Hello dear Getquinners,

I started investing in securities at the beginning of the year.

For many years, we parked our assets in call money accounts, which meant that we lost money for years due to high inflation with (negative) compound interest effects. I now want to change this and have therefore decided to invest some of our assets in the capital market.

We are a family with two small children (aged 1 and 4). We parents are in our mid-30s and in the middle of our working lives.

My goals/hopes are:

• long-term investment >10 years and more
• Inflation protection and (real) asset accumulation beyond overnight interest rates
• If necessary, partial transfer of assets to help the children get started when they come of age

As I don't want to gamble, it should be as "simple" as possible to handle and I am not a daredevil, I have created a "boring" ACWI-IMI portfolio.

We have invested around 60%, the rest is free liquidity, which would last for around 12-14 months without income given our current cost of living. A little conservative perhaps, but that's a start. I also don't want to get scared if the markets take a nosedive.

This is how it looks:

75% core:

• 55% MSCI World $IWDA (-1,55%)
• 10% MSCI World Small Cap $WSML (-1,53%)
• 10% MSCI Emerging Markets IMI $EIMI (-1,04%)

8.5% Precious metals

• Physical gold $IGLN (+3,36%)

15% Satellites with approx. 2% each

• $IB1T (-4,36%) Bitcoin share with high opportunity and high risk. Personally, I am not yet completely convinced of this position, I see the "intrinsic" value of a (this) digital currency as being confronted with major environmental problems and am therefore critical. On the other hand, it is supposed to be "digital gold". We will see in the future what is true and what is not...

• $SEMI (-2,73%) and $XDWT (-2,31%) I believe in the AI boom and growing markets in digitalization, and see growth opportunities there, but also risks. Naturally increases the USA share in the portfolio...

• $$DFEN (-2,45%) : Anti-cyclical position in the current increasingly global conflicts. Defense spending is rising worldwide...

• $WMIN (+1,52%) and $RARE (+1,42%) as a commodity mix in basic materials. See this as an opportunity with risk, but perhaps this also reacts anti-cyclically to weak markets

• $GERD (-0,99%) as a personal experiment, as I have read and heard a lot from Gerd Kommer. Can be seen as a core holding, perhaps as a benchmark to the core. I wanted to give it a try.

I also toyed with $WNUC (-1,01%) but I have to think about whether I really want to invest in nuclear technology (personally subjective thing...). I also read and follow 3XGTAA with interest, but that's too risky for me (for now), for now I'll stay in the World fairway...

Monthly savings installments go equally into the core. I plan to rebalance once a year during the Christmas vacations.

I read a lot in the community and regularly follow the posts. Time and again I also read negative statements about sector and industry bets.

I would be interested to know what you think of my portfolio and why some of you think that sector and sector bets are bad.

Thank you for your feedback and for your consistently excellent contributions to the community!