Postos
331Starting with some $HIMS (-26,15%) since it dropped so much might be a good time to get into it.
Also thinking about $NU (-11,11%) but idk what it is, might start doing some research about it aswell to see if it’s worth it or not
And to finish it off adding some more $VWCE (-0,92%) to my portfolio
Do you guys like this idea ? And also if you guys have any opinions about $NU (+0%) i’m all ears !
I know this might sound extreme, but it’s the truth: if you’re not investing, you’re losing money every single day. And I’m not talking about missing out on the latest “hot stock” or some get-rich-quick scheme—I mean something much bigger and more fundamental: inflation.
💸 Cash Loses Value Over Time
Think about this: How much did a coffee cost 10 years ago? What about rent, groceries, or fuel? Prices go up every single year due to inflation, meaning your money’s purchasing power is shrinking if you’re just keeping it in a bank account.
Let’s look at the numbers:
If you had €10,000 in a bank account in 2015, it could buy you much more than what the same €10,000 can buy today.
With average inflation at 2-3% per year, in a decade your money loses 20-30% of its real value.
Right now, inflation in Europe is hovering around 3%, and in previous years, it was even higher.
This means that keeping your money in cash is actually a guaranteed loss.
📈 Investing = The Best Way to Beat Inflation
So, how do you protect yourself? By investing in assets that grow over time.
Here’s why investing is essential:
✅ Stocks and ETFs have historically returned 7-10% per year, easily beating inflation.
✅ Real estate generates passive income and appreciates in value.
✅ Dividend stocks and ETFs provide cash flow, making your money work for you.
✅ Compounding means that even small investments today can turn into serious wealth in the future.
The best part? You don’t need to be an expert or have a fortune to start investing. Even €100 per month invested consistently can make a massive difference over time.
ETF Examples That Beat Inflation
If you’re new to investing, ETFs (Exchange-Traded Funds) are one of the best ways to get started. They provide diversification, lower fees, and solid long-term returns.
Here are some great ETFs that have historically outperformed inflation:
🚀 S&P 500 ETF ($SPY (-1,26%) / $VOO (-1,28%) / $CSPX (-1,14%) ) – This ETF tracks the 500 biggest U.S. companies (Apple, Microsoft, Tesla, etc.) and has returned an average of 10% per year over the last few decades.
🌍 Vanguard FTSE All-World ($VWCE (-0,92%) / $VWRL (-0,91%) ) – A global ETF that covers large and mid-sized companies worldwide. Perfect for broad diversification.
💰 iShares MSCI World ETF ($IWDA (-1,03%) ) – A strong alternative to VWCE, investing in developed markets globally.
📈 Dividend ETFs like $VYM (-0,5%) or $SPYD (+0,62%) $ – Great if you want passive income, as they pay quarterly dividends.
Real Numbers: Why Waiting Costs You Thousands
Let’s compare investing now vs. waiting 10 years:
If you invest €10,000 today, and it grows at 8% per year, in 20 years it becomes €46,600.
If you wait 10 years before investing, you’ll end up with only €21,500—less than HALF!
The difference? Not how much you invest, but how early you start.
⏳ The Biggest Mistake: Waiting Too Long
Many people say:
"I’ll start investing when I have more money."
"The stock market is too risky right now."
"I’ll wait for the perfect moment."
But the truth is: there’s never a perfect time. The most important thing is to get started and stay consistent.
Even if you only invest €50-100 per month, you’re already ahead of 90% of people who never invest at all.
🚀 Take Action Now!
If you haven’t started yet, now is the time. Inflation isn’t slowing down, and every year you wait, your cash loses value.
📌 What’s stopping you from investing?
(Follow me for more investing insights, ETF picks, and portfolio updates! 📊)
In this fund I have a gain of 58% matured after around 3.5 years .. so I cash in the gain
the fund is LU1341630033
its an equity USA fund at accumulation and I would like to invest in a global etf with lower ter as possible which includes a % of Emerging markets …
is $VWCE (-0,92%) the right choice ? I will not touch the fund for at least 10-12 years and I can consider adding something semi annually .
