Hello Community,

I thought it was time to post my portfolio again and what adjustments and plans are still taking place for the year 2025.

My portfolio currently consists of the classic $IWDA (+0,64%) , $EIMI (+0,13%) and the $CSNDX (+1,22%) .

Further additions are $WGLD (-0,67%) and $BTC (+0,26%) only.

My remaining satellites are targeted additions in order to expand the focus to Europe and Japan on the one hand and to provide a yield boost in the portfolio on the other.

I currently continue to invest in all ETFs, gold and Bitcoin on a monthly basis.

Upcoming changes:

I will move a portion from the call money account to the $XEON (-0%) into the

It may be planned to make another additional purchase at $NOVO B (-0,7%) is planned.

expected new additions this year:

$PANW (+1,93%)

$ISRG (+1,9%)

$RKLB (+2,13%)

These are also joining the ranks as targeted satellites and, for me, represent three further interesting, fast-growing and sustainable sectors.

Have a nice weekend :)

LG

Paul

$CSPX (+0,72%)
$CSNDX (+1,22%)
$EXI2 (+1,23%)
$IWDA (+0,64%)
$EIMI (+0,13%)

A dozen states filed suit against President Donald Trump and his administration on Wednesday, seeking an injunction declaring the new tariffs on foreign imports illegal.

http://cnb.cx/3GobGdW

• The president does not have the power to raise taxes on a whim, but that's exactly what President Trump has been doing with these tariffs," New York Attorney General Letitia James said in a statement on the lawsuit.
• The suit was filed in the U.S. Court of International Trade.
• Since taking office, Trump has issued a series of executive orders imposing a range of tariffs on foreign imports, including a 145% tariff on products made in China.

Hey guys,

I've been using an ETF savings plan for about 4 months now - unfortunately I gambled a bit on individual stocks before that, so I learned quickly.

I'm currently running monthly:

• $IWDA (+0,64%) - 400 €

• $EIMI (+0,13%) - 240 €

• $WSML (+0,49%) - 140 €

In total €780, and I actually feel comfortable with that.

But: I'm thinking about adding a 4th ETF - e.g. Amundi STOXX Europe 600 or a Europe Small Cap.

What do you think?

Does it make sense to cover Europe separately or is the share in the MSCI World enough?

I'm somehow unsure about Europe - opportunities are there, but growth is rather sluggish, isn't it?

I would appreciate your opinions!

Stay as it is or mix in some European spice?

We are currently in an uncertain political and economic phase, which is why many investors are currently investing in gold. That is why I am now selling part of my gold holdings $DE000EWG0LD1 (-1,13%) and will invest it broadly diversified in the stock market ($IWDA (+0,64%) , $MEUD (+0,54%) , $EIMI) (+0,13%) in the stock market.

What is your opinion on this idea?

Goal: A globally diversified portfolio via a savings plan

Option 1:

Everything in the $VWRL (+0,79%)

Option 2:

50% $VUSA (+0,79%)

15% $EIMI (+0,13%)

15% $VEUR (+0,59%)

5% $VJPN (+0,27%)

5% $VAPX (-0,3%)

10% $WSML (+0,49%)

What do you think?

Option 1 would be the simpler approach. No rebalancing. Unscheduled purchases or sales with an ETF are easier and more fee-friendly.

Option 2 allows more control in terms of weighting, so I could reduce the US share from $VWRL (+0,79%) from 62% to 45-50%. In option 2 it would also be possible to swap the S&P 500 for Nasdaq or Amumbo depending on the market cycle to get more performance out of it without the risk of a US overweight.

I am currently saving the $IWDA (+0,64%) and the $EIMI (+0,13%)and a little bit of $BTC (+0,26%) .

As I am still young (20) I would like to buy another yield booster.

As the prices are also relatively attractive at the moment, I was thinking of something like the $EQQQ (+1,25%)

What do you think? Would you rather expand the Core $IWDA (+0,64%) further, or add a Nasdaq?

