Hello to the community!

Before the holidays last year, I dared to take the step of liquidating my building society savings and reducing my call money account. The basic idea was a 70/30 savings plan in $IWDA (-1,03%) and $XMME (+0,28%) to make everything a bit more diversified!

I also bought a few individual stocks. My favorites are $1810 (+2,88%) (has gone very well for me personally so far) and $TTWO (-0,04%) (because of the good prospects for GTA - intended as a gamble, so don't get hung up on it)

How would you mainly rate the 70/30 strategy? Stupid move? Go ahead with it? What about the $VWRL (-0,91%) ?

I'm already looking forward to your reviews!

My portfolio has made a good start to the new year, up around 2.5% (as at the time of writing). I also think the overall position is quite okay. I'm currently enjoying individual shares more, which is why I'm not quite happy with my 70/30 ETF/share strategy. However, my savings plans are still the same.

$IWDA (-1,03%) 70%

$XMME (+0,28%) 30%

I also save $1810 (+2,88%) with a small savings rate.

However, I am currently considering diversifying the Chinese market with $1211 (+2,45%) .

In addition $ELF (+5,42%) the last few days, as I expect a good return there due to the sell-off, which was actually not so bad and in my opinion too strong. But as I said, this is pure speculation.

My next goals are the 5k which I will probably reach this year with my savings rate. That's why I've raised it to 10k =)

Feel free to write your opinion on the portfolio or my approaches, as I said I am not a professional but rather a beginner ; )

I had no financial education until July when I enrolled in a graduate course in finance and discovered a passion. I would like to get some opinions or tips to improve my portfolio😊

In watchlist currently I also have $SPOT (-3,66%)
$NFLX (-1,73%)
$LDO (-2,25%)
$SCWX (-1,06%)
$XMME (+0,28%)
$IUIT (-2,19%)

Moin,

I need a few tips and suggestions for my portfolio.

Current savings plans as of 01.02.25 $IWDA (-1,03%) , $QYLE (-1,07%) , $IUIT (-2,19%) , $ISPA (-0,51%) , $XNAS (-1,52%) , $XMME (+0,28%) .

Every month, €800 goes into the savings plans.

300€ $IWDA (-1,03%)

150€ $QYLE (-1,07%)

100€ $IUIT (-2,19%)

100€ $ISPA (-0,51%)

100€ $XNAS (-1,52%)

50€ $XMME (+0,28%)

Target weighting:

70- 80 % Etf

20-30 % crypto

Hello everyone,

briefly about me:

I completed my training as a real estate agent two years ago and started my own business a year ago. Since then, I have set up a property management company and a real estate agency. I currently hold a slightly higher proportion of cash in order to be able to make investments in the company.

My aim is to make passive provisions for retirement with ETFs on the one hand and to buy individual stocks that I like or that have recently experienced a price slide on the other. In this way, I want to benefit from the recovery in the short term and take a few profits on the side.

This is how I am currently investing in my ETFs:

• S&P 500: 60%
• Euro Stoxx 600: 40%

I have deliberately decided against a $ACWI as I prefer to determine the weighting between America and Europe myself. I also don't invest in emerging market ETFs such as $XMME (+0,28%) as I find them too risky.

My crypto allocation is currently very high due to the recent price increases. I will also be selling Doge and XRP soon or taking profits.

I would be interested to know what you think of this strategy, whether you would do anything differently or which buys/sells you would consider.

I've finally managed to convince my parents that it's time to dive into the stock market and start investing regularly. As of March, I have a monthly budget of €538 (mini-job), which I will invest in various ETFs and shares to build up a broadly diversified portfolio to have a good buffer after graduating from high school.

My plan:

1. core/buffer (70%)

The majority of my budget goes into broad and stable ETFs that offer broad diversification:

$IWDA (-1,03%) (200 €): This is my basic ETF that covers companies from the largest and developed markets. It offers a stable and long-term source of growth.

$CSNDX (-1,63%) (100 €): This ETF focuses on technology companies that are likely to continue to grow strongly over the next few years.

$XMME (+0,28%) (75 €): I also want to invest in emerging markets such as China, India and Brazil to benefit from the momentum in these regions.

2. theme-specific ETFs (20%)

Here I focus on promising themes and markets:

$DFEN (-2,07%) (50 €): An ETF that invests in the defense industry, a sector that could continue to grow in the coming years.

$INRG (-0,55%) (50 €): Sustainability and the energy transition are important . I would therefore like to invest in renewable energies in order to benefit from green energy.

3. individual shares (10%)

I want to supplement my portfolio with individual stocks that have the potential for strong growth.

~60€ left for:

E.g

$NVDA (-3,63%)

$TKA (+0,54%)

I'm delighted that I can finally start investing and I'm excited to see how my portfolio will develop over the next few years!

Any ideas for improvement or tips? Keep them coming 👀

Dear Community,

Yesterday you were able to help me quickly and effectively. I sold the tiny positions $MATIC (-1,22%) with a considerable loss and $ETH (+0,38%) with a small profit and set up a weekly savings plan on $BTC (+0,02%) set up a weekly savings plan.

In order to simplify and streamline the portfolio even further, I now have the following question for you...

To help you understand my portfolio better, here is a brief explanation:

The main portfolio (currently approx. 150k) is a core-satellite portfolio with 56% $IWDA (-1,03%) , 20% $GGRP (-0,99%) , 12% $WSML (-1,32%) and 12% $XMME (+0,28%) .

With just under 20k is still the $CSPX (-1,14%) in the portfolio.

I have also been holding a separate div growth portfolio (currently approx. 34k) with these stocks for some time:

$MMM (-2,37%) approx. 1500€

$MSFT (-1,57%) approx. 1400€

$ABT (+1,63%) approx. 3300€

$JNJ (+2,12%) approx. 2800€

$PEP (+3,26%) approx. 2700€

$PG (+2,23%) approx. 3300€

$TDIV (-0,63%) approx. 3900€

$WQDS (-1,06%) approx. 3850€

$FGEQ (-1,25%) approx. 3800€

$VWRL (-0,91%) approx. 3750€

$FUSD (-1,38%) approx. 3750€

I save the ETF fraction constantly, nothing should or will change.

I'm just wondering how I should structure the ratio of individual stocks from now on. Should I increase all individual stocks to 5000€ per position or all stocks except Microsoft to 6k? Any other suggestions or ideas? If I simply leave the individual stocks untouched, the money would go into the div ETFs in tranches.

Total TER at 0.22 (which is quite acceptable for me) - and the overlaps are known and also okay for me 😄

Once again, thank you from the bottom of my heart and have a nice rest of Sunday 😎

Best regards

EvD

Hello dear community!

I would like to make use of your swarm knowledge and get some feedback on my portfolio.

I've been working on building up my portfolio for almost 2 years and am currently 27 (unfortunately I simply missed the last few years - which makes me incredibly annoyed to have left so much time lying around).

My current goal is to accumulate capital.

I'm currently putting away €810/month and investing 90/10 of it in my $SAWD (-1,1%) and for a few months now in the $XMME (+0,28%) the remaining 10%

All money that comes in through bonuses or similar is put into individual shares or crypto (to prevent FOMO ;) )

Now my next step would be to diversify a bit more in individual stocks (pharma etc.)

Currently I am laughing $NOVO B (+5,32%) and $ASML (-0,72%) at.

Any feedback on this? I look forward to your views