2025 I shared our freedom roadmap with stocks, ETFs, savings plans & real estate here. 📈🏡

Over the Christmas period, I deliberately took time to think and reflect on what is really possible at the moment - and what is not. 🤔

With two small children 👶👶 and an upcoming parental leave 🍼, it became very clear to me:

👉 My previous strategy cannot be continued in a sustainable way.

🔙 Looking back: Focus on dividends since 2022 💸

Since 2022, I have consistently focused my investment strategy on dividends. 🌱💰

The aim was to achieve a steadily growing cash flow through many high-quality individual shares - in a long-term, structured and disciplined manner. 📊

This strategy taught me a lot and worked well. ✅

But: strategies have to fit the phase of life - and this is exactly where something has changed for me. 🔄

⏳ Time is currently my scarcest commodity

The large number of individual stocks was exciting 🤓📊, but:

- they require regular analysis 🔍

- continuous maintenance 🛠️

- and permanently tie up mental capacity 🧠

I currently want to consciously dedicate this time to my family.❤️👨‍👩‍👧‍👦

In addition, I don't think it makes sense to save a large number of individual shares "blindly" via a savings plan without being able to give each position the attention it actually deserves.⚠️

🔄 Consequence: radical simplification ✂️

At the beginning of the year, I therefore sold more or less all individual shares,

except for five remaining positions 📉➡️📊

I am shifting the amounts that have been freed up into the

Vanguard FTSE All-World ($VWCE (+0,36%)) 🌍📈 in tranches.

➡️ Yes, perhaps boring 😴

➡️ But:

- maximum diversification 🌍

- Strong risk/return profile 💪

- Minimum time required ⏱️

And that's exactly what suits my current phase of life 👌

📊💰 New savings plan structure

My current monthly savings installments are now as follows:

- 1,000 € in $VWCE (+0,36%) 🌍

- 200 € still in $BTC (+1,46%) ₿🚀

I deliberately use the €600 from the former individual share savings plans to build up liquidity so that I can take targeted action in temporarily weak market phases 📉. 🛒💥

📅📈 First tranche already invested

The changeover is not just theory, it has already started 💪

On 02.01.26, I invested the first tranche in the $VWCE (+0,36%) 🌍 invested the first tranche:

👉 516 shares at €145.50 each

Further tranches will follow 📆➡️📊 - calm, structured and stress-free 😌

💸 Staying in dividends - but efficiently 🌱

I'm not giving up my dividend strategy completely ❌,

but will continue to pursue it for the time being via the $TDIV (+0,73%).💰

The change in the composition in December 2025 in particular led to the inclusion of some very interesting dividend companies, which makes the ETF still attractive for me at the moment. 👍

🏡💎 Other strategies remain unchanged

Important: Everything else remains unchanged:

- Wife & children 👩‍👩‍👧‍👦: Savings plans and ETFs continue

- Real estate 🏠: We are in the process of adding another property to the portfolio

- Crypto ₿: $BTC (+1,46%) -Savings plan continues as before

So only my personal individual share strategy is changing, everything else remains stable.✅

🔮 What happens next?

I'm deliberately leaving it open as to whether I will focus more on individual stocks again at some point 🤷‍♂️

If I do, then only

- with sufficient time ⏳

- with significantly fewer positions 🎯

- and with clear conviction 💡

For me, the current situation is very clear:

Simple ✅ | Robust 🛡️ | Family-compatible 👨‍👩‍👧‍👦

beats complex ❌ and time-consuming ⏱️

👉Have you already had to adapt your strategy to new phases of life? And if so, how exactly?

Dear Community,

At the end of the year, I would like to share my portfolio and my strategy with you.

I am 38 years old, have been in the stock market since 2024 and am aiming for financial freedom at the age of 58. Time will tell whether that will work out... 😉 I'm not investing to maximize my profits, but to be able to live a relaxed life in the long term. To this end, I have deliberately separated my investments into two portfolios with a clear purpose.

Portfolio 1 - Growth (ING)

$VWCE (+0,36%) , $XNAS (-0,82%) , $WGLD (-1,09%) and as an admixture some Bitcoin via ETP $IB1T (+2,66%) .

This portfolio is saved monthly until 58 and then remains more or less untouched.

My savings rates would be:

800€ $VWCE (+0,36%)

375€ $XNAS (-0,82%)

150€ $WGLD (-1,09%)

0€ $IB1T (+2,66%) - Position is currently at 10% and should rest for the time being

Portfolio 2 - Cash flow (SC)

Here I am investing via 2 dividend ETFs ($VHYL (+0,84%) , $TDIV (+0,73%) ) and selected quality stocks to build up a steadily growing cash flow. All distributions are reinvested equally in the ETFs. Furthermore, a small cushion is built up here via $XEOD (+0,04%) is built up here.

