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 (+0,05%) -> Later 100€ $VWCE (+0,05%)

45€ in $XMEU (-0,01%) -> 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 (-0,6%) 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 (+0,09%) 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!

Hello dear Gequin Community,

I am currently working on restructuring my portfolio. Historically, I currently have a few funds and a number of individual shares.

I would like to switch the funds to ETFs and continue to save in them.

Classically, I would now select the following ETFs:

$VWCE (+0,05%) / $VHYL (+0,05%) and $VFEG (-0,54%)

Now my little thought experiment: Why should I limit myself to three ETFS when I could spread the whole thing much more widely? I have also thought about something like this (with smaller sums, of course):

$WELS (+0,2%)

$ECOG (+0,2%)

$EXH5 (+0,07%)

$CHIP (+0,32%)

$DFEN (+0,28%)

$XDWF (+0,11%)

$RBOT (+0,19%)

$XAIX (+0,2%)

$IH2O (+0,11%)

$WELW (+0,21%)

Of course I have a few duplications here, but I am much more differentiated.

Does this approach make sense in your eyes or is it a modest idea?

Good evening to all :)

I am in the process of reorganizing my portfolio. This will be my new portfolio. I simply want to invest in dividends and at the same time reduce the percentage of USA. I think I'm doing quite well this way, especially as I can also reduce my risk appetite.

First investment amount will be 4.527,00€ will be.

Of which as follows:

In each case 754,50€ in the 3 dividend ETFS = 2.263,50€

• iShares STOXX Global Select Dividend 100 (Dist) - 754,50 €
• SPDR S&P Global Dividend Aristocrats (Dist) - 754,50 €
• Vanguard FTSE All-World High Dividend Yield (Dist) - 754,50 €

The others 2.263,50€ will be invested as follows

• UBS MSCI USA Socially Responsible (Acc) - 1.131,75 €
• iShares MSCI Europe SRI EUR (Acc) - 679,05 €
• iShares Automation & Robotics (Acc) - 226,35 €
• iShares MSCI Emerging Markets SRI (Acc) - 113,18 €
• UBS MSCI Pacific Socially Responsible (Acc) - 113,18 €

We have a monthly savings plan of €300 which we divide up like this:

• iShares STOXX Global Select Dividend 100 (Dist) - 50,00 €
• SPDR S&P Global Dividend Aristocrats (Dist) - 50,00 €
• Vanguard FTSE All-World High Dividend Yield (Dist) - 50,00 €

• UBS MSCI USA Socially Responsible (Acc) - 75,00 €
• iShares MSCI Europe SRI EUR (Acc) - 45,00 €
• iShares Automation & Robotics (Acc) - 15,00 €
• iShares MSCI Emerging Markets SRI (Acc) - 7,50 €
• UBS MSCI Pacific Socially Responsible (Acc) - 7,50 €

So I am very satisfied. Are there others here who have an ETF portfolio in terms of accumulating and distributing?

PS: It is a sample portfolio for illustration purposes. I haven't invested yet or took about 1000€ profits from World and Paypal on Friday :)

Good night! :)

$USSRI (+0,19%)
$VHYL (+0,05%)
$RBOT (+0,19%)

Portfolio feedback

Hey guys,

I've been working intensively with ETFs over the last week and wanted to start my first portfolio (I'm 19 in Austria) and would like to get your opinion on it.

My idea was a portfolio with high diversification and a sector bet on AI & Cyber Security, but I'm not sure if I shouldn't keep everything simple and combine some ETFs with an All World ETF $VWCE (+0,05%) + only one sector bet to keep the TER low.

e.g. like this: $VWCE 75% $ISPY 10% $MEUD 10% $WSML 5% opinion?

I am very convinced of the tech sector, but with the current bull market in $NVDA (+0,64%) and Co I feel tempted to wait and see.

I am also undecided whether I should buy all ETFs accumulating or distributing to save taxes.

I would be happy about optimization suggestions to simply create a perfect portfolio according to my idea.

$SPPW (+0,05%)

$EIMI (-0,6%)

$MEUD (+0,1%)

$WSML (+0,05%)

$RBOT (+0,19%)

$ISPY (+0,18%)

Hello everyone,

I wanted to share my portfolio and get some opinions.

I am pursuing a core satellite strategy. The main anchor should be the FTSE All World and the Global quality income ETF.

Until recently I also held an Emerging Markets ETF which I threw out due to its poor performance.

The BIT Global Internet Leaders, S&P China 500 and Tencent are also to be removed from the portfolio.

Currently the $VWRL (+0,05%) is currently being saved with €1,000 per month and around €500 in individual securities in order to achieve a cost value of around €2,500 per security.

I also save every 3 months for the $RBOT (+0,19%) with €300.

Depending on the available capital, the $FGEQ (+0,19%) or currently the $IEMB (+0%) is saved.

The aim is to increase the current approx. 75% in ETFs to 80%.

I am very keen on distributions, as these have a psychological effect and I am not planning to sell the shares in the long term, so I would like to receive higher personal dividend yields in the future with my initial investment.

I look forward to your feedback.

A little depot tidied up.

Hi folks,

I've been investing in ETFs since April 2020 and have always been very happy with them. The Core MSCI is doing what it should and the EM IMI is also slowly coming along, but I have paused the savings plan here due to a lack of performance. I included the gaming ETF as a test candidate at the time, but it is no longer being saved. The same applies to the smallest position, the $BLUE (+0,24%) .

Savings plans are therefore currently only running on Robotics and Core MSCI, as I see the greatest returns here.

What do you think of my portfolio? How do you see the future of EM IMI? In the long term, which is of course also quite boring, I'm betting on the Core and Robotics, but the EM IMI is positively quite large. I had thought about switching to the other 2.

Have a nice Sunday everyone ✌️$IWDA (+0,05%)
$RBOT (+0,19%)
$ESGB (+0,2%)
$EIMI (-0,6%)
$BLUE (+0,24%)