I'm due to make an annual adjustment to my savings plans.

I have the following picture in mind:

Category
ETFs
Monthly share (total: 630 €)

1) Global broad (Core)

$VWRL (+1,44%) 320 € (~51 %) - Core

→ Very good for long-term growth

2) Dividend (Value/Defensive)

$VHYL (+1,23%)
$EUHD (+0,53%) 90 € (~14 %)

→ Two targeted building blocks, stable cash flow

3) Technology (Growth)

$XNAS (+1,7%)
$XNGI (+1,8%) 100 € (~16 %)

→ ensure growth, without overweighting

4) Regional addition

$MEUD (+0,52%)
$WSML (+1,07%)
$IEEM (+0,75%) 80 € (~13 %)

→ improves diversification

5) Commodities/tangible assets

$WGLD (-0,84%) 40 € (~6 %)

→ better balance with defensive character

What do you think?

Feedback & suggestions for readjustment are welcome =)

Hi all - I had planned to expand my portfolio a few weeks ago because of an inheritance. Now a few things have happened: Money is there and at the same time the company is asking if I would like to quit in return for a severance payment. Yup, maybe I have. Do something other than IT, for example ... Volunteering at the food bank, riding my bike and Vespa, sports, traveling & chilling or something... But that's another story :-)

But does it work financially? Let's assume about 1.2 million in total (600k invested, 600k cash). House paid off, 2 kids out, wife self-employed, but only a small amount. I'm 58, I can retire at 62, with official deductions. That will therefore be a manageable pension in total. That's why I'll need monthly cash in 3 years. The severance payment would last until then. Now I'm thinking about reallocating a large part of my portfolio from tech, world ETF, S&P and some individual stocks to high-dividend stocks: 10% $ALV (+0,57%), 10% $MUV2 (+0,45%) , 10% $O (+0,63%) , 10% $VHYL (+1,23%) , 10% $WGLD (-0,84%) , 20% $IDVY (+0,43%) , 10% $XMME (+0,64%) , 10% $XEON (+0%) (in case the dividend falls in volatile phases and to bridge payout dates). dates), 10% play money GTAA, 2Spy, Momentum etc----hahaha, actually I just wanted to mention @Epi mention.

With the above you get about 4% dividend. At 800k = 32000-25%= 24000= just under 2k net on top. That should be enough. The assets won't grow that much, but cash per month is enough. What do you think? Completely wrong way of thinking? Forgotten something important?

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 (+1,34%) , $EIMI (+0,78%) and the $CSNDX (+1,71%) .

Further additions are $WGLD (-0,84%) and $BTC (-0,31%) 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 shift a portion from the call money account into the $XEON (+0%) into the

It may be planned to make another additional purchase at $NOVO B (+3,18%) is planned.

expected new additions this year:

$PANW (+1,67%)

$ISRG (+0,24%)

$RKLB (+3,49%)

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

Heyho dear Getquin Community,

I have two three amateurish questions.

I've been saving €100 a month for a good two years now. $VWCE (+1,27%) (I'm a student, so the savings rate isn't too high - but it should be increased gradually over an investment horizon of 40 years)

Now, as suggested in some of the posts here, I would invest 15-20% each in gold $BTC (-0,31%) and gold.

Here I have now repeatedly $WGLD (-0,84%) and $IGLN (-0,71%) How do the two colleagues differ and which of the two would you recommend and why?

-

(I save the ETF via ING, but I can't invest in Bitcoin or gold here, so I would have to do this separately via Scalable. But a custody account transfer for one ETF would be nonsense, wouldn't it?)

Hello everyone, now I have to interfere again,

Does anyone know how the $WGLD (-0,84%) works?

I have heard that it is tax-free and they store the gold. Now my question:

How do they know how much gold I have bought?

Well, the important thing is that it is tax-free.

Do you think it is still worth $EWG2 (-1,13%) at 85 euros per gram?

Would you start saving for a gold etf at the current time or would you rather save for silver?

$WGLD (-0,84%)

$SSLN (+1,16%)

Hello everyone,

Is it better to save gold monthly via Bitpanda or via the ETF $WGLD (-0,84%) at Trade Republic?

Perhaps you already have some experience.

Is the $WGLD (-0,84%) tax-free after one year of holding?

2024 was an exceptional year for me on the stock market. With an initial portfolio value of € 25,854.15 on January 1, 2024 and an impressive final value of € 49,403.99 on December 31, 2024, I almost doubled my capital. This success is also reflected in the performance figures:

- Initial portfolio value: € 25,854.15

- Final portfolio value: € 49,403.99

- TTWROR (time-weighted return): 24,91 %

- Internal rate of return (IRR): 25.67

- Price gains: € 6,979.27

Change of strategy: focus on ETFs

Over the course of the year, I made an important change in strategy. My previous investments in dividend-paying individual shares were gradually reduced and the focus was placed on ETFs, in particular the S&P 500 and the FTSE All-World. This decision was based on the realization that no private investor can consistently beat the market with individual shares in the long term. It therefore makes more sense to match the market performance - with the help of broadly diversified ETFs - rather than lagging behind expectations.

In addition, I have diversified my portfolio with gold and Bitcoin to minimize volatility while benefiting from alternative asset classes. This mix of traditional and modern investments has proven to be a stabilizing factor.

Largest positions

- S&P 500 $VUSA (+1,54%) : 18.294 €

- FTSE All-World $VWRL (+1,44%) : 5.897 €

- NVIDIA $NVDA (+3,19%) : 3.104 €

Top Mover

- Walmart: +79 %

- NVIDIA: +78 %

- BlackRock: +28 %

Dividends

Although dividends are no longer the focus of my strategy, I was still able to record €794.18 in dividend income. Although the original goal of generating € 1,400 in dividends was not achieved, it is no longer very relevant due to the new priorities.

Goals

Much more important was the overarching portfolio target of € 40,000, which was clearly exceeded with the final balance of € 49,403.99. For 2025, I plan to invest at least € 11,160 in new money. My aim is to actively manage the invested capital, as the portfolio value itself is determined by the market. From 2025, I will only invest in the S&P 500, gold and Bitcoin on a monthly basis via a savings plan.

Conclusion

My stock market year 2024 was characterized by a conscious and successful change of strategy. The focus on ETFs as underlying investments, coupled with the addition of gold and Bitcoin, proved to be the right decision. The impressive performance of the portfolio shows that a long-term, diversified strategy can not only bring stability, but also substantial returns. Special thanks go to @Epi who advised me to add $WGLD (-0,84%) gold $BTC (-0,31%) Bitcoin to my attention.

Your hard-earned money deserves nothing less than perfection. At best, always buy a broadly diversified ETF. I look forward to 2025 and am excited to see how the journey on the financial markets continues.