Another strong year with a lot of profit. After a return of around 40% in 2024, I was able to achieve another strong return of 26% in 2025. I was able to realize a large part of the profit with my two Tenbagger shares $RGTI (+0,23%) and $PLTR (-0,17%) but the rest also performed quite well.

Due to the high gains in the two individual stocks, the weighting in my portfolio shifted massively and I took this as an opportunity to really tidy things up.

Portfolio realignment 2026

I would like to share the strategy I am pursuing with you. I have not yet reached the desired weighting, but I am slowly getting closer again.

The strategy is based on 3 different pillars and looks as follows:

CORE: ALL WORLD AND SWITZERLAND(40%)

The core consists of the broadly diversified world ETF $VWRL (-0,08%) (approx. 30%) and with approx. 10% $CHSPI (-0,66%) as an overweight of the home market

GROWTH AND QUALITY (35%)

The second part consists of some quality stocks with solid growth or dividends such as $SREN (-0,53%)
$ROG (-0,26%)
$BION (+0,59%)
$MSFT (-0,21%)
$SIE (+0,49%) and the two trend tech ETFs $SMH (-0,16%)
$XAIX (-0,19%)

TENBAGGER SATS (20%)

Here I look for promising companies that have the potential to multiply and invest small amounts (currently max. CHF 1000). This is of course a high-risk investment, but I try to outperform with these stocks. By selling some of my tenbaggers, I was able to add new candidates to my portfolio.

These are all my potential price rockets:

$PLTR (-0,17%) : my first Tenbagger. Here I have already realized around ten times my investment through partial sales. The rest will remain in the long term.

$RGTI (+0,23%) : my second Tenbagger. I have realized approx. 8.5 times the stake through partial sales. The remainder is also left lying around.

$TER (+0,25%) Chip testing, benefits massively from the AI chip boom.

$CELH Fitness energy drinks with strong growth and expansion into the mass market.

$CRSP (+0,64%) Gene editing with huge health potential.

$MIPS (-4,55%) : Safety systems for helmets. The technology is licensed to numerous helmet manufacturers in the sports and industrial sectors.

$RKLB (+1%) : Rocket launches and satellites and established SpaceX chaser.

$JOBY Pioneer in urban mobility with air cabs and vertical take-offs.

$NU (-0,36%) Digital neobank with enormous scaling potential in underserved markets such as Brazil, Mexico, etc.

$RBRK (+0,82%) Cybersecurity

$IONQ (+0,58%) Quantum computing. Highly speculative moonshot potential for computing power beyond classical computers.

I also hold approx. 5% in Bitcoin

Hello everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (-0,02%)
• Emerging markets, $EIMI (-1,03%)
• AI and big data, $XAIX (-0,19%)

Smaller side bets were added later.

• Armaments, $DFEN (-0,08%)
• uranium, $U3O8 (+0,77%)
• batteries, $BATG (+0,38%)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (-0,47%) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (-3,72%) ,$1SXP (-0,06%) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (-0,32%)
• $VHYL (-0,21%)
• $ZPRG (-0,21%)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0,09%) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (+0,14%) , 34 percent
• $IEEM (-1,29%) , 26 percent
• $XAIX (-0,19%) , 13 percent
• $EXSH (-0,56%) , 26 percent

Side bets with 81 euros per month

• $DFEN (-0,08%) , 62 percent
• $BATG (+0,38%) , 10 percent
• $QYLE (+0,09%) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

Hello everyone, the last few days have once again been about the old topic.

It was about an investment horizon of 20 years and more.

And as I can often see here again and again. A lot of young people here also start with a rather conservative dividend strategy.

Every time I ask myself the question "Does that make sense? ".

To symbolize the strategies in history a little, I have compared three ETFs over an investment horizon of 10 years.

Performance 10 years

$TDIV (-0,33%) 58.50 % (dividend strategy)

$CSPX (+0,07%) 139.26 % ( Conservative)

$XAIX (-0,19%) 201.61 % (Growth Strategy)

Chart from love @TomTurboInvest since 2019 (@TechNav ) (@Dividendenopi )

$TDIV (-0,33%) 122,01 %

$CSPX (+0,07%) 160,03 %

$XAIX (-0,19%) 228,53 %

With a big thank you to @TomTurboInvest 😘

I was amazed at how quickly the Growth ETF recovered after the bear market in 2020. And also from the 🍊 mini crash in April. But of course, this volatility is not for everyone.

Here is an interesting article from

from Gerd Kommer and Alexander Weis

I have only included the conclusion here.

