Hey, I'm Chris and I'm 22 years old!

I am an employed master optician/optometrist and have been investing since 2019. My portfolio :

38% $BTC (+0,7%)

30,5% $IWDA (+0,16%)

8,80%$EIMI (-0,48%)

12,45% $LVWC (+0,31%)

Currently up 18.3%. $BTC (+0,7%) is not included, as this share is on the wallet and I have no overview of buy/sell data.

Assets approx. 28500,-

I am open to tips/opinions.

I am aware of the path dependency of the $LVWC (+0,31%) aware of the path dependency. Therefore, the share is correspondingly lower. $BTC (+0,7%) should be held for the long term.

I also have €1500 in the loss offset pot for shares. I would like to utilize this and am wondering which shares I should buy.... As I no longer do any stock picking. Just the three largest positions from the world ETF?

Hey, I have a question for you: what do you think of my portfolio changes?

I've been on the stock market since January and initially invested in three ETFs ($EIMI (-0,48%) , $IWDA (+0,16%) ,$WSML (+0,07%) ) these positions are now gone. Instead, dividend payers have now been added to the portfolio. Was this a sensible decision (in my opinion there is no right opinion on this subject)?

Hello everyone,

Some time ago, at the beginning of the Iran war, I reorganized my portfolio to make it easier for myself overall.

I sold my individual stock positions with profits and have now switched my portfolio to an ETF structure. I simply want to build up assets for my family for the future without extreme risk and away from conventional call money/accounts. Dividends are not intended as income but rather as annual vacation money for the family to enjoy.

I am currently looking for additions to my ETF positions. Currently led by $XDWD (+0,21%) , $ISPA (+0,16%) , $LDGL (-0,14%) , $EIMI (-0,48%) , $D6RR (+0,08%) I am quite satisfied. All are saved with a total monthly savings plan of EUR 850.

The EM position will also be increased again with the next special payment and price correction in order to further increase the emerging markets.

Which ETFs would be useful to include in my portfolio? Do you have any ideas? I would like both accumulating and distributing.

I am currently thinking of small caps ?

Please do not include the business shares/ Uni Global positions, as these positions are VL and employer shares with 7% dividends.

Best regards

Hello dear Getquiner,

after I explained in my last post why I changed my portfolio to a "60/30/10" portfolio, I would like to show you how my portfolio was structured before.

50% iShares Core MSCI World ETF $IWDA (+0,16%)

10% iShares Core MSCI EMU ETF $CSEMU (+0,08%)

3% Franklin FTSE Taiwan ETF $FLXT (-0,01%)

5% iShares Core MSCI EM IMI ETF $EIMI (-0,48%)

27% Amundi Index GBI Gbl Govies ETF DR $GGOV (+0%)

5% Amundi Index FTSE EPRA NAREIT Global ETF DRC $EPRA (-0,35%)

This structure should roughly replicate the Norwegian Government Fund by holding the respective asset classes as ETFs as a percentage of the real fund, the Taiwan ETF was an admixture, as I held a lot of Taiwan at the time, in the end it basically only contained equities. $TSM (+0,95%) I wouldn't do anything like that today. 😬

The idea behind it was that I would also be able to take advantage of the Norwegian sovereign wealth fund and at some point, like Norway, I would be able to withdraw 3% annually and it would be more crisis-proof than a 70/30 portfolio and have more emerging markets than an All World ETF.

If you want to know more about my new portfolio, check out my last posts where I explain the new allocation.

Now I'm looking forward to your opinion, feel free to write a comment and if you want to see more, leave a follow! 😁

Hello dear Getquiner,

It's been a while since my last post, but I'm now planning to fill this account with more posts and thus gather more knowledge about your comments, because you can always learn something new. 😁

Let's get to the main part of this post, I have changed my portfolio from a "Norwegian Government Fund" to a 60/30/10 portfolio. (both with ETFs)

Why the whole thing? I had hoped that the self-built "Norwegian Government Fund" would iron out crises in the portfolio through the large proportion of government bonds and perform better than a world ETF during this time, unfortunately this did not work on Liberation Day or after the start of the war in Iran. At about the same time as I was thinking about this, I watched a video from Finanzfluss on the subject of the 50/30/20 portfolio (https://www.youtube.com/watch?v=uGimQba7YQA) which I also watched. I also received advice from a friend who has been active in the market for a long time, but in my younger years, if I still have time, I would rather go 100% into equities, as I can simply sit out the bad times and thus have more returns.

After thinking about it for a while, I decided to switch to a 60/30/10 portfolio.

