$MNDY (-4,13%)
$TSN (-2,69%)
$OXY (+0%)
$WULF (+1,87%)
$PLUG (+5,96%)
$RKLB (-4,22%)
$CRWV (-2,63%)
$9984 (-5,14%)
$IOS (-4,17%)
$MUV2 (+0,29%)
$SE (+0,81%)
$NBIS (-8,71%)
$RGTI (-9,29%)
$$BYND (-6,73%)
$OKLO
$IFX (+7,42%)
$EOAN (-3,88%)
$TME (-8,12%)
$VBK (+5,05%)
$HDD (+1,89%)
$ONON (+21,71%)
$JMIA (-1,41%)
$MRX (-0,84%)
$HTG (+3,01%)
$DTE (+0,75%)
$R3NK (-2,33%)
$HLAG (+0,56%)
$JD (-1,1%)
$700 (-0,23%)
$DIS (+1,78%)
$ENEL (+0,11%)
$AMAT (+0,73%)
$NU (-1,83%)
$ALV (+0,65%)
$SREN (+0,34%)
$BAVA (-1,38%)

I am currently in the process of restructuring my portfolio and would be pleased to hear your views.

Total approx. 400 k €currently divided as follows:

• $VWRL (+0,06%) ≈ 55 %
• $JEGP (+0,54%) ≈ 10 %
• $TDIV (+0,6%) ≈ 9 %
• $ALV (+0,65%) ≈ 6,5 %
• $BATS (-0,21%) ≈ 4 %
• $PEP (-0,53%) ≈ 4%
• $BTC (+0,01%) ≈ 9 %

From the beginning of next year, I will start a sabbatical / longer travel phase (1-2 years) and during this time have no income during this time. I plan to start with about 2.000€/2.500€ per month per month.

My aim is to keep the portfolio running for the long term - i.e. clearly return-oriented - but at the same time not be completely tied down completely if investment opportunities arise in 1-2 years.

I am therefore looking for the the right balance between long-term wealth accumulation, liquidity and moderate risk.and I'm curious to know how you would approach this in my situation.

🥷 The term "shadow banks" sounds sinister - and to some extent it is. It refers to financial players that conduct bank-like transactions but are not subject to the same strict supervisory rules as traditional credit institutions. These include investment funds, hedge funds, private equity companies and special purpose vehicles for securitizing loans.

💪 Why did they become so powerful?

After the 2008 financial crisis, regulations for traditional banks were tightened worldwide, while more and more capital flowed into the less regulated sector - where higher returns beckoned. Today, it is estimated that shadow banks handle more than half of the global credit volume outside the traditional banking system.

However, their growing influence increases the systemic risk: if the sector comes under stress, for example due to liquidity bottlenecks or market distortions, shockwaves can shake the financial architecture. Shadow banks are part of the same capital flows, but without the stabilizing buffers of traditional banks.

Conclusion: Shadow banks fill important financing gaps, but at the same time act like an uncontrolled nervous system of the money market. Their growth makes the financial system more flexible - but also more fragile.

🏦 The best-known listed shadow banks include BlackRock $BLK (+1,13%)KKR & Co. $KKR (+1,32%) and Allianz $ALV (+0,65%) :

➡️ BlackRock: The world's largest asset manager, managing over 13 trillion US dollars in capital. BlackRock acts as a financial intermediary and performs tasks such as lending, risk transfer and capital allocation - but without the strict banking regulation. It is precisely this size and systemic relevance that make BlackRock a shadow bank.

➡️ KKR & Co.: Originally a private equity firm, KKR now also lends directly to companies and uses complex financing structures - often with considerable leverage and without traditional deposit protection.

➡️ Allianz: Allianz is active as a massive lender and institutional manager through its asset management division PIMCO. Its activities in structured finance make it an important shadow bank outside the traditional banking system.

All three companies show how shadow banks today are not just niche players, but global market leaders with enormous systemic relevance, many of which operate outside of direct banking supervision.

💬 What do you think? Does global financial supervision urgently need more transparency in this gray market?

Hello everyone,

I was asked by my parents how they should invest around 50k that has so far just been sitting in their bank account. Both are rather risk-averse, which is why I first thought of an All World ETF $VWRL (+0,06%) . They still have about 15 years until they retire and want to make provisions. Are there any suggestions or similar cases here where someone can speak from experience? I was also thinking of a split like 70% $VWRL (+0,06%) 15% $ALV (+0,65%) 15% $DTE (+0,75%) thought. Or just put everything consistently in the All World?

