$SPY5 (-1,23%)
$VWCG (-0,63%)
$EIMI (-1,06%)
$WSML (-1,22%)
$VJPB (-0,19%)
$CPXJ (-0,38%)

Which of the three allocations do you think is best for a monthly savings plan? Or would you do it completely differently? If so, how?

I'm 30 and have a long investment horizon.

I already have these ETFs as core and don't really want to sell, otherwise I'll have to pay a lot of tax.

I actually planned to take out my private pension insurance in 2024. Not to come, of course. (Or was too lazy)

Since I've seen a lot here, with 2-3% costs, I think I'm still doing quite well.

I took it out at the beginning of 2024 (then only started looking into it after it was taken out).

As stupid as you can be when you're young...

Or it just sounded too good from Tecis...🙈

Once there is the fund-linked private provision at Volkswohl Bund (€110.25 per month with dynamic)

45% $IWDA (-1,04%) MSCI World

25% $EIMI (-1,06%) MSCI Emerging Markets IMI

20% $SMEA (-0,64%) MSCI Europe

10% $CPXJ (-0,38%) MSCI Parcific ex-Japan

And secondly, the unit-linked Rürup pension, also via Volkswohl Bund with the same allocation. (100€ per month)

In fact, I have to say that I imagined it would be much worse. Let's see where I end up. In any case, the costs are only low for the ETFs listed 😂

$CPXJ (-0,38%)

So that we are not only dependent on the USA.

Hello

I wanted to present a more detailed text about my portfolio and my motives behind each of my stocks (wall of text incoming). My depot consists of 2 parts and 3 depots:

scalable capital depot ( my main depot) 47 k €trade republic: created at some point to farm the free share together with my sister 2,5 k€ $IWDA (-1,04%) + 0,25 $MBG (+0,33%) sharesemployee share portfolio 2k $EOAN (+1,4%)
before that, a short note about me :

25 years old, trained as an electronics technician, now a study support program (electrical engineering, who guessed it :D ) from my employer due to special achievements.

besides running 2 small companies (1x IT/hardware-things together with 2 friends runs okay not enough to live but for the time invested quite okay, as another hobby/business candle making-> doesn't really run well but I enjoy it) worked as a journeyman for 3/4 year between training and studies.

investment horizon >20 years but soon partial withdrawal to pay back the final amount of the housing loan (approx. 17k as apartment bought together with sister during training) [money for the apartment was earned by me or my sister herself except for 20k apartment 50/50 my sister and I she pays back more and she gets the rest back proportionally at the end of the loan after the end of my studies loan amount was 100k for 2 people].

now to the relevant part (descending by size in the aggregated getquindepot)

unfortunately no table possible therefore formatted as follows)

NAME of the share, share in the total portfolio, why did I choose it, savings plan available

$IWDA (-1,04%) 9.35 %, will be steadily expanded later as an ageing investment + constant growth, savings plan 80€

$ASML (-3,69%) 7.12%, probably the strongest moat there can be + the future of semiconductors is very secure, not saved for

$EOAN (+1,4%) 6.99% ->employee shares for 2 years with € 360 per year as a gift (209 employee shares)+ bought a little something myself, not saved except as part of the employee shares

$AVGO (-14,32%) 6.01 %, steady growth in almost every product with radio installed, not saved

$OHI (+0,64%) 5.55%, old people's home reit grow old and die we will always have a constant payout, not saved

$BAS (+0,71%) 4.52% chemicals is important but difficult in germany i may soon switch to $LYB (-1,69%) as the dutch take better care of their industry :D, not saved

$IUIT (-2,74%) 4.07%, no way around US IT companies,20€ savings plan

$FNTN (+0,32%) 3.74%,8% dividend distribution from reserves for the time being, no KAP, not saved

$XEON (+0,01%) 3.25%, money market etf as a substitute for call money-> no desire for call money account hopping, not saved

$EIMI (-1,06%) 3.09%, in combination with the $IWDA (-1,04%) to cover the whole world, 45€ savings plan

$SEMI (-4,78%) 2.84%, I am a strong believer in semiconductors, so I like to have a general overweight in addition to asml and broadcom, 20€ savings plan

$BLK 2.72%, leading investment manager of large etf providers, in my opinion good annual growth, 45€ savings plan as in my opinion currently relatively "cheap with a kgv of 19-20

$MBG (+0,33%) 2.44%, there is nothing that can keep up with the best or nothing in terms of quality even before the$DTG (-0,23%) therefore also got 9 truck shares as a "gift" in addition to a very nice div return, not saved

$LHA (+4,2%) 2.06% on recovery after a long dry spell will probably be sold soon because too volatile and difficult business segment, no savings plan

$ALV (-0,79%) 1.85% due to its size, almost no one in the world can avoid a german consistency in the portfolio, in particular it benefits greatly from the riester pension contracts etc., no savings plan

$CPXJ (-0,38%) 1.65% to compensate for the large amount of europe and the USA in my portfolio, €22 savings plan

$PEP (+0,29%) 1.60% big food group nice growth great diversification not just drinks like $KO (+1,67%) no savings plan

$MEUD (-0,59%) 1.57% general europe does not hurt to reduce the usa share in the etfs, 25€ savings plan

$BAYN (-0,27%) 1.48 %, pharma giant and fertilizer as well as seeds nobody on this planet can live without bayer in the long term, no savings plan

$MUV2 (+0,12%) 1.4% large reinsurance company nice even growth but maybe a bit too expensive maybe it will be sold soon and bought again later as it is currently up >50%, no savings plan