This will be (except some bonds i already have )
the only accumulation part of my portfolio which is following a dividend strategy .
thanks !
Sodala, I've narrowed down my portfolio a bit and tidied up the savings plans.
Biggest shifts in the last few weeks:
MSCI World -> FTSE All World
AI & Big Data -> Nasdaq100
Random Ass Gold ETC -> Euwax Gold 2
Altcoins/Shitcoins -> Bitcoin
Larger multiplier for TR Saveback
I'm out of the "Poah, the theme ETF sounds cool, savings plan 50€ IMMEDIATELY" phase and I have to say, such a narrower portfolio somehow looks nicer too lol. I only kept a classic sector ETF savings plan, I just like it. The savings rate isn't really high either, you can just see what happens.
Here are the updated savings plans, feel free to add your comments. I like mustard
Monthly savings plans:
1.Nasdaq 100 $XNAS (-1,52%)
(Acc, incl. PA): 305 €
2.FTSE All World $VWCE (-0,92%)
(Acc): 100 €
3.Future of Defense ETF $ASWC (-2,25%)
(Acc): 75 €
4.Gold: 50 € $EWG2 (+0%)
5.Crypto:
-$BTC (+0,09%) : 100 €
Hello everyone,
I am 25 years old and am saving for my retirement - so my investment horizon is still very long. Because of my age, I'm prepared to take a higher risk.
My portfolio currently consists of:
I am now considering whether it would make sense to $DX2D (-1,3%) be included. I am particularly interested:
What opportunities and risks do you see with $DX2D (-1,3%)
Assuming a risk-averse strategy, how would you structure the percentage allocation of my portfolio?
Other suggestions or food for thought are also welcome.
I am currently saving all €50 per month. I'm not sure about the allocation and would be grateful for any food for thought. I am definitely willing to take risks; I have experience with volatility as I have been involved with Bitcoin for some time. Unfortunately, I always sold everything back then because I didn't have a plan or strategy. I am aware of the swap risk and the dependency. I'm currently watching a lot of videos from Finanztipp and Finanzfluss.
I am grateful for any comments, food for thought and your opinion.
Thank you very much in advance and have a nice evening 🫶
I switch to the $VWCE (-0,92%)
A little over 1k tax is unfortunately due, but sooner or later it has to be anyway.
I'm fed up with Amundi.
Hello to the community ✌️
I am new to this platform and would like to introduce my portfolio to you. I am more or less a newbie on the stock market. During the first corona lockdown, I started to get involved with the stock market. Towards the end of 2021/beginning of 2022, I opened my portfolio. I watched a lot of YouTube videos, read books and looked into finfluencers. Since then, I have been diligently buying and selling shares. Of course, I also had to learn a lot - and after three years of "stock market experience" I'm still paying, but fortunately not as much!
I recently discovered the Getquin platform and have been diligently reading posts and comments here. I'm curious to see what the more experienced among you have to say about my portfolio. I hope to gain a lot of added value from the platform and am therefore looking forward to numerous tips and suggestions for improvement.
Before I became intensively involved with the stock market, I had already saved a certain amount of money. Originally, this money was intended as equity for a condominium. But then came the coronavirus crisis, and during the first lockdown I decided to "spend" it on the stock market instead.
At first, like probably many beginners, I randomly bought whatever YouTubers and finfluencers recommended - without any real knowledge or experience. A good friend told me at the time: "Invest all your money in the $IWDA (-1,03%)
and just let it run." But I had skepticism, fear and a lot of "But, but, but..." in my head. That's why I initially only invested a portion and later switched to the $VWCE (-0,92%) to achieve a broader diversification. At the same time, I regularly bought and sold individual shares, etc....
Initially, my focus was strongly on dividends and dividend yields, but since last year I've been increasingly concentrating on growth stocks, so I haven't bought the $VWCE (-0,92%) not bought any more for the time being. I want to change that over time and weight the ETF even higher
My current portfolio:
It currently consists of 36 positions:
- 1 World ETF
- 35 Individual stocks
I would like to reduce my portfolio to 30 positions or fewer in order to be more focused.
