)
Dassault Systèmes

The topic of digital twins is currently becoming increasingly important. Industry, automotive, manufacturing and infrastructure are increasingly being digitally mapped, simulated and optimized. This narrative is attracting additional attention due to the fact that $NVDA (-1,96%)
NVIDIA and $SIE (-1,42%)
Siemens have entered into a partnership in the field of digital twins. When two such heavyweights focus specifically on this topic, it shows the strategic relevance that digital twins will have in the future. Companies whose core competence lies precisely in this area will benefit in particular. Dassault Systèmes has been deeply integrated into industrial processes here for years and, for me, is one of the clear beneficiaries of this trend.

$6506 (+6,36%)
Yaskawa Electric

Yaskawa is a key player in the field of robotics, automation and drive technology. I find the growth potential in industrial automation and logistics particularly exciting. Rising labor costs, a shortage of skilled workers and pressure for efficiency are driving precisely these solutions. Yaskawa is benefiting directly from this trend.

$9880 (-1,57%)
UBTECH Robotics

A Chinese company in the field of humanoid robotics. Technologically very advanced, with a strong focus on industrial and service-oriented applications. Still clearly high risk, but one of the most exciting companies when humanoid robotics makes the step from the laboratory to reality.

$PATH (-1,27%)
UiPath

A potential comeback story for me. UiPath develops software agents and automation solutions that companies use to make processes more efficient. The customer base is large and the product is mature. If the topic of agents and AI automation comes back into focus, I see significant potential here.

$BC8 (-1,24%)
Bechtle

A German IT service provider with substance. Bechtle benefits from digitalization, cloud conversions and increasingly also from AI projects in the SME sector. No hype, but a reliable beneficiary of long-term IT investments.

Finally, I would like to wish you all the best for the new year good health, happiness in love and good luck with your investments 🍀📈

And now I'm looking forward to your feedback 😊

While the world outside was drifting into the Christmas hustle and bustle and I was consciously spending more time with my parents, little dramas were unfolding at the markets. My class leader $AVGO (-3,04%) lost value, as did the main share portfolio. But honestly? I only really noticed this at the end of the year. The second half of December had long since cast its spell over me, especially Christmas and the time between the years when everything slows down a little. Instead of rushing around, I reflected and did some soul-searching. Meanwhile, the automated systems continued to do their job. Savings plans were running and dividends were flowing.

At the end of the year $LTC (+0%) Properties was the last buy of the year. Alongside $O (+0,68%) and $MAIN (+0,11%) this monthly payer should continue to grow. The business model has a future and I am building something here step by step.

And now enough of the quiet, time for a review.

Overall performance

It was business as usual as I enjoyed the end of the year. Negative effects passed me by, that's just part of it.

My key performance indicators for my overall portfolio at a glance:

• TTWROR (month under review): -0.46% (previous month: +1.40%)
• TTWROR (since inception): +79,52%
• IZF (month under review): -5.23% (previous month: +18.54%)
• IZF (since inception): +10,81%
• Delta: -401.91€
• Absolute change: +616.54€

Performance & volume

$AVGO (-3,04%) gives up 15% and also pulls ahead of other tech stocks such as $NFLX (-1,43%) and $GOOGL (-1,1%) my main stock portfolio down. The other portfolios rise, but cannot compensate for this. That's part of investing. When I look at the top 5, I notice that defensive stocks such as $BAC (-3,77%) and $WMT (+0,18%) are rising slightly again. I like that, it's a stinking boring business model, which isn't sexy at all, but provides me with steady share price growth and a nice cash flow.

The five red lanterns naturally go to the same weakening candidates (by performance). Well, if something is going well, something must be going badly.

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

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

$AVGO (-3,04%) 3.06% (main share portfolio)

$WMT (+0,18%) 1.76% (main share portfolio)

$GOOGL (-1,1%) 1.51% (main share portfolio)

$BAC (-3,77%) 1.50% (main share portfolio)

$NFLX (-1,43%) 1.38% (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

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

$NOVO B (-1,02%) 0.48% (main share portfolio)

$BATS (-0,15%) 0.54% (main share portfolio)

$GIS (+1,44%) 0.55% (crypto follow-on deposit)

$MDLZ (+1,01%) 0.56% (main share portfolio)

$CPB (+1%) 0.58% (main share portfolio)

Top-performing individual stocks

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

$AVGO (-3,04%) : +328% (main stock portfolio)

$NFLX (-1,43%) +101% (main share portfolio)

$GOOGL (-1,1%) +115% (main share portfolio)

$WMT (+0,18%) +91% (main share portfolio)

$BAC (-3,77%) + 81% (main share portfolio)

Flop performer individual stocks

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

$NKE (+0,85%) : -35% (main stock portfolio)

$GIS (+1,44%) -34% (main share portfolio)

$TGT (+1,42%) : -33% (main share portfolio)

$CPB (+1%) : -30% (main share portfolio)

$NOVO B (-1,02%) -24% (main share portfolio)

Asset allocation

Equities and ETFs currently determine my asset allocation.