My savings rates would be

250€ $XEOD (+0,04%)

200€ $VHYL (+0,84%) - Start January 26

200€ $TDIV (+0,73%) - Start January 26

425€ Individual assets (as required, no savings plan, no obligation)

My individual stocks:

Allianz $ALV (-0,77%)

Munich Re $MUV2 (-2,94%)

Procter & Gamble $PG (-1,3%)

PepsiCo $PEP (-0,87%)

Johnson & Johnson $JNJ (-0,04%)

Novo Nordisk $NOVO B (+1,14%)

Lime $LIN (+0,83%)

ADP $ADP (-1,74%)

Waste Management $WM (-1,55%)

Siemens $SIE (+0,93%)

Accenture $ACN (-3,57%)

Alphabet $GOOGL (+0,93%)

Itochu $8001 (+0,64%)

visas $V (-1,75%)

No speculation, no trading. For most people here, extremely boring... 😴 But hopefully the selection will bring some stability to the portfolio in turbulent times. 😉

For the time being, we will stick with these stocks and gradually buy more when good opportunities arise. Each individual position will of course be capped later and should make up between 2-3% of the portfolio (including the proportion within the ETFs). Alphabet would be an exception.

The reallocation idea

Nothing is invested from 58. The plan is to reallocate around 5 % annually from custody account 1 to custody account 2. In this way, growth is gradually converted into cash flow - without significant erosion of assets. And in the best-case scenario, my growth portfolio can continue to grow. I consciously accept taxes 😉

Thank you for reading and have a successful 2026.

P.S. My allocation doesn't fit yet because I've been focusing more on my individual stocks in recent weeks. Chart is also not meaningful because of ING Autosync and Itochu split 🥲

I gave myself a belated Christmas present

$VWRL (+0,67%)
$VWCE (+0,36%) I have left out my ETF! First, so that my core reaches the 50-60% again as a solid basis, and the rest of the overperformance is regularly reallocated.

The money comes 50% from sales and 50% from my cash holdings.

The year is drawing to a close and my $O (+0,6%) is at 1k portfolio value. The roadmap for 2026 is to push the existing ETFs. $VWCE (+0,36%)
$IUIT (-0,63%)
$TDIV (+0,73%) $IAPD.

Some of you have probably already come across one or two posts (of the few I've written so far) - but now I've also realized: It was cheeky to simply deliver content without introducing myself briefly and concisely:

I'm around 50 and have been self-employed in the world of shares since November of this year (so still very fresh). I was previously (and still am) a customer of a Riester-subsidized investment fund. Now I've entered the world of shares without any in-depth knowledge, probably with a rough idea of a strategy (dividends and growth), but still without a plan. On the one hand, my aim is to somehow earn a few euros in the short term with one or two individual shares (perhaps also with derivatives if I dare?), but in the medium term to invest mainly in dividends in order to have a basis here over the next few years that will improve my pension somewhat.

I will probably never achieve complete financial freedom, as the available free capital is not large enough to hope for the moment when this might happen. As a single father currently earning his own money, the money that comes in goes more towards the family and their livelihood. Nevertheless, there are one or two euros that will flow into one or two ETFs or individual shares via a savings plan.

The plan for 2026 therefore looks like this $XAD5 (-1,1%) as a commodity ETC, ETFs such as $ZPRG (+0,4%)
$VHYL (+0,84%) and the $VWCE (+0,36%) will be saved. In addition, individual shares such as $ALV (-0,77%) and $DHL (-0,02%). For the time being, there is not enough free capital to generate meaningful savings rates.

The aim of the game will be to generate monthly dividends in the lower 3-digit range on average by the time you retire. But there are still 17 + x years until then (depending on political direction).

I am curious to see whether this plan will work out and can be adhered to. Until then, I look forward to benefiting from your tips and experience, both passive and active...

A Merry Christmas to you all and a good start to 2026 with, above all, health and contentment with yourselves. As you know, everything else can be sorted out somehow :-)

Hello everyone,

This is my current portfolio. The aim is to achieve a ratio of 60% etf, 35% equities and 5% crypto (gold is physically held in the bank safe). The ACWI is saved via my custody account for my daughter and can be excluded from the overall view. The choice of the all world and gerd kommer ETFs is also a conscious one.

If the German dividends have been paid by May, my plan is as follows:

50% DHL sale

Sell 100% of VW, BMW and eON to minimize the German lump. The proceeds are to be redistributed as follows.

50 % $VWCE (+0,36%)

30 % to the msci urilities

10 % in the $DMAG (+1,1%)

And 10 % in $PNG (+6,17%)

This is followed by adjustments to the savings rates.....

Comprehensible plan? I think I'll be even safer or more diversified this way and have a bit more fun, but no chocolate ....