Moin Moin,

I have decided to shift my two ETFs into the $VWCE (+0,14%) . The only question is whether I should do it right at the beginning of the year with regard to the tax-free amount, which would be used up immediately for this year. I was thinking of waiting until the end of the year and then doing everything there. I don't think it's that smart, but I'd still like to ask your opinion.

+ another question about the tax return at Traderepublic, when do you get the document from Traderepublic or do you have to request it? ( sorry will be my first tax return)

additionally approx. 25-50 euros per month in $BTC (-1,51%) . Gladly feedback!

$TMDX (-0,75%)
$VWCE (+0,14%)
$XNAS (+0,12%)
$XDEM (+0,14%)

$VWCE (+0,14%)

Hello everyone,

The replication method for this ETF is unclear to me.

The getquin app shows full replication.

The broker (Traderepublic) shows sampling as the replication method.

How do I find out which one it is?

Basically I am looking for a world ETF with full replication.

Thank you very much!

I am 19 years old and started investing properly last August.

Before that I invested a little money in cryptocoins when I was 15 and haven't touched it since then. I am trying to expand the ETF position with a 500€ monthly savings plan with 70% $VWCE (+0,14%) and 30% $VHYL (+0,14%) . I am also a big fan of dividends and am therefore open to suggestions for dividend stocks. I would appreciate honest feedback about my portfolio thanks in advance.

As a 17-year-old student, my first (full) year on the stock market really went better than expected. Initially, I wanted to invest a small part of my "assets" and outperform my call money account - and I did so successfully. My TWR is 59.67%I think that's really impressive for a beginner.

Now to my investments:

My year got off to a rather negative start with the sell-off of Neotech-Metals $NTMC (+0%) a "tip" from a relative - with a 77% loss, I decided to see this investment as a learning opportunity, which in retrospect was worth it. At least I only lost €126 on my first bet.

Savings plan

Throughout the year, I had my savings plan running at €150 per month:

60€ in $XDWD (+0,14%) -> Later 100€ $VWCE (+0,14%)

45€ in $XMEU (-0,02%) -> Later 50€

45€ in $RBOT (+0,19%) -> Deducted

Since I moved my securities account from Deutsche Bank to ING in April, I no longer have to hold 3 stocks, but can focus on 2.

However, when I turn 18 in April '25, my portfolio will probably move to TR or Scalable.

Investments:

I also had several smaller investments this year $NVDA (+0,64%) investments this year, which I had chosen without any premonition, just because I like their graphics cards. But that was probably the first stroke of luck in my stock market "career".

I also bought more of them:

21.10. 5 x @ 127,45€

16.11. 2 x @ 134,11€

20.11. 3 x @ 139,63€

This brings me to a total of 20 shares and a price gain of 20.12%.

However, this position is slowly becoming too large for me, which is why I will probably realize partial profits soon.

Another new addition to my portfolio were 2 Tesla shares $TSLA (-0,54%) which I didn't even hold for a month, but I was able to take a short-term gain of 27.23%, i.e. €175, which really tastes good in such a short time.

The top winner for me this year was clearly the Apple share $AAPL (+0,19%) which brought me almost 43%. Fortunately, my parents support my interest in the stock market and gave me an Apple share for Christmas instead of an Apple product. In the time since I bought this share until today, it has actually gained 52%, which is of course a great increase in value for a gift. I also received the "bitcoin standard", which is a really great book so far!

So total return is 1632€, of which about 850€ realized.

Goals 2025:

> First, I will probably halve my Nvidia position so that I can buy my first car.

> Leave savings rate at €150 in months without income, increase drastically in months with salary

> More investments in individual shares

> First investments in Bitcoin (I know, volatile, but I'm very interested in the technology behind it)

> Even better financial education, especially with regard to investments

I try to save as much as possible and give up as little quality of life as possible. I am thrifty, but I also like to buy nice clothes or invest in friendships and family, because in the end that is still the most important thing in life!

With this in mind,

A successful year 2025 to all!

I'm thinking about moving from the $VWCE (+0,14%) to the $FWRG (+0,14%) as it has a lower TER. I know it won't make a big difference, but in the long run and the bigger my portfolio gets, it will make a difference of a few euros. In your opinion, why not go for the ETF with the lowest TER? I usually only read about Vanguard here, but not about Invesco. Many thanks in advance.