Hello everyone,

My name is Antonio, I'm almost 27 years old and I'm from Bremen. I currently work as a train manager at Deutsche Bahn. Anyone who knows the job knows that chaos is almost guaranteed here. If a train is on time, everyone wonders what's going wrong. Delays, strikes, unforeseen events - you get used to the fact that nothing goes as expected. And that's exactly how I felt on the stock market: constantly chasing hypes, always on the lookout for quick profits, and in the end I never knew whether the train was still on the right track. I experienced just as much chaos on the markets as I did in my day-to-day work - but fortunately I've learned from it and am now looking for a fresh start where everything is a bit more orderly and predictable.

I've made a lot of mistakes on the stock market in the past. And not too few - unfortunately. Like many of you, I had the idea that the stock market would make me a quick buck. I let myself be led by hypes, trends and the desire for immediate results. I wasn't interested in investing for the long term or building a solid foundation for the future, I was only ever interested in making a quick profit. Leveraged products, knock-out certificates - it was all there. It felt like a casino where the loss was usually the only "win". And so it came as it had to: I not only lost money, but also confidence in my own decisions and the markets.

But today, in 2025, I have realized that it is time for a fresh start. I have learned from my mistakes. It's been a long road and I've thought a lot about why I was so quick to go for the quick buck instead of investing patiently and focusing on long-term success. I learned the lessons I needed to become a better investor. Patience, diversification and a long-term perspective are now my principles. I want to create something tangible, not just a portfolio full of numbers, but also a solid, long-term strategy that will help me to continuously build my wealth.

My portfolio: A solid foundation

The portfolio I have now built up is a mix of different asset classes and asset classes. My aim is to diversify broadly and not miss out on potential growth opportunities, while spreading risk across different sectors and regions. Here is an overview of what my investment strategy looks like:

ETFs (€1000/month)

I have deliberately opted for a broad diversification and invested in different geographical regions and markets. This diversification should ensure that my capital benefits from the markets that have the greatest potential in the coming decades.

- IE00BMTX1Y45 ( $I500) (+0,73%)

- LU0908500753 ( $MEUD (+0,54%) )

- IE00BYXVGY31 ( $FUSA (+0,26%) )

- IE00BD1F4M44 ( $IUVF (-0,51%) )

- IE00BKM4GZ66 ( $EIMI (+0,13%) )

- LU1681041973 ( $CD9 (-0,07%) )

- LU0486851024 ( $D5BL (+0,99%) )

- IE00BYQCZN58 ( $DXJZ (+0,12%) )

- IE00BF4RFH31 ( $WSML (+0,49%) )

- IE00BG0SKF03 ( $5MVL (-0,19%) )

- IE00B652H904 ( $SEDY (-0,06%) )

- LU2089238385 ( $PRAJ (+0,36%) )

- DE000A0H0744 ( $EXXW (+0,17%) )

- IE00BFXR5W90 ( $LGAG (-0,33%) )

- LU0779800910 ( $XCHA (-0,41%) )

- HANetf Future of Defense UCITS ETF ($ASWC (+1,46%) )

So many ETFs? Does he still have all his wits about him?

Some people will think exactly that when they look at my ETF list. And yes, I admit that the portfolio is pretty broadly based - perhaps too broad for some. But that's exactly my goal. I don't want to catch the one sector or the one region that is going through the roof. I want to have everything! If a market explodes somewhere in the world, then I want to be there. Be it through large caps, small caps, growth, value, technology or emerging markets, my approach is not to miss out on potential opportunities and at the same time not to put all my eggs in one basket. Some call it overdiversification, I call it my personal "all-world approach"

The idea behind the selection of these ETFs is that I want to focus on global markets and growth regions without missing out on important sectors such as technology, healthcare and energy. The USA (with over 55% of my portfolio) remains the central component due to its economic importance and innovative strength. At the same time, I am also focusing on Europe, Asia, China and emerging markets, which are increasingly among the growth markets of the future. Small caps also play a key role for me, as they often have the potential to grow faster and offer opportunities that are often overlooked by the large institutions.