ETFs: 41.7%

Equities: 58.2%

Crypto: 0.0%

P2P: less than 0.01%

Investments and subsequent purchases

In December, I slightly increased the savings plans from my net salary and reinvestment. I invested the following amounts in savings plans:

Planned savings plan amount from the fixed net salary: €1,040 [previously: €1,030]

Planned savings plan amount from the fixed net salary, incl. reinvested dividends according to plan size: €1,060 [previously: € 1,040]

Savings ratio of the savings plans to the fixed net salary: 50.24% [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: €40.00

Subsequent purchases/one-off savings plans as a cashback annuity from bonuses: € 0.00

Subsequent purchases from other surpluses: € 108.23

Automatically reinvested dividends by the broker: €7.03 (function is only activated for an old custody account, as I otherwise prefer to control the reinvestment myself)

Unscheduled purchases were made on various securities accounts outside the regular savings plans:

Number of unscheduled purchases: 9

40.00€ for $FGEQ (-0,06%)

56.94€ for $ULVR (+0,6%)

88.72€ for $LTC (+0%)

After the Magnum spinoff at Unilever, I sold the booked position a few days too late in order to shift it into Unilever with some cash. It was sold:

37,43€ from $MICC (+3,99%)

Magnum Ice Cream is neither in my freezer nor in my portfolio.

Passive income from dividends

I received € 132.75 in dividends (€ 152.20 in the same month last year). This corresponds to a change of -12.78% compared to the same month last year. The reason for the decline is that distributions from my three large Vanguard ETFs no longer arrived on time. Further key figures:

Number of dividend payments: 32

Number of payment days: 16 days

Average dividend per payment: €4.15

average dividend per payday: €8.30

The top three payers in the month under review were:

$ARCC (-0,45%)

$UPS (+0,94%)

$ULVR (+0,6%)

My passive income from dividends (and some interest) mathematically covered 7.94% of my expenses for the month under review. Acceptable for a weak month with medium-high expenses (by my standards).

Crypto performance

I am currently completely on the sidelines here. It will be a while before I get back in.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows the TTWROR in the current month (and since the beginning):

My portfolio: -0.46% (since I started: +79.52%)

$VWRL (-0,42%) +0.06% (since my start: 66.12%)

$VUSA (-0,64%) +1.00% (since my start: 63.76%)

After outperforming the ETFs last month, I am underperforming this time. 2026 will catch up. 🤗

Key risk figures

Here are my risk figures for the month under review:

Maximum drawdown: YTD: 17.17% (month under review: 1.56%)

Maximum drawdown duration: 702 days [since inception] (reporting month: 26 days)

Volatility: YTD: 12.00% (in the month under review: 1.33%)

Sharpe Ratio: YTD: 0.48 (in the month under review: -3.92)

Semi-volatility: YTD: 9.35% (in the month under review: 0.98%)

The maximum drawdown of 702 days since the beginning is still reminiscent of the tough phase 2022-2023, before the year-end rally started at the end of 2023. In December itself, the decline of 1.56% was marginal and a sign that the major turbulence of the year was over.

My Sharpe Ratio has improved to 0.48 YTD, showing that for every unit of risk, I get almost half a unit of return above the risk-free rate. Volatility has fallen from a wild 28% over the course of the year to a reassuring 12% YTD, while semi-volatility is down to just 9.35%. That shows: My portfolio does fluctuate, but the risk of loss is lower than the overall volatility would suggest. December was particularly quiet with a semivolatility of 0.98%.

What remains? Confirmation of my strategy: think long-term, keep calm and buy when things get cheap. 2025 ends solidly despite weakness.

Outlook

Back in the November review, I announced my investment of the Christmas bonus. Of course, I wasn't talking about money from my employer, but simply what I received for Christmas plus a few pennies I had lying around at home. I posted the reinvestment on the same day in the week between the years.

I also donated a few dividends, the fourth and final donation was made in December. You can read more about this in the Instagram Story. I think donations are important, because those who have should also give something.

I'll end this review with another personal point, which I already covered in the August and November reviews.

Loyal readers of my reviews will know that in the summer I was diagnosed with an aneurysm of the ascending aorta near my heart as a result of a bicuspid and insufficient aortic valve. It was an accidental finding that took some of the danger out of this ticking time bomb thanks to close monitoring, but it is still ticking. When I look back on the year 2025, I realize how this thing has permanently changed my thinking and my approach. Of course, it's an ongoing process, but I'm less likely to fall back into old patterns. Even though the cardiology appointment in December found that the thing hasn't grown any further, which will give me a little more time before surgery, I know the day will come. It's unclear when, but like a meteoroid hurtling towards the earth, there is something on the horizon. You just don't know when it's going to hit. The fact that the 43-44mm has remained stable (and no more) is a gain of time for me that I want to use. I have a lot of plans to develop new sources of income, significantly expand my social media presence, implement new habits, continue to work on my fitness and focus on life and the positive. Despite the diagnosis, 2025 will be a great year for me. And I'm going to go one better in 2026.

Thank you for reading. I wish you all the best for 2026!

👉 You can also read my portfolio review for December on Instagram from January 8, 2026 (and budget review from 9.1.26).

📲 In addition to the portfolio and budget review, there are currently three posts a week: @frugalfreisein

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

👉 How was your month in the portfolio? Do you have any tops & flops to report? Leave your thoughts in the comments!

Number 1 of 2 was the $VWRL (-0,42%) and number 2 of 2 was 250€ in $BTC (+0,25%) .

Are you still planning to buy in January, if so what?

Have you already bought something?

How do you rate the chances this year?

Are you positive or negative?

Hi everyone,

Do any of you have ETFs from Vanguard and have noticed that the distributions have been postponed again? My $VWRL (-0,42%) , $VHYL (+0,2%) and $VUSA (-0,64%) Distributions again came in the new month and not at the end of the old month. Also not on 2.1.26, so one could assume that there was a delay in clearing. But only tonight at Scalable and I'm still waiting for it at Consors.

How is it with you?

VG