$TMV (-0,35%) 1.36% bought for speculation but will soon be taken out as no moat and too small and the product is completely easy to replace-> don't ask me what made me buy it but it is currently even up :D, no savings plan

$AMAT (-4,67%) 1.34% what would semiconductors be without waver?,no savings plan

$HOT (-0,51%) 1.3 %large construction company builds a lot for the public sector and they like to be ripped off sitting it out has paid off after -30% in the meantime, no savings plan

$FORTUM (-1,54%) 1.29% former $UN01 mother and since the uniper used to belong to my employer, you know most of them to the finnish state->can't go bankrupt but unfortunately very high withholding tax and only partially refundable-> out soon, no savings plan

$VNA (+0,23%) 1.28% actually already more getquin once again has synchronization problems) with the housing shortage in germany a defacto nobrainer comes in my eyes to 110% with falling interest rates to old nievau back, about 50 € per month or even bissl more depending on what remains (but only if shares are quoted below 20 €)

$AIR (+0,1%) 1.26% , boing shoots itself down only one relevant civil aircraft manufacturer remains, no savings plan

$PMT (-0,93%) , 1.25% actually solid ride am currently not sure whether selling or topping up makes sense -> bad advice from me what do you advise? no savings plan

$MSFT (-0,32%) 1.16 % still from the early days but stock solid mMn also better than $AAPL (-0,42%) because it is much more broadly positioned and lives not only from the brand but also from the products Azure office + hardware + OS will probably stay forever, no savings plan

$PBB (-1,9%) 1.14% actually good business model currently suffers from few construction loans + high dividend yield without capital tax-> top up, irregular savings plan see $VNA (+0,23%)

$DTE (-0,8%) 1.13% the only viable provider in germany in terms of wireless network + most of us mobile , no savings plan

$DBK (-3,37%) <1% wanted to have a bank in the depot could not decide therefore partly$DBK (-3,37%) and partly $CBK (-2,34%) bought commerzbank is good deutche bank rather less->deutsche bank flies out, no savings plan on either of them

$ULVR (-0,71%) <1% lebnesmittelgroßklonzern remains forever very diversified, no savings plan

$MO (-0,39%) <1% the dead live longer performance is ok may stay for now, no savings plan

$MTX (+0,73%) <1% every fleiger needs at least 2 of them and there are only a few relevant manufacturers, no savings plan

$SIE (-0,88%) <1%, 100gram Siemens 100€ immortal industrial giant remains in the depot forever, no savings plan

$TGT (+2,16%) <1%, convinced that target will come back in some areas in the USA, indispensable, sparplam 45€

$SHEL (-1%) <1% has understood that oil is finite has now a very large e-charging network and a lot of renewable dirt (but brings insane subsidies and profits due to the current political mania for renewables and sustainability protection, no savings plan)

$IBM (-0,58%) <1% no one in banking can get past an IBM mainframe+ very well back in quantum computing technology (possibly a rise to old glories soon), no savings plan

$DPW (+0,05%) <1%, logistik weltmarkführer in einem stark steigendem markt ->I should actually increase TM, no savings plan yet

$G (-1,64%) <1%, eigentlich gute versicherung lohnt sich nicht aber aufgrund der italienischen steuer -> will be out soon, no savings plan

$LIN (+2,76%) <1% gas giant similar to bayer and basf constant growth in its area you could add to it again if it falls a bit, no savings plan at the moment

$VOW3 (+0,93%) <1%, one of the few old utocorporations that i believe will turn around, too bad about mr. diess, no savings plan

$DTG (-0,23%) <1%, spinoff from $MBG (+0,33%) but is doing well may therefore stay, no savings plan

$UN01 <1%, will hopefully come back after the war will be held for the time being, no savings plan

$SAP (-0,93%) <1% absolutely crappy software that unfortunately almost every company (has to) use anyway, especially because of competition $CRM (-0,16%) many times worse, more unstable and far less powerful, no savings plan

$MMM (+1,48%) <1% actually a company I love very much investment but only after all the legal proceedings have been completed, no more savings plan

$FLXI (-0,65%) <1% democratic country with more than 1000000000 inhabitants on the upswing, hopefully soon to be the new china (only in economic terms), savings plan €12

$CCL (-0,72%) <1%, vacations very popular, especially with the rich, only debt ratio is causing him a lot of trouble undecided whether to sell, no savings plan

$UNP (-0,3%) <1%cross-border rail traffic in the USA at some point they will also (rediscover) the importance of the railroad, irregular savings plan

$AR4 <1% actually convinced but the management is a disaster actually out but I don't want to pay a minimum quantity surcharge :D, definitely no savings plan

$QCOM (-2,01%) <1%, there are no other performant processors for cell phones (if someone comes with mediatek please just be quiet they are snot) still builds a lot for the us military, savings plan since 2 months about 50€

$ORI (+1,85%) <1% top versicherung jedoch innerhalb eines sparplanzyklus zu stark gestiegen(10%) damit derzeit zu teur sparplan ausgesetzt

wer es bis hier geschafft hatglückwunsch und danke fürs lesen

ich bin für sämltliche anregungen offen

zu dem punkt weshalb ich die von mir angesprochen en aktien die ich gerne verkaufen würde noch nicht verkauft hab.: bin mir noch nicht sicher was es genau anstelle dessen werden soll und solange gilt immer time in the market >timing the market.

so i would be happy to receive suggestions on what to buy from the positions that will soon be sold.

LG Drööd O Fant