Hey, I'm 20 and currently invest €600 a month: €300 in $ISAC (+0,25%) as a basis and € 300 divided into € 75 $FGEQ (+0,17%) and $TDIV (+0,17%) , 50€ $WINC (-0,16%) and €10 each in 10 dividend shares. My aim is for the savings plans to pay for themselves at some point through dividends (in around 15-20 years according to my calculations). I'm now considering whether it wouldn't make more sense to focus more or entirely on growth first in order to build up capital more quickly and then switch to dividends later.

I would be happy to hear a few opinions and ideas from you.

Thank you in advance

Min-Vol ETF $MVOL (+0,21%) bought at ATH, now ~ -200 €.

Thinking about selling + shifting into MSCI ACWI $ISAC (+0,25%) after.

Advantage:

Loss makes my dividends tax-free this year (FSA already full).

Question for you:

Are there any disadvantagesif I do this - or would you take the tax effect with you?

I've been around here for a while, but have never posted anything - so: pants down! 😄

I currently invest:

• 800 € in the $ISAC (+0,25%) - which should form my "secure foundation" in the medium term and grow to approx. 60% of my portfolio.
• 200 € in $BTC (+2,09%) - as an admixture and long-term risk investment.

I have also made a few individual purchases and "gimmicks" to gain experience, but the focus is currently on expanding the portfolio. $ISAC (+0,25%) .

In addition, smaller amounts (€25-50) are invested in shares where I see potential - or simply have hope 😉:

• $AIXA (-0,07%) (AIXTRON)
• $AMD (-2,22%) (Advanced Micro Devices)
• $HIMS (-2,41%) (Hims & Hers Health)
• $CRSP (-6,83%) (CRISPR Therapeutics)
• $DRO (+10,69%) (DroneShield)

I am also betting on some sectoral ETFs in areas that I find exciting. At the moment, things are looking a bit bleak, but in the next 10 to 20 years I can imagine that these areas will do well in terms of sustainability:

• $HDRO (+7,34%) (hydrogen)
• $INRA (+0,69%) (green infrastructure / energy)
• $GLGG (+0,43%) (water supply)

I am a complete career changer - I had zero contact with shares or ETFs before and am now building up my knowledge bit by bit.

My professional background is in research (PhD in chemistry 🧪), so I'm no stranger to analysis, critical thinking and numbers - just not in the financial sector so far.

What interests me in particular:

➡️ How did you build up your knowledge of investing?

➡️ Do you have any book recommendations, sources, YouTubers, blogs or podcasts that have helped you?

➡️ What do you think people should pay particular attention to when they are new to investing?

I'm looking forward to tips, exchanges & maybe even an aha moment or two!

After the post by our good Sina @lawinvest and never-ending complaints about Traderepublic, I would like to point out the current deal from Smartbroker+: when you open a new account and make 6 trades (until October, free of charge), you get a whole $ISAC (+0,25%) as a bonus (84€) - more than our federal government has invested in the retirement portfolio!

Maybe one of you could use it? I'm already there. I didn't get anything from the tip.

Except maybe a reprimand from customer service. 😅

https://get.smartbrokerplus.de/finanztipsmartbrokerplus/?af_ad=&af_ad_id=&af_adset=&af_c_id=558783&af_sub1=1-22cafad4-9270-3f12-8012-5f7092d4faca-a94450&pid=ingenioustechnologies_int&af_adset_id=smartbroker2025kw27-etfdepot-deal-web&af_channel=Affiliate&af_site_id=503757&af_sub2=&c=Finanztip_80EURETF&clickid=1-22cafad4-9270-3f12-8012-5f7092d4faca-a94450&iclid=1-22cafad4-9270-3f12-8012-5f7092d4faca-a94450&utm_campaign=503757_smartbroker2025kw27-etfdepot-deal-web&utm_medium=affiliate&utm_source=Finanztip_80EURETF

$CSPX (+0,07%)
$IWDA (+0,15%)
$EIMI (+0,35%)
$ISAC (+0,25%)
$CSNDX (-0,4%)
$WSML (+0,91%)

$IWDA (+0,15%)
$CSPX (+0,07%)
$EIMI (+0,35%)
$CSNDX (-0,4%)
$ISAC (+0,25%)
$US09258C4188
$VWRL (+0,2%)
$VWCE (+0,11%)
$VUSA (+0,08%)
$VA

U.S. COURT OF INTERNATIONAL TRADE INVALIDATES PRESIDENT TRUMP'S TARIFFS UNDER THE IEEPA - THE PRESIDENT IS NOT AUTHORIZED TO IMPOSE TARIFFS UNILATERALLY.

The President is not authorized to impose comprehensive tariffs under the IEEPA. The Trump administration has already filed an appeal

US court blocks most Trump tariffs, says president exceeded his authority

In a sweeping new ruling, the U.S. Court of International Trade has just blocked President Trump's Liberation Day tariffs, saying that authority is with Congress.

FACT CHECK: While the Constitution grants Congress the power to impose tariffs, Congress delegated much of that power to the Executive Branch in the Trade Expansion Act of 1962, which allows for adjustments to tariff rates without needing Congressional action. Courts have given the executive branch broad authority to negotiate trade, that is until now.

https://www.reuters.com/world/us/us-court-blocks-trumps-liberation-day-tariffs-2025-05-28/

https://www.theguardian.com/us-news/2025/may/28/us-court-blocks-trump-tariffs

https://www.cnbc.com/amp/2025/05/29/court-strikes-down-trump-reciprocal-tariffs.html

https://www.nytimes.com/2025/05/28/business/trump-tariffs-blocked-federal-court.html

2020 started with tr to gain first experience on the financial markets with manageable funds. 600€

many shares with very small amounts...

naaaja...

With $9626 (-1,21%) and $9866 (-3,67%) had large short-term gains in the portfolio during Corona. But just as quickly accumulated losses again due to overpriced speculative assets.

2024 strategy Switch to etf savings plan and diversification of countries and sectors as well as $BTC (+2,09%) admixture.

long-term investment idea:

Energy sector should be a safe bet, as global consumption is increasing annually, not decreasing.

then generally modern technologies

ETF

$ISAC (+0,25%) - Main position 50%

$EXXT (-0,4%) - usa technology boost distributing 30%

$EXSH (+0,35%) - Europe hedge (finance and insurance) distributing 20%

I will continue to buy or sell shares from time to time, depending on whether it is worthwhile or not.

Now you...

Any suggestions?

I am currently using the $ISAC (+0,25%) I am broadly diversified and generally well positioned, but I would like to be able to weight certain regions independently. I am thinking of the following ETF model:

• An MSCI WORLD EX USA, e.g. $EXUS (+0,5%)
• 
  The classic S&P 500 $CSPX (+0,07%)
• 
  An emerging markets ETF, e.g. $VFEM (+0,07%)

My idea would be (savings plan):

• $EXUS (+0,5%) 40%
• $CSPX (+0,07%) 45%
• $VFEM (+0,07%) 15%

What do you think of the selected ETFs? How would you weight the ETFs in a savings plan with a view to the future?

Hey everyone,

Unfortunately, not every sale is a profit - I'm currently down around 30% with BMW, Mercedes, VW and Porsche Holding.

$VOW (-0,71%)
$MBG (+0,71%)
$BMW (-1%)
$PAH3 (+0,07%)

The dividends are nice, but what would you do? Hold or sell?

Alternatively, I would shift them into an ACWI ($ISAC) (+0,25%) to shift them.

Thank you for your assessment!

Greetings Dagobert