( @All-in-or-nothing It is also mentioned here that the dividend payout is almost always at the expense of performance. And is therefore not really a gift. It also mentions that a dividend strategy has not been more successful over 20 years or more).

Conclusion

Historically, dividend investing has tended to produce poorer returns than comparable investing without a dividend focus. Dividend stocks also offer a significant advantage in terms of risk.

Science and logic see more disadvantages than advantages in dividend-oriented investing.

However, the lack of systematic benefits of dividend investing will not prevent the financial industry, the financial media and an army of financiers from continuing to encourage private investors in the false belief that dividend investing has real, objective, lasting benefits in order to sell expensive products or increase circulation and click-through rates.

If you want to understand the facts in detail in the scientific literature, we recommend the study by Hartzmark/Solomon (2019).

Full article ⬇️

https://gerd-kommer.de/blog/dividendenstrategien-fakten-und-fantasien/

My dears let's go into dialog, I'm looking forward to it.

@Epi
@Iwamoto
@Max095
@Dividendenopi and everyone else.

My dear friend @TomTurboInvest can you perhaps make us another chart over a longer horizon?

You are the professional with the best tools

Today is my 20th birthday and I thought I'd share my portfolio with the GetQuin community.

Last week I passed my final apprenticeship exam as an electrical and building services engineer with a special module in building control technology with an excellent result.

I first got involved with shares and ETFs when I was about 14 years old through various YouTube videos and had already developed a great interest in them. I made my first small investment at the age of 16, which at the time was around €600 in Bitcoin via the Swiss provider Relai (my average purchase price is €23,500)

On my 18th birthday, I opened a securities account with Trade Republic and invested in shares for the first time and immediately set up a savings plan. I continued to save and invest diligently. My savings rate was around €500 per month. I invested in 4 ETFs ($VWCE (-0,07%)
$VHYL (-0,21%)
$IUIT (-0,1%)
$XAIX (-0,19%) ) and various individual shares.

From time to time I added a bit more crypto to the portfolio, but I didn't buy any more this year as the crypto weighting in the portfolio became too high for me and my focus is more on shares and ETFs.

The gold in my portfolio comes from gifts for my birth and first communion.

As I will be joining the Austrian Red Cross as a civilian servant next week and will then only earn just under €950 per month, the savings rate will be reduced to €200 for the time being and will only be invested in $VWCE (-0,07%) and $XAIX (-0,19%) saved. When I see how I manage with the money, I will increase or decrease the savings rate accordingly.

I would be very interested to hear what you think of my portfolio and would also be very happy to receive suggestions for improvement.

I started investing at the beginning of the month and have spent the last three weeks building up a portfolio with the aim of accumulating wealth over the long term. I am now relatively familiar with the topic, have analyzed many strategies and have decided on an approach based on two pillars:

1. growth portfolio:

I invest in broadly diversified ETFs such as the $VWCE (-0,07%)combined with thematic focuses such as $XAIX (-0,19%) and the healthcare sector. I also invest in individual stocks such as $NVDA (+0,13%), $BRK.B (+0,02%) or $TTWO (-0,19%) - the latter deliberately as a small position for the speculative component (GTA VI hype is realistically not entirely irrelevant).

2. distributing dividend portfolio:

Here I am betting on classic dividend stocks. These include the $VHYL (-0,21%), $SPYW, (-0,73%)
$SEDY (-0,61%) as well as individual stocks such as $KO (-0,08%) or $ALV (+0,14%). The aim is to generate a steady cash flow that can be reinvested in the long term.

I am aware that there is no perfect distribution. That's why I'm interested in your opinion:

• Which stocks would you weight higher or reduce?
• Is there anything that doesn't fit in at all from your point of view?
• How do you balance growth and dividends?

I am open to criticism, experience and other perspectives.

Hello everyone,

I have recently started investing and would like to hear your opinions on my investment strategy.

I can save around €3,000 per month. I invest €2,000 of this in ETF savings plans:

• 700 € in the FTSE All-World $VWRL (-0,08%)
• 
  1,000 € in the S&P 500 Core $CSPX (+0,07%)
• 
  100 € in the VanEck Semiconductor $IE00BMC38736 (-0,16%)
• 
  100 € in the S&P 500 Info Tech $IUIT (-0,1%)
• 
  100 € in the Xtrackers Artificial Intelligence $XAIX (-0,19%)

I also invest €1,000 per month in growth stocks.

I am aware that some sectors in my ETFs and even shares overlap. However, as I am deliberately aiming for an overweight in the tech sector, I am following this strategy.

I look forward to your feedback and advice! #etfs
#stockanalysis
#tech
#investing
#growth