I am grateful for any help. :)

Today, my portfolio broke through the €10,000 mark for the first time.

I've been active on the stock market since the end of 2022, i.e. since the start of my training.

I'm really glad that I started looking into investing back then.

Not only do I enjoy it, but it has also completely changed the way I deal with money and my view of wealth accumulation. 📈

Of course, not everything went perfectly at the beginning.

I often swapped back and forth, sold or bought shares due to short-term fluctuations and sometimes just traded on instinct.

As a result, I also had quite high fees in the first year.

But I learned a lot from that.

I now have a clear strategy that suits me well:

Buy & Hold invest for the long term and give companies time.

Here are two more suitable quotes:

As Buffett said: "Our favorite holding period is forever."

Or as Graham said: "In the short run, the market is a voting machine, but in the long run, it is a weighing machine."

My savings plans:

ETF:

• Vanguard FTSE All-World ($VWRL (+0,06%) )
• Fidelity Global Quality Income ($FGEQ (+0,2%) )
• iShares Physical Gold ($IGLN (+0,32%) )

Equities:

• Microsoft ($MSFT (+0,42%) )
• Apple ($AAPL (-0,75%) )
• Visa ($V (+0,04%) )
• Coca-Cola ($KO (+0,11%)
• 
  Alliance ($ALV (+0,65%) )
• Realty Income ($O (-0,43%) )

Crypto (small share):

• Bitcoin ($BTC (+0,01%)
• 
  Ethereum ($ETH (+1,63%) )

I am very happy about this first milestone and will stay on the ball. 🚀

After everything that's happening on the stock market, it's quite possible that my portfolio value will soon fall below €10,000 again. But that's just part of it. 📉

Hello everyone,

I have cleaned up my portfolio a bit and trimmed it to 30 positions (please ignore the very small positions, it is more expensive to sell them than to keep them). The different ETFs on msci, msci em, dax and NASDAQ are due to historical reasons (sub. Deposits, change from synth. To physical replication, too many taxes with complete change). At the end of the year I will sell the 2 DWS old funds and then have the tax refunded promptly --> grandfathering. I just don't know where to switch to.

I am currently saving:

$TDIV (+0,6%) 250/m

$IWDA (+0,15%) 600/m

$IEMA (-0,29%) 250/m

$EQAC (-0,15%) 250/m

$ALV (+0,65%) 50/w

$KO (+0,11%) 50/w

$PEP (-0,53%) 50/w

$UNH (+3,48%) 50/w

$V (+0,04%) 50/w

$ULVR (+0,19%) 50/w

And I reinvest the dividends from $O (-0,43%) and $MAIN (-0,69%) monthly

I try to have all positions that I want to hold long-term at 2-4 percent (exceptions: ETFs, $EWG2 (+1,64%) and $BRK.B (+1,01%) )

At the moment semiconductors ($AMD (+5,29%)
$PLTR (-3,9%)
$MU (+1,11%) and $MPWR (+0,74%) ) are my "yield positions", which I would like to sell if the price continues to rise.

But at the moment I'm lacking inspiration. What is my portfolio missing in the long term? Which themes could I "play" to achieve short-term returns. Or just leave everything as it is.

I would be grateful for any opinions.

Greetings 👋

After giving a lot of thought to whether I should add to one of my many positions or look for a tidbit, I decided to welcome SAP to my portfolio - one of the few companies in Germany that still has sufficient potential, but is moving sideways this year.

In addition, I will probably be getting rid of some positions soon and cleaning up my portfolio a little by the end of the year - at least that's my plan... The following are the main ones that catch my eye

$PUM (-0,37%)

$LXS (+2,68%)

$PAH3 (+2,25%)

$SIX2 (+2,82%)

Once bought with the idea of dividends and a possible turnaround in mind, I doubt that the situation with these companies will change abruptly and now regard them more as yield killers.

SAP comes in handy as an addition in order to still be able to invest alongside $ALV (+0,65%) and $DHL (+1,02%) another German company in the portfolio.

A silent reader for a long time, now my first post asking for feedback on my portfolio.