My strategy:
I plan to hold approx. 18-20 shares as growth stocks as growth stocks. The remaining positions should be dividend growth stocks be dividend growth stocks.
The technology/semiconductor sector has been weak recently (apart from Palantir), but I am convinced that it will outperform the market over the next few years. I would therefore like to hold this sector with 30-35% of the portfolio of the portfolio.
$PLTR (-3,33%) is my largest position, but I have been thinking about liquidating it for a few weeks now because the valuation now seems to me to be beyond good and evil. However, I am actually a friend of letting profits run.
With REITs I'm still undecided as to whether I should liquidate them or keep them for diversification.
$DHR (+1,24%) Over time, I would like to replace$SYK (-0,56%) but no suitable opportunity has yet arisen.
$NOVO B (+5,32%) , $ASML (-0,72%) , $ALV (-0,14%) and $MC (+0,4%) should cover my European block. With these 4 stocks, I am optimistic that things will pick up again in the near future.
Planned portfolio allocation for the next few years:
TECHNOLOGY / SEMICONDUCTORS 30%
HEALTH 20%
FINANCES 15%
CONSUMER GOODS 15%
CONSUMER STAPLES 10%
INDUSTRY 5%
REITS 5%
I am looking forward to your tips and opinion, and maybe you have any stocks to add to my portfolio🫡 and sorry for the full text 😅
Have a nice evening 😬
Hi all,
I'm new on the GQ community and started looking into investments roughly by the end of November last year. I’m in my early 30s and currently have a modest portfolio that I manage using a buy and hold strategy, focusing primarily on long-term growth with a small portion allocated to more speculative stocks I believe in (I'm in the field of AI myself).
The bulk of my portfolio is in a world ETF for simplicity and stability ($FWRG (-0,97%) , which I prefer since it's new and has a lower TER than the $VWCE (-0,92%)) with a smaller speculative portion for fun, like some positions in $NVDA (-3,63%) , $ASML (-0,72%)
$XAIX (-2,35%) ).
Beyond the numbers in my portfolio, I have also saved enough to cover around 1.5 years of expenses as an emergency fund, plus extra funds for legal fees and a potential down payment for a house next year. This is why my investment capital might seem modest for now.
For additional liquidity and some testing, I also use Go&Grow from Bondora to generate some extra cash flow at 6.75%, which is far better than my bank’s 1.8% after-tax rate. I briefly considered Trade Republic’s savings account, but the interest rate keeps declining, and since I may move countries in the near future, I decided against it. Based on reviews and customer support feedback, moving countries with TR can be complicated. Instead, I’d rather take a slightly lower return but keep my cash more accessible—the bulk of it in my bank account (even if below inflation) and a "testing" component in Bondora, despite it not being covered by EU deposit protection.
My current strategy for now is to maintain a 70-80% allocation in $FWRG (-0,97%) and keep the rest in speculative stocks / ETFs for "fun". I’m planning to contribute €800-1000 per month on average to my portfolio (just for ETF/stocks part, not for cash) throughout this year.
Since my investment horizon is long-term (retirement-focused), does it make sense to continue with this buy-and-hold approach? Should I consider any adjustments (like simplifying the portfolio further, I know it's not very diversified, or adding other speculative stocks by keeping the 80:20 allocation), or am I on the right track?
Would love to hear your thoughts.
$RHM (-1,89%) is for me, the strongest individual position I have, and I would like to keep putting money on it, same as $LDO (-2,25%) . I do believe in both of them to perform well.
My $VWCE (-0,92%) is getting another 100€ to it, as this is the one I want to grow further.
Now, as for $NVDA (-3,63%) and $TSM (-0,58%) I have no idea. Probably won't move then around.
Overall, it was a solid month since I bought this positions, and I'm happy for it.
Everybody is telling me that ACC always wins over DIS on the total return, but I have created 2 test portfolios here in Getquin with the following parameters:
Capital: 350.000 euro
Investing date: 01/01/2022
one portfolio containing only $VWCE (-0,92%) and the other only $VWRL (-0,91%)
To keep it simple:
The screenshot clearly shows a win for the VWRL-distributing version.
How do you explain that?
Principais criadores desta semana
