Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

• My savings rate is therefore only €300 a month
• 100€ goes into a call money account as a reserve
• 200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

• 60€ $XDWD (+0,43%) MSCI World ETF to cover the most important companies from developed markets.
• 25€ $EIMI (+0,54%) MSCI EM ETF to also cover emerging markets.
• 20€ $XDWT (+0,24%) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
• 20€ $SAEU (+0,42%) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

• 10€ $LIN (-1,1%) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
• 10€ $PG (+0,31%) Strong products, my daily companion in the care and household sector.
• 10€ $DHR (+2,61%) My favorite in the life science sector, I think Danaher will be back in the future.
• 10€ $DTE (-0,34%) As a German company, I can no longer imagine telecommunications without it.
• 10€ $DE (+0,68%) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
• 10€ $NKE (-2,37%) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
• 10€ $WM (+1,49%) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
• 5€ $CSCO (+0,15%) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

• $SHEL (+1,58%) I bought some time ago, important and large energy company. I will continue to hold them in the future.
• $NESN (-0,39%) I bought them back then and am now just waiting to be able to sell them at a positive price.
• $NU (-0,08%) I am convinced of the company, I think that Nu will have a successful future.
• $O (+0,83%) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (+1,55%)
$SOL (+0,93%)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

Hello everyone,

I want to set up a small share portfolio for my mother-in-law for her pension.

The investment horizon is around 15 years.

She plans to pay in €250 per month.

As soon as the subsidized equity pension option is available (2026), this will also be used.

Now I'm wavering between several options "70-30" method from $IWDA (+0,31%) and $XMME (+0,25%) or a $ACWI .

I could also imagine adding a $XDWT (+0,24%) to add.

Do you have any suggestions or impressions?

Thank you for your ideas!

#aktienrente
#etfs
#rente

Aloha together,

I would like to ask for some swarm intelligence

I would currently like to optimize the ETFs in my portfolio. The aim is to build up assets in the long term.

I would like to have my portfolio roasted, but GetQuinn does not yet allow Flatex AT integration :(

I am currently saving:

$ACWI (260€)

$XMME (+0,25%) (140€)

$XDWT (+0,24%) (300€)

$ISPA (+0,26%) (300€)

The first two are my kind of 70/30 World/ EM, with a slight cluster risk in emerging markets

$XDWT (+0,24%) I primarily use tech stocks to build wealth because it's the sector I know best. Here, too, cluster risk with $ACWI

$ISPA (+0,26%) because the dividends are tasty.

What is your opinion on this?

Hello everyone,

Briefly about me: I am 26, an employee and also work in letting and leasing/special rental.

The two properties (market value +\- 10%) are now offset by loans of more €329,000 (nothing inherited 😉).

At 99%, this debt will soon increase by a further €150,000 and the real estate portfolio will grow a little again.

However, the cash will fall to +/- 0€, as the NK will be borne by the tenant.

I would like some suggestions and opinions on my portfolio.

Mainly on the subject of equities, as I'm still more of a newbie with about 3 1/2 years of "experience".

I still want to sell all the "meta bets" and park them in cash for the time being or invest them in the $LOCK (+0,34%) and the $XDWT (+0,24%) ETF ($ANET, $KLAC (-0,85%) , $CDNS (+1,65%) , $SNPS (-0,06%) , $QCOM (+0,69%) and $SYNA (+2,79%)).

Thank you!

Hello dear community,

I would like to take the opportunity to have my portfolio evaluated and to catch one or two tips.

I have been actively investing since 2018.

I used my first investments for our wedding. I made a good profit back then and have been investing again since 01/2022 - starting at €0.

(Comments on the sense of liquidating a portfolio for the wedding can be made, but remain uncommented on my part - every € was worth it "back then" 😉).

My focus is very technology-heavy, as this is where my personal interest lies, I "know" the companies and I simply see great potential there in the near future.

This is also why I have bought more individual shares and set up a savings plan for them (only recently).

How do I save each month?

• 800€ call money (until there is € 10T, then reduced to € 200)
• 300€ vacation fund
• 100€ Bison (50€ ETH / 50€ BTC)
• 600€ savings plan shares / ETF (100€ $NVDA (-0,29%) 50€ $MSFT (+0,51%) 50€ $AMZN (+0,09%) 180€ $XDWT (+0,24%) 120€ $IWDA (+0,31%) 100€ $VUSA (+0,25%) )

How would I like to save in the future?

• Reduce savings in call money and put the difference into ETFs
• Reduce vacation fund if =3000€ (in 3 months)
• Possibly start saving in an India ETF. In contrast to China, I see great potential here
• Consider investing in other stocks such as chemicals (hydrogen) / mining (uranium)

I would be very happy to receive constructive feedback!

Hello everyone,

I have two very similar ETFs. On the one hand the $XDWT (+0,24%) and on the other hand the $VUSA (+0,25%)

Both have a lot of similarities in terms of the composition of the largest 10 positions.

And therein lies the problem, there is not much diversification. Well, the $XDWT (+0,24%) is globally diversified and has a slightly higher TER, but the focus here is also on the USA as far as tech stocks are concerned - the advantage lies in the greater diversification and the better performance in recent years.

I am considering selling my shares from the $VUSA (+0,25%) and to switch completely to the $XDWT (+0,24%) completely.

But I'm not sure about the decision yet - have I overlooked something? Is it "possible" to hold both? If so, what are the pros and cons of keeping both?

Hello dear GQ community,

I am thinking about selling my Big Tech shares $MSFT (+0,51%) , $AAPL (+0,13%) , $GOOGL (-0,68%) and $AMZN (+0,09%) and shifting them into the $XDWT (+0,24%) reallocate. I now have a 27% stake in IT and am also generally convinced that IT and software drives the global economy. I'm a little unsure because these are all "forever" stocks.

What do you guys think?

LG, Michael