Cryptocurrencies (€100/month in Bitcoin ( $BTC (+0,26%) ) €50/month in Ethereum ($ETH) (+1,02%)

I also invest in Bitcoin and Ethereum as I am convinced of the future of these digital currencies. Even if the volatility is high, I see the long-term potential of these technologies. For me, it is an opportunity to participate in the development of a new financial world.

Gold (50 €/month EUWAX Gold ($DE000EWG0LD1 (-1,13%) )

In uncertain times, I have realized how important it is to have conservative assets such as gold. The last few years of inflation and economic fluctuations have made me realize that gold can have a stabilizing effect, especially in times of crisis.

Individual stocks - My dividend strategy

I have also selected a few individual stocks that should not only offer me security, but also regular income through dividends. The reason for this is simple: I need something tangible, something visible. It's not just the pleasure of seeing the portfolio grow, but also the dividend that gives me the feeling of actively participating in the companies and benefiting from their success.

- 3M Co ($MMM (-0,72%) )

- Allianz ($ALV (+0,85%) )

- BioNTech ($BNTX (-14,01%) )

- Booking Holdings( $BKNG (+0,21%) )

- Coca-Cola ($KO (-0,72%) )

- LVMH ($MC (+0,33%) )

- MSCI Inc ($MSCI (+1,01%) )

- NextEra Energy($NEE (+0,17%) )

- Philip Morris ($PM (+0,52%) )

- Realty Income($O (-0,52%) )

BioNTech in particular, as a company that has promising potential not only during the pandemic but also beyond, is a long-term winner for me. Likewise NextEra Energy, which plays a key role in the renewable energy sector, and Booking Holdings, which should benefit from the global tourism trend. These companies not only pay dividends, but also show that you can benefit from a company's success with a long-term perspective.

Pension fund

I also invest in the DEVK pension fund (DE000A2PT1X3) through my employer $DE000A2PT1X3 . This fund is particularly important to me because of the generous contributions made by my employer and the solid returns. Even though the costs are somewhat higher, I see it as a long-term addition to my strategy.

Why this portfolio?

I built my portfolio this way because I believe in the potential of long-term global diversification. Rather than chasing short-term gains, I am looking for continuous value growth over many years. I want to support the right companies, benefit from promising markets and at the same time have a regular source of income through dividends.

I am no longer interested in making a quick buck. I have learned that true success in wealth accumulation lies in patience. And that's what it's all about: I want to create a solid foundation for the future - for myself, for my pension and perhaps for a house in a few years' time.

What do you think?

I'm really looking forward to hearing from you. What do you think of my strategy? Do you see any areas where I could diversify even more? Are there any asset classes or ETFs missing from my portfolio that would make sense for me? I am very keen to hear your opinions and advice.

Thank you for taking the time to read my story and strategy! I look forward to your feedback.

Best regards,

Antonio

Hello everyone,

I recently inherited a 5-figure sum and don't really know what to do with it.

To me:

I am 20 years old, a student and have had a custody account with Trade Republic for 1.5 years, on which I save €250 a month.

I have a savings plan there:

$IWDA (+0,64%)

$EIMI (+0,13%)

$MEUD (+0,54%)

$CSNDX (+1,22%)

I also have a small Bitcoin position with Bitvavo.

With the money that I inherited, I would like to do something separately for my retirement provision and have now considered opening another custody account at my bank and splitting this amount, whereby I would then use the custody account at my bank for my retirement provision and simply put the amount in the $VWRL (+0,79%) and simply put the amount into the

Now I've heard a lot about private unit-linked pension insurance, but I don't know if that's so much better than just opening a custody account with my bank.

How would you go about it?

Do you have any suggestions?

I'm really unsure what I should do.

Thanks in advance 🙂