It consists of the following ETFs:

60 %
MSCI World
$IWDA (+0,16%)

30 %
MSCI EM IMI
$EIMI (-0,48%)

10 %
MSCI Europe
$MEUD (+0,18%)

This results in the following regional breakdown after overlaps:

43 % USA, 20 % Europe,
30 % emerging markets

In my case, the USA weighting will be slightly higher, as I also have a few individual stocks. I want to cover the whole world, but as the biggest and "most important" companies are based in the USA but sell to the whole world, I think the USA part should not be too small.

In the next posts I would like to go into my individual stocks and why I also have a relatively large $BTC (+0,7%) share!

So, now I'm looking forward to your opinion, please be critical, I want to know what you would improve or what could go wrong.

Small milestone

Next Step: 50k

After my wedding, the savings plans will be adjusted again to

600€ $IWDA (+0,16%)

350€ $EIMI (-0,48%)

250€ $WSML (+0,07%)

So... Portfolio completely reorganized ... let's see if the optimization brings something....

• $SC0J (+0,09%)
• $EIMI (-0,48%)
• $EWG2 (+0,07%)
• $BTC (+0,7%)
• $WSML (+0,07%)
• .......

Hi, I'm in an "ETF conflict" 😅 I've been saving in three ETFs for some time now: $EIMI (-0,48%) and the distributing $VHYL (+0,04%) .

However, the largest of the three ETF positions is by far the $IWDA (+0,16%) - somehow I've not been so happy with it for a while now and I'm wondering whether it makes sense to move everything from this ETF into the $VWRL (+0,14%) or simply move the savings amount into the $VWRL (+0,14%) from now on...or just stick with the $IWDA (+0,16%) because it won't make much difference in the end? 🤔

Hello dear Getquinners,

I started investing in securities at the beginning of the year.

For many years, we parked our assets in call money accounts, which meant that we lost money for years due to high inflation with (negative) compound interest effects. I now want to change this and have therefore decided to invest some of our assets in the capital market.

We are a family with two small children (aged 1 and 4). We parents are in our mid-30s and in the middle of our working lives.

My goals/hopes are:

• long-term investment >10 years and more
• Inflation protection and (real) asset accumulation beyond overnight interest rates
• If necessary, partial transfer of assets to help the children get started when they come of age

As I don't want to gamble, it should be as "simple" as possible to handle and I am not a daredevil, I have created a "boring" ACWI-IMI portfolio.

We have invested around 60%, the rest is free liquidity, which would last for around 12-14 months without income given our current cost of living. A little conservative perhaps, but that's a start. I also don't want to get scared if the markets take a nosedive.

This is how it looks:

75% core:

• 55% MSCI World $IWDA (+0,16%)
• 10% MSCI World Small Cap $WSML (+0,07%)
• 10% MSCI Emerging Markets IMI $EIMI (-0,48%)

8.5% Precious metals

• Physical gold $IGLN (+0,06%)

15% Satellites with approx. 2% each

• $IB1T (+0,24%) Bitcoin share with high opportunity and high risk. Personally, I am not yet completely convinced of this position, I see the "intrinsic" value of a (this) digital currency as being confronted with major environmental problems and am therefore critical. On the other hand, it is supposed to be "digital gold". We will see in the future what is true and what is not...

• $SEMI (+0,61%) and $XDWT (+0,69%) I believe in the AI boom and growing markets in digitalization, and see growth opportunities there, but also risks. Naturally increases the USA share in the portfolio...

• $$DFEN (-0,34%) : Anti-cyclical position in the current increasingly global conflicts. Defense spending is rising worldwide...

• $WMIN (-0,88%) and $RARE (-1,13%) as a commodity mix in basic materials. See this as an opportunity with risk, but perhaps this also reacts anti-cyclically to weak markets

• $GERD (+0,14%) as a personal experiment, as I have read and heard a lot from Gerd Kommer. Can be seen as a core holding, perhaps as a benchmark to the core. I wanted to give it a try.

I also toyed with $WNUC (-0,69%) but I have to think about whether I really want to invest in nuclear technology (personally subjective thing...). I also read and follow 3XGTAA with interest, but that's too risky for me (for now), for now I'll stay in the World fairway...

Monthly savings installments go equally into the core. I plan to rebalance once a year during the Christmas vacations.

I read a lot in the community and regularly follow the posts. Time and again I also read negative statements about sector and industry bets.

I would be interested to know what you think of my portfolio and why some of you think that sector and sector bets are bad.

Thank you for your feedback and for your consistently excellent contributions to the community!

Good morning and have a nice weekend.

I have noticed for some time that two of my positions

$TDIV (+0,07%)

$SGBS (+0,04%)

have price movements outside trading hours and also at the weekend.

I am of the opinion that this did not exist in 2025, at least not at the end of 2025.

There was no movement at night or at the weekend.

In contrast to

$IWDA (+0,16%) and

$EIMI (-0,48%)

they have no movement.

Is this new since 2026, or have I missed something?

Yours sincerely

Carsten