Less than two years after hitting 100k and well before my 30th birthday—which was my target for reaching 200k—I recently achieved this milestone. As mentioned in the post by @PoorDad , I unfortunately don’t really have anyone in my personal life with whom I can or want to share this milestone, but that’s what this great platform is for.

The long-term goal of my portfolio is to secure my retirement or even to slow down a bit earlier. That’s why almost all of my holdings are intended for the long term. The $LYPS (-0,1%) and $MEUD (-0,34%) are funded with monthly contributions. I top up my individual stock holdings when the opportunity arises. With medium-term trades—like the current warrant in $NOW (-0,78%) I’m trying to earn some nice pocket money for things like vacations.

I can sleep very soundly with my portfolio, which is very important to me. My next goal is to reach 250k by the time I turn 30.

Feel free to share suggestions for improvement or ideas if you have constructive criticism of my portfolio, or even tell me what you would do completely differently.

I've $PEP (+0,69%) held this stock in my portfolio for about 4 years now, and including dividends, I’m just barely breaking even. Even though the dividends are nice, I don’t think Pepsi will outperform the market in the long run either. Since my core portfolio consists mainly of $LYPS (-0,1%) and $MEUD (-0,34%) , I’m considering closing out this position and putting most of it there—partly because my satellite holdings can handle more risk than Pepsi. For one thing, I’d likely get a better return there in the future, and I’d also have a more streamlined portfolio. I might even put a portion of that into riskier stocks like $SOFI (-0,13%)
$NU (+0,49%)
$NOW (-0,78%) . I think those are more likely to outperform the market.

What do you think, and how would you handle this?

Hello,

I also wanted to introduce you to my depot and am open to suggestions for improvement or ideas.😁

About my current strategy:

The ETF Core is being expanded monthly in the classic way via a savings plan, but currently only the $IWDA (-0,15%) and the $IEMA (-0,99%) . The $MEUD (-0,34%) I have deliberately taken out for the time being. (hold for 30-40 years)

With $PLTR (-1,57%) I was just lucky to be honest. I just read a lot about it on Getquin at the time and then just went to gekauft👍🏼😁.

The other individual shares were bought step by step. Unfortunately without a strategy or anything like that. (Mainly due to Getquin😂)

But I would like to change this! I am interested in what strategies you have for this type of portfolio. (ETF Core & single stock)

Thanks for your time 👍🏼😊

Hello dear Getquiner,

It's been a while since my last post, but I'm now planning to fill this account with more posts and thus gather more knowledge about your comments, because you can always learn something new. 😁

Let's get to the main part of this post, I have changed my portfolio from a "Norwegian Government Fund" to a 60/30/10 portfolio. (both with ETFs)

Why the whole thing? I had hoped that the self-built "Norwegian Government Fund" would iron out crises in the portfolio through the large proportion of government bonds and perform better than a world ETF during this time, unfortunately this did not work on Liberation Day or after the start of the war in Iran. At about the same time as I was thinking about this, I watched a video from Finanzfluss on the subject of the 50/30/20 portfolio (https://www.youtube.com/watch?v=uGimQba7YQA) which I also watched. I also received advice from a friend who has been active in the market for a long time, but in my younger years, if I still have time, I would rather go 100% into equities, as I can simply sit out the bad times and thus have more returns.

After thinking about it for a while, I decided to switch to a 60/30/10 portfolio.

It consists of the following ETFs:

60 %
MSCI World
$IWDA (-0,15%)

30 %
MSCI EM IMI
$EIMI (-1,21%)

10 %
MSCI Europe
$MEUD (-0,34%)

This results in the following regional breakdown after overlaps:

43 % USA, 20 % Europe,
30 % emerging markets

In my case, the USA weighting will be slightly higher, as I also have a few individual stocks. I want to cover the whole world, but as the biggest and "most important" companies are based in the USA but sell to the whole world, I think the USA part should not be too small.

In the next posts I would like to go into my individual stocks and why I also have a relatively large $BTC (-0,6%) share!

So, now I'm looking forward to your opinion, please be critical, I want to know what you would improve or what could go wrong.

$VUAG (-0,1%)
$MEUD (-0,34%) and $XMME (-1,03%) increased

$MEUD (-0,34%) Rest sold,

shifted into the $IMEU (-0,31%) I had already shifted out of cash👀 (is that still called shifting? )

3xGTAA

$DE000LS9U6W1 (+0,46%) increased by 3 shares 🥂

and another additional purchase at 0815 Futzi

My portfolio is currently too heavily weighted towards the US, so I bought a tranche of the Stoxx 600.

European equities have somewhat passed me by in 2025. However, a strong performance is still expected in 2026, if only because of fiscal policy incentives.

As an ardent European, I'm all the more pleased about the purchase 🇪🇺