First of all:

Thank you for the warm welcome to the getquin community!

Unfortunately, I did not read the HowTo:Portfolio feedback on GetQuin from @DonkeyInvestor

for a detailed presentation only later and this time I'm trying to write in more detail than the first time and to substantiate the decisions I made in order to possibly receive even more precise feedback from the community. 💛

My personal goal is to become completely debt-free and at the same time start steadily building up assets 📈to improve my private pension provision in 2026. I am expressly prepared to take a higher risk in the first year of my investment and am therefore trying out almost everything.

This year, I would like to operate according to the conscious principle of "set and forget" and consciously review my strategy at the end of 2026 between the holidays and adjust it if necessary.

Instead of "keep it simple", it's more likely to be "overenginerring."

I see your numerous tips as the reason for this, for which I would like to thank you again at

@Epi
@Gehebeltes-EFH
@Stullen-Portfolio

@Metis
@Wealth-Accelerator

@Multibagger
@Sunrise-Mantis
@EisenEnte

@PositivePossum
@schlimmschlimm

@Brazzo_Muc and @GoDividend

and my general motto in life:

"Anyone can do simple!"

I think at this point in time, investing with "putting everything into the AllWorld ETF" would only be half as much fun for me and would rather bore me. Everything is still so new and unknown. 🤯

I'll then see whether the different investments were generally a good thumbs 👍🏻 or a very bad thumbs down 👎🏻Idee.

The sum of € 5,071.00 that I have already firmly capped and gradually planned to invest in this first year 2026 has already been completely written off in my mind as play money.

For the necessary diversification (ETF, ETC, individual shares and crypto) in my portfolio, I have taken further INCENTIVES and have switched from the initial €100 per month savings plan to an accumulating AllWorld ETF and have set up an additional savings plan of €40 per month on the same AllWorld ETF in distributing form in mid-January 2026.

In the meantime, I came up with the idea at the end of January 2026 and added the two existing savings plans $VWCE (+0,6%) and $VWGL additional savings plans ($AIQG (+0,8%)
$RENW (+2,04%)
$IGLN (-1,01%)
$BTC (+0,13%)
$VHYL (+0,55%)
$ISPA (+0,04%)
$FGEU (+0,81%) to a total of 9 savings plans with a monthly sum of €300.

Unfortunately, it was already too late to execute the savings plans by direct debit at Trade Republic at the beginning of 02/2026. Therefore, they will now only be executed in the middle of this month.

Yesterday I spontaneously decided to place a €50 single order in bitcoin. I just let myself be carried away by the postings. 🤑

The planned unscheduled repayment (€500 per month) for my car loan has now worked well for two months and will be prioritized in order to actually become debt-free more quickly.

The specific amounts and items invested to date and in the future can be seen in this Excel table.

Regarding the 6 suggestions from you @Epi (Yes, you'll get the promised feedback here), I've given the following thoughts in detail, from which my plan is then based.

Deka funds:

The two savings plans of €50 per month each were already suspended by me and were actively used to service the first savings plan of €100 per month.

In addition, I am now liquidating the two sub-custody accounts belonging to the savings plans one by one and selling €100 per month in order to achieve the best possible average value in the sale.

The €100 is then immediately reallocated in the form of five savings plans per month and reinvested as follows:

Core: 65%

Satellites: 35%

of which:

Clean Energy 10%

AI: 10%

Bitcoin: 10%

ETC Gold: 5%

VWL:

I will keep the monthly €40 VWL on the third sub-deposit with Deka until I develop the motivation to inform my employer of another contract. At the moment I have no need to be in contact with the HR department any more than necessary.

Nevertheless, I have set up an additional savings plan of €40 per month for the All World ETF distributing from February 2026.

I'm keeping the three individual shares plus the Xiaomi bonus share in my portfolio to develop a feel for shares.

No further individual stocks are currently planned. This fits quite well in this respect, as I have to hold the bonus share for a year before it can be sold.

Bonus savings contract:

The premium savings contract with a term of 99 years under the "old law" has an annual investment of €150 per month at €12.50 with a guaranteed premium of 50% plus interest and compound interest. After checking the terms and conditions of the contract, switching to 0 would result in an immediate loss of the premium. For this reason, I have decided to keep the contract.

Saving & winning without savings:

Just as I was about to decide whether to cancel the savings tickets, one of the tickets won €1,000 in January 2026. For this reason, I decided to keep my 10 tickets after all.

A key point of my savings lottery tickets is that I get €480 of the €600 back at the end of the year.

These will also be distributed by me to the 5 selected savings plans in December in the same weighting as for the reallocation from the Deka Depot.

The profit from the savings lots in the amount of €1,000 goes to$XEON (+0,02%) for "max. interest".

Nest egg:

My real nest egg, on the other hand, I keep completely in the call money account so that it is always immediately available to me.

To give me a feel for dividends, I've also picked out three dividend ETFs that I invest €20 a month in.

In combination, these three ETFs ensure that I receive a planned dividend every month. That sounds like a lot of dopamine, at least in theory, so I really like it.

What will actually still be there in 01/2027 from the €5,071 invested is already a 100% profit for me, because after I fell for the game "WOS" 🥶(who knows it?) almost a year ago and blew around 5k on digital crap in 3 months and above all to improve my stove 🔥🪵, this is clearly the better alternative to spend my money on dopamine boosts and pass the time. And being part of a community online at the same time. What more could you want?

So, I'm already looking forward to your feedback. Be honest, I can take it! 🤞🏻

VG

QW3RTY

PS: I could not share my portfolio. The function was grayed out.

While everyone is moaning that the killer temperatures are hitting, I think to myself:

Let the south come to us then. 😎

🏖️ Climate change? Tragic.

🧊 But someone has to supply the air conditioning.

👉 That's why I'm looking at companies like:

• Daikin (JP) $6367 (-0,74%) - Asian cooling gods
• Carrier Global (USA) $CARR (-0,29%) - Does not only air conditioning, but also cash
• Trane Technologies $TT (+0,8%) - Less well known, but ice cold efficient

And if I'm not in the mood for individual stocks, there are ETFs with the whole smart city/air conditioning eco-mix $CITY (+1,21%) or $RENW (+2,04%) or $INRG (+1,82%)

Maybe that will be my "summer slump play".

Instead of sweating - just profit.

Invest ice-cold instead of taking an ice-cold shower.

#Getquin
#InvestierenMitHumor
#KlimawandelPortfolio
#DeutschlandSchwitzt
#KlimageräteAktien
#BuyTheHeat
#DividendInsteadOfDeo

The goal of my post is to give a comparison to the different Clean Energy ETFs and discuss the topic with you in the long run. There is already a good page here at https://app.getquin.com/learn/nachhatlig-investieren-in-2021/

Therefore, I would first go into the topic of Clean Energy in general.

First of all, you have to understand what the framework conditions are and why clean energy is such an important topic. Clean Energy is one of the 17 development goals of the UN, also under the title Agenda 2030 - Transformation of the World.

People as "the center of sustainable development". To better engage people with the UN SDG (sustainaible development goals) targets, there is a strong regional and local focus to drive implementation in concrete activities. An example of this would be: promoting charging stations for electric cars.

As part of the European Green Deal, the Commission proposed in September 2020 to increase the greenhouse gas emissions reduction target to at least 55% by 2030 (emissions and removals) compared to 1990 levels. It considered what measures - including more energy efficiency and renewables - are needed across all sectors, and will initiate work by June 2021 on detailed legislative proposals to implement and deliver the more ambitious targets.

Why 1990? Global emissions of carbon dioxide (CO2) have increased by almost 50 percent since 1990!

--> specifically, the EU wants to be climate neutral by 2050.

What is the Paris Climate Agreement?

Paris Agenda:

The Paris Agreement sets out a global framework to combat climate change: Global warming is to be kept well below 2°C; the temperature rise is to be limited to 1.5°C through further measures. In addition, countries are to be supported in adapting to the consequences of climate change.

This results in strong demand and high investments in renewable energies. What is meant by "clean energy"?

I would classify it into different sectors:

Renewables

- biofuels

- solar

- wind

- Hydropower

- Geothermal energy, etc

Energy transition

- Energy conversion (i.e. conversion technologies, fuel cells, hydrogen technology,etc)

-Energy efficiency

- energy storage

What Clean Energy Indices are available in the market?

- S&P Global Clean Energy

- WilderHill New Energy Global Innovation Index

- World Alternative Energy Index

- Solactive Clean Energy Index

- Nasdaq Clean Edge Green Energy Index

I. S&P Global Clean Energy

Description:

Clean energy companies, primarily those that produce clean energy or are involved in providing clean energy technology and equipment.

Inception date: 2007

Region: global

Number of index components: 83

Weighting methodology: by market capitalization

Top-10 weighting: 48.37% --> Concentration risk of single stocks!

Exposure USA: 39,15%

Rebalancing: Semiannual

ETF Provider: iShares Global Clean Energy UCITS ETF

ISIN: IE00B1XNHC34

II. WilderHill New Energy Global Innovation Index

Description:

Profits from solutions to climate change. Consists of companies around the world whose innovative technologies are focused on clean energy, renewable energy, decarbonization and efficiency.

Launch date: 2006

Region: global

Number of index components: 125

Weighting methodology: Equal weighted

Top 10 weighting: 10.6%

Exposure USA: 26.73

Rebalancing: quarterly

ETF Provider: Invesco Global Clean Energy UCITS ETF

ISIN: IE00BLRB0242

III World Alternative Energy Index

Description:

The largest renewable energy, distributed energy or energy efficiency companies that derive at least 40% of their revenue from alternative energy activities.

Launch date: 2006

Region: global

Number of index components: 40

Weighting methodology: by market capitalization

Top-10 weighting: 65,13% --> Concentration risk of single stocks!

Exposure USA: 36,44%

Rebalancing: Half-yearly

ETF Provider: Lyxor New Energy (DR) UCITS ETF

ISIN: FR0010524777

IV Solactive Clean Energy Index

Description:

Companies actively engaged in the global clean energy industry in various segments of the value chain (clean energy services, original equipment manufacturing, and clean energy production companies).

Launch date: 2020

Region: global

Number of index components: 44

Weighting methodology: Equal weighted

Top 10 weighting: 34.4%

Exposure USA: 33.0%

Rebalancing: semi-annual

ETF Provider: L&G Clean Energy UCITS ETF

ISIN: IE00BK5BCH80

V. Nasdaq Clean Edge Green Energy Index

Description:

Companies that are manufacturers, developers, distributors and/or installers of clean energy technologies.

Launch date: 2006

Region: USA

Number of index components: 44

Weighting methodology: by market capitalization

Top-10 weighting: 55.50% --> Concentration risk of single stocks!

Exposure USA: 78,71

Rebalancing: quarterly

ETF Provider: First Trust NASDAQ Clean Edge Green Energy UCITS ETF

ISIN: IE00BDBRT036

Comment on all indices:

All five indices deal with clean energy, with ishares probably being the best known ETF currently if you look at the charts at the brokers. The problem with the S&P Global Clean Energy Index, however, is that due to the weighting by market capitalization, the top 10 stocks, similar to the Lyxor and First Trust product, make up about 50% of the entire index and so you have a high dependence on individual stocks, which you would logically not actually want to have in an ETF, because otherwise you could also buy 5 individual stocks. In addition, one has an overweighting of the USA with almost 40%.

With Lyxor's New Energy ETF one has with the top 10 over 65% index weighting, diversified goes differently. US exposure at 36%.

The WilderHill index has the broadest exposure to clean energy with 125 small cap stocks and the equal weighting makes it really broadly diversified. The top 10 make up just 10% of the index. The country distribution is really broad across the world. The ETF is still young though, but that doesn't mean it has to be worse than the 5 billion Ishares Clean Energy ETF.

On the contrary, due to the enormous size of the ishares ETF and the small market capitalizations of the index companies, the ishares ETF currently poses the greatest risk of market distortions in my view.

First Trust's product is U.S.-focused (79% exposure!) and thus one has a strong exposure to the U.S., which could help with the Biden infrastructure program. The top 10 make up over 55% of the index weight. USA sector bet I would say.

The L&G ETF is also equally weighted, so it's in the middle of the pack in terms of theme. Top Ten at 23%, the only ETF in the range where Eurozone is overweight in the index.

For me, the winner is the Invesco Global Clean Energy ETF. Looking forward to your comments!