Postos
95We are currently in an uncertain political and economic phase, which is why many investors are currently investing in gold. That is why I am now selling part of my gold holdings $DE000EWG0LD1 (+0,3%) and will invest it broadly diversified in the stock market ($IWDA (-0,37%) , $MEUD (-0,69%) , $EIMI) (-0,02%) in the stock market.
What is your opinion on this idea?
Tenho uma dúvida, acham que compensa ter o $IWDA (-0,37%) , tendo o $CSPX (-0,28%) , o $MEUD (-0,69%) e o $EIMI (-0,02%) ?
Bom dia comunidade, tenho 23 anos começei a investir recentemente e quero continuar de forma consistente.
Espero ir melhorando a minha carteira de ativos com esta comunidade e crescer com o tempo!
Obrigado pelas recomendações, leio todas e analiso e aplico de acordo com o meu perