Dear friends of Getquin,

I'm usually a silent reader, but if everyone just reads, eventually there's no more reading material, is there? So today I want to share my story with you.

The beginnings:

It's hard for me to say exactly when my journey began, but I do know that I developed a fascination with money as a child. My first "investment" was when I was about 7 or 8 years old, when I bought an ounce of gold with my own pocket money. At that time, no one in my family had anything to do with investments, but I had seen it in my mother's bank when I often accompanied her there. I was fascinated by the shiny coins and wanted to know how I could have a piece myself.

Then, around the turn of the millennium, I saw my father, together with a "great" bank advisor, invest the entire family savings in the middle of the dotcom bubble. The result: a massive loss within a few months. But my mother, who was at home at the time, fought hard and was miraculously able to recoup the losses. I was about 9 or 10 years old at the time and watched her sit in front of the PC every day and look at the figures. From that moment on, I was hooked! I started using an Excel spreadsheet to track which shares I would have bought at what price and watched the performance of my fictitious investments with great interest every day after school.

The first few years:

My mother stopped day trading after about a year and went back to work. However, shares were no longer an issue for me until I was 26.

Getting into real shares:

In 2018, in the summer, as a die-hard Juventus fan, I read about an article on the transfer of CR7 and how Juventus shares went through the roof. I was there again! At that time, however, I only had a small income as a working student. My father, who had failed with his investments in the past, gave me €2,000 - and I bought Juventus shares. However, he made me promise him that I would never invest in shares again. How did the story end? The "trade" with Juventus was a success, but I had to pay taxes for the first time - and I still hate that to this day.

The first losses:

After my Juventus adventure, I began to delve deeper into the matter. I tried out recommendations from "Aktionär" and repeatedly bet on individual shares for smaller trades. It was more of a game, but I generally remained profitable - sometimes a few percent profit, sometimes a few percent loss. Thanks to the profits and additional deposits, I built up my portfolio to €18,000 until I was hit by Wirecard. In the end, I had to accept a loss of around €6,000. It was painful, but not life-threatening - and I learned a lot from this mistake. In particular, I made the mistake of constantly buying more. If I had left it at the original position of € 1,500, the loss would probably not have been so dramatic.

Don't give up:

After the Wirecard debacle, I radically rethought my strategy. I increasingly focused on conservative companies, regular dividend payers and low growth. But here, too, I realized that I was underperforming the market. So I adapted my strategy further and took a long-term approach. I have since been able to slowly recoup my losses.

The clean cut - a new start:

In the summer of 2023, I needed all my assets for a private housing project and decided to make a real "fresh start". I sold all the positions in my portfolio and only kept my ETF savings plans with TradeRepublic.

The new era:

When the housing project was completed, I wanted to build up a new portfolio with the money I had left over - and here you can see the result. My aim is to find companies that are growing strongly and have a solid moat. Dividends are nice, but not a must. My portfolio also contains defensive, boring stocks as a healthy addition. At the same time, I try to further expand my ETF positions through one-off purchases - I stopped my regular ETF savings plans at the end of January 2025. I have also invested a little in crypto and gold on the side. I have made further investments in Lego (€500), Pokémon (€1,000) and Counterstrike cases (€3,000), but these are not part of the public list - that would be too costly for me.

Fun fact:

My cash ratio has never been higher than €3,000 since I first entered the stock market (2018). This is currently an exception because I want to build up a cash reserve for the next generation.

Goal:

I don't have a specific, set goal when it comes to my investments. It's more of a hobby for me. I just enjoy seeing how my portfolio grows and how I can accompany exciting companies and be a small part of them as they develop. For me, it feels a bit like collecting: I enjoy discovering interesting companies, investing in them and watching them develop over the long term.

Thank you:

A big thank you goes to Goldesel Investing and Markus Koch, who have been with me since my first stock market steps. Without you, the share culture in German-speaking countries would certainly not be as strong! And of course a big thank you to Getquin - I've always dreamed of a platform like this! 0% bullshit, 100% investments.

I hope you like the revised version! The text is now more clearly structured, reads more smoothly and still retains your personal style.

Please let me know if you liked my story!

A little tip: My Bitpanda portfolio has a longer history, but I was too lazy to enter everything manually. I also didn't want to take over the history because, as I said, I wanted to start a new chapter in my investment history in November 2023. Overall, however, my crypto track is up €3000-4000.

$CSPX (+1,53%)
$ETH (-0,24%)
$BLK (+1,26%)
$GS (+1,94%)
$XDWD (+1,43%)
$V (+1,56%)
$MC (+0,36%)
$MS (+1,27%)
$QCOM (+1,77%)
$JNJ (+1,19%)
$ASML (+1,26%)
$RBOT (+0,89%)
$LOCK (+0,69%)
$MRK (+2,06%)
$UNP (+1,73%)
$NKE (+2,44%)
$QDV5 (+1,79%)
$MA (+1,49%)
$TGT (+4,53%)
$PEP (-0,38%)
$NU (+1,04%)
$AAPL (+2,14%)
$TSLA (+6,14%)
$DOGE (+0,01%)
$BTC (-0,19%)
$BRK.B (+1,58%)
$PEPE (+0,56%)

We currently have just under EUR 16,500, which was originally earmarked for an unscheduled repayment of the property loan 🏠. Until recently, the money was in a Trade Republic account with 3.00% interest, which is now being reduced to 2.75%. Combined with the APR on the loan and inflation, however, this amounted to a zero-sum game. Not particularly smart - but since the money belongs to both me and my wife, you have to make compromises every now and then. 😄

But now we would like to invest the amount in an ETF. Our current portfolio, in which the monthly surpluses are invested, looks like this:

• 50 % in the $HMWO (+1,46%) (HSBC MSCI World ETF, distributing - until the exemption limit is reached, which will probably be soon 🫠 )
• 25 % in the $EQAC (+1,72%) (Invesco EQQQ NASDAQ-100 ETF, accumulating)
• 10 % in $EWG2 (-1,13%) (EUWAX Gold II, accumulating)
• 7,5 % in $EIMI (+0,78%) (iShares Core MSCI EM IMI ETF, accumulating)
• 7,5 % in $QDV5 (+1,79%) (iShares MSCI India ETF, accumulating)

In addition, my wife saves monthly in the $SPYI (+1,22%) (SPDR MSCI ACWI IMI ETF, accumulating) with 155.00 EURto build up reserves for her private health insurance when she retires.

In addition, some of our money flows into call money accounts as an emergency reserve, and there is also an amount in the $XEON (+0%) (Xtrackers II Overnight Rate Swap ETF C).

Now we are considering in which accumulating ETF we should invest the 16,500 euros and the future savings installment should be invested in. I would like to keep it as a separate or new position in one of the custody accounts, as the money will be invested in 17 years - after the fixed interest rate expires - to (partially) pay off the real estate loan. I'm also a fan of having different pots for different occasions. Each month I expect to have 250 to 500 euros in addition to the 16,500 euros.

Which accumulating ETF would be your favorite under these conditions?

Or simply, in one of our existing custody accounts additionally $SPYI (+1,22%) (SPDR MSCI ACWI IMI ETF) separately from my wife's savings plan, as a separate pot, because it's already a good ETF anyway?

I look forward to your opinion!

... Happy new year, hot bunnies!

The whole thing will be held as cash and $INOD (+14,01%) when the price is right :)

LG

Hello Friends,

I have been following all the posts etc. here with great interest for a quarter of a year now.

After a lot of back and forth, I have decided on a strategy. During this time I have also had to learn a few lessons.

My general goal is long-term wealth accumulation (25 - 30 years) and I currently invest in the following shares, ETFs and cryptos via a savings plan:

$VWCE (+1,27%) 100 €

$BTC (-0,19%) 25€

$DTE (-0,24%) 25€

$NVDA (+3,19%) 25€

$IGLN (-0,71%) 25€

$AMZN (+3,59%) & $MSFT (+0,93%) I currently have small amounts in my portfolio, which I intend to increase if necessary.

Furthermore I have $IESE (+0,66%) & $QDV5 (+1,79%) but I will soon be throwing them out as they have not really performed as I had hoped over the last few months.

As I'm still very new to this, I'm hoping for constructive tips and criticism on what I could possibly improve.

I will be able to increase the savings rate myself towards the end of 2025 when I get a certain salary increase.

I look forward to your answers.

Hello everyone,

I recently started my first job (3 months ago) and have been thinking about a savings/investment strategy. Could you please comment on it (also constructively negative) so that I can learn from your shared experience?

I specifically tried to make the strategy a bit more risky/risky as I think I should do that as a young person to get slightly better returns.

Specifically:

• 200 $IWDA (+1,34%)
• 
  200 $LYPG (+1,38%)
• 
  200 $QDV5 (+1,79%)
• 
  200 $UST (+1,71%)
• 
  300 $BTC (-0,19%)
• 
  300 $BATS (+1,09%)

Is there anything else I should add/change?

Podcast episode 62 "Buy High. Sell Low."

Subscribe to the podcast to help gold break $3,000!

00:00:00 India vs. China, ETFs

iShares MSCI India A2AFCY

Franklin FTSE India A2PB5W

Goldman Sachs India Equity A0QYZR

01:09:50 Gold

WisdomTree Gold 3x A1VBKP by Stephan

VanEck Gold Miners A12CCL from Max

iShares Physical Gold A1KWPQ from Juri

Spotify

https://open.spotify.com/episode/4ufU5g8XmZotsDm84lT1xn?si=geYZuitITFS-h_znc8mg-g

Youtube

https://youtu.be/QQ1STsw9dmg

Apple Podcast

https://podcasts.apple.com/us/podcast/folge-62-indien-vs-china-etfs-gold/id1695869891?i=1000674791516

$AAPL (+2,14%)
$SPOT (+0,43%)
$GOOGL (+3,98%)
$4GLD (-0,92%)
$CNUA (-0,1%)
$QDV5 (+1,79%)
#indien
#china
#gold
#siberl#podcast #india
#msciem
#msci
#ishares
#etf
#etfs
#emergingmarkets
#asien
#asia

$QDV5 (+1,79%) Does anyone know what is currently going on there?