Shares ETFs savings plans real estate our freedom roadmap

👋 Introduction & background

Hey everyone!

I'm 33, married and dad to two small children (18 months and 2 months old). I've been working in the automotive industry since 2011 and in management consulting since 2019. ⚙️🚗💼

My wife is an engineer and also works in the automotive industry. 👩‍🔧🚗

I've been with getquin since 2022, but so far I've been reading along rather than actively posting. 👀

My wife is currently on parental leave and receives parental allowance. I will go on parental leave in Q2 2026 (also with parental allowance), then she will start working again. This means that only one of us will receive a full salary until the end of 2026 - but we'll still be sticking to our savings and investment quota. 👶💶

💰 Current status:

A good mid-six-figure amount has already been saved in our custody accounts. 📈

👶 Children & investments

For each child, we invested €10,000 in the Vanguard FTSE All World ($VWRL) (-1,73%) invested. In addition, each child receives €150 per month in the same ETF - via junior custody accounts at ING. 📊

💍 My wife's investments

She invests monthly:

- 🌎 500 € in the MSCI World ($XDWL) (-1,13%)

- 💸 500 € in the Vanguard FTSE All World High Dividend ($VHYL) (-1,77%)

📈 My investment strategy

Long-term, diversified and with a focus on cash flow & wealth accumulation.

🔹Core portfolio (ETF & Bitcoin)

€1,000 flows in every month:

- 💵 €600 in SPDR S&P 500 ($SPY5) (-0,9%)

- 🌍 €200 in Vaneck Morningstar Developed Markets Dividend Leaders ($TDIV) (-0,12%)

- ₿ 200 € in Bitcoin ($BTC) (-2,76%)

🔹 Individual share savings plans (€25/ €600 each)

Target per company: €10,000 investment amount.

Currently participating:

$DB1 (+1,17%) , $UNP (-0,55%), $RACE (-2,98%) , $MRK (+0,35%) , $MUV2 (-0,43%) , $DGE (-2,1%) , $DE (-1,35%) , $TXN (-2,33%) , $AWK (-0,46%) , $ADP (+2%) , $PLD (-0,63%) , $HEN (-1,68%) , $ITW (-1,14%) , $UNH (+0,46%) , $LLY (+0,37%) , $BEI (-1,18%) , $MCD (-0,12%) , $DTE (+0,37%) , $WMT (-0,34%) , $COST (+0,33%) , $WM (+0,78%) , $JPM (-0,44%) , $BLK (-0,77%) , $SY1 (-0,2%)

🔹 Cash reserve

💰 Set aside at least €1,000 every month to be able to strike flexibly when opportunities arise.

🏘️ Real estate strategy

We live in our own home and own a rental apartment that pays for itself. ✅

Further real estate purchases are planned. 🏡📈

🎯 Target (15-20 years)

Financial freedom - with the option of part-time or complete independence from employment. Focus on more time for family, projects and quality of life. ✨

How do you structure your portfolios? What is your strategy and what are your long-term goals?

I look forward to the exchange!

Chris@Multibagger

5Mes

Welcome to the active community!
My portfolio is structured in
Normal risk sectors ETF and share savings plans
High risk with small caps
High risk leveraged with derivatives.

So fully focused on maximizing returns

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Fabi@fabsch

@Multibagger Also an interesting approach! Something different from what you usually read here. :-)

Kapital_Koala@Kapital_Koala

Mega set up! 👌😏

My wife and I (childless) do it in a similar way.

Our deposits aren't as high, but we're currently buying our 3rd property to rent out.
In the long term, we both hardly want to work in our early 60s, so we'll see how the next 20-25 years go 😬

@Kapital_Koala Then I'll keep my fingers crossed that your strategy will still work in 20 years' time! But it should be feasible if you are consistent and politics doesn't throw a spanner in the works!

TradingHase@TradingHase

Great introduction and welcome to the active community.
I have just started to tidy up my somewhat chaotic portfolio.
30%-40% ends up in various ETFs.
Only Bitcoin and Etherium are saved monthly with a total of 400.
The rest ends up in a wild mix of shares.
From companies that I am personally convinced of, or quality stocks and many stocks where I was inspired by very interesting reports from the community, because it was interesting to read.
Unfortunately, there are still many more stocks that I'm keeping an eye on, which I also find exciting.

Thank you very much! I think everyone has to tidy up their portfolio at least once because you have to iron out your initial mistakes. It was the same for me. Since the red thread has returned to the portfolio, things are definitely going much better again. I also make individual purchases as you write.

Shares, ETFs, savings plans & real estate - our freedom roadmap ✨📈