I sold the regular one $VWRL (+0,37%) one, I sold it—hopefully that wasn't a mistake

$VALU (+0,18%) or the one with dividends $VALLD (+0,28%)

I'm thinking about whether I should invest my money there now and $VWRL (+0,37%) sell it

As is often the case in life, something always comes up—and this month, it was a spontaneous (and expensive) sofa purchase for our apartment. As a result, we were able to invest €2,500 this month, divided into €1,500 in the $VWRL (+0,37%) and €1,000 in the $LDGL (+0,37%) .

As is often the case in life, something always comes up—and this month, it was a spontaneous (and expensive) purchase of a couch for our apartment. As a result, we were able to invest 2,500 € this month, divided into 1,500 € in the $VWRL (+0,37%) and €1,000 in the $LDGL (+0,37%) .

€200 $BTC (+0,72%)

€1,500 $ASRNL (+2,2%)

€965 $VWRL (+0,37%)

Dear Community,

I felt like sharing my now-finalized strategy again and asking for your opinion on an investment decision.

Like most people, my strategy consists of an ETF plus satellite funds.

Basically, my strategy is focused on building up dividends.

Why?

My goal is to be able to cover my fixed expenses in retirement solely with dividends.

Of course, given my young age, I could also focus on growth and rebalance my portfolio later, but I’d still like to take the “boring” route, since my main interest lies in real estate.

I contribute $VWRL (+0,37%) about €1,200 per month

My individual holdings are topped up with various bonuses from my main job. Goal: to have invested approximately €5,000 in each position.

To still have growth in my portfolio beyond dividend growth, I’d like to add about two more stocks to my current holdings—and that’s where you come in.

Which stocks would you choose?

I’ve been $TSM (-1,77%) because this would allow me to invest more in the Asian region.

As for the second stock, I’m not sure what to choose yet—what would you pick? I was thinking of something American with at least a small dividend that’s growing steadily,

$MSFT (+2,58%) For example, or maybe something completely different.

I’m curious to hear your opinions and look forward to your stock suggestions.😊

Best, Flo

In March 2025, I made a clean break and sold everything; since then, I've been investing in ETFs.

$TDIV (+0,93%) I contribute monthly, and the savings plan is increased annually.

$LDGL (+0,37%) I make annual top-ups.

$VWRL (+0,37%) This is funded through my capital-forming allowance.

$autom (-0,78%)I’ll sell at the beginning of next year—I’ve been using my capital formation allowance to contribute to this.

I want to keep it simple and straightforward. According to AI, it’ll add up to a nice sum by 2040, and I never want to sell this portfolio. What do you think?

Long-term buy-and-hold portfolio focused on a core of global ETFs, supplemented by small-cap stocks, India, and selected high-quality companies. Certain portfolio holdings are locked in and are therefore intentionally excluded from ongoing optimization.

Current savings rate: €1,950/month

€1,000 FTSE All-World $VWRL (+0,37%)
,

€450 MSCI World Small Cap $WSML (-0,68%)
,

€150 FTSE India $FLXI (+0,28%),

150 € Euro Government Bonds $SEGA (-0,09%)
,

€100 Linde $LIN (+0,94%),

50 € Gold $SGBS (-2,75%) and

50 € Bitcoin $BTC.

My goal is to build a broadly diversified long-term portfolio that is continuously optimized. I welcome constructive feedback, alternative perspectives, and engaging discussions on asset allocation, individual securities, and long-term strategy.