# Investment strategy

- Core-Satellite with MSCI World $IWDA (+0,15%) , $SPPW (+0,04%) and SP 500 $CSPX (+0,01%) , $I500 (+0%)

- Monthly investment: € 3,000-6,000 (fluctuates seasonally/because of bonuses and vacations).

- Current monthly savings plans: $VFEG (-0,32%) Emerging Markets 1000€, MSCI World 1000€, Euro Stoxx 600 $MEUD (+0,69%) with 600 € + $EWG2 (+1,64%) Gold and $BTC (+0,01%) -purchases on top without a fixed savings plan.

- Individual shares: US Hyperscaler $GOOG (-1,45%), $MSFT (+0,42%), $AMZN (-1,91%) due to professional proximity, US share deliberately reduced by other stocks, etc. $DTE (+0,75%) , $NOVO B (+1,57%) , $ASML (+1,05%) ,

$ALV (+0,65%)

- Target weighting for alternative investments (gold/BTC) at least 10%.

- S&P 500 savings plan currently suspended as valuations appear too high.

- In future possibly: Max. 10% in speculative individual stocks (max. 2% per security). There are always interesting ideas here in the community

# Targets

1. remaining amount from house loan: due in 5 years € 35k (currently € 600/month charge) + in 10 years € 217k (currently € 1,600/month charge). Due to favorable interest rates (1.3%), I do not make any early unscheduled repayments.

2. building up retirement provision & financial freedom.

# Notes

- I have 2x SP500 and 2x MSCI World because I switched due to high gains and lower TER. It was recommended somewhere because of the FIFO principle for payouts. In retrospect, I would solve this at ING with a 2nd custody account.

- I have my BTC with Bitvavo and am satisfied

- Child custody account: In $TDIV (+0,6%) invested, dividends (~600 €/year) are reallocated to MSCI World to use the exemption order, current custody account value for the 4-year-old: 4,900 €.

- Both employed (41/36 yrs.), gross household income ~€185k/year, wife works 32 hours/week.

- Property value house (new build 5 years ago in a medium-sized state capital), rented and paid-off condominium (600e/m net rent), occupational pension, Riester ETF are not included here.

My tip to the getquin community: Don't forget to live your life while investing :-)

For me:

• Own house -> quality of life is priceless, I can only recommend it to everyone, even if I had to almost completely liquidate my portfolio 5 years ago
• Road trips in the USA/Canada (before child and before Trump) -> countless great experiences
• Ford Mustang GT Convertible (6th gen) -> :-)

I would like to start a completely new portfolio that will primarily revolve around dividends.

As a core I was thinking of $TDIV (+0,6%)

Would you say this is a good core?

If not I would add $VHYL (+0,62%) add.

Additionally I would like to have a CC ETF as a kind of support, probably $JEGP (+0,54%) and or $SXYD (+0,09%)

I would like to represent the NASDAQ with $EQQQ (-0,16%) but I will represent it with $ASML (+1,05%) and $2330 will be added.

Allianz $ALV (+0,65%) and Munich Re $MUV2 (+0,29%) I definitely want to include, but they are too expensive for me financially, so I was thinking of the $EXH5 (+0,33%)

Oil shares are represented by $VAR (-0,02%) and one more.

Do you have any recommendations?

I am thinking about $CVX (-1,8%)
$EQNR (-1,6%) and $PETR4 (-2,01%)

I would also like renewable energies, but I'm not familiar with them.

Do you have any suggestions?

Becoming a defensive company $ULVR (+0,19%)
$D05 (+0,23%)
$O (-0,43%) and of course $NOVO B (+1,57%) Being.

$BATS (-0,21%) I already have in a portfolio, would it be too much of a lump to add $MO (-0,52%) to add to it?

I still have $KHC (+0%) on the watchlist but the split is not going so well, would it be wise to start with a savings plan?

Apart from that $RIO (+1,09%)
$NKE (+1,59%)
$1211 (-1,71%)
$SOFI (+4,08%) and $HAUTO (-1,48%) will be represented with smaller positions.

What is your opinion?

Would you improve anything?

What else would you add, especially in EE and defensive stocks?

Feedback is very important to me here, so far I have just been wandering aimlessly around the stock market without a fixed plan and strategy.

This is my first attempt to build something serious.

Greetings to all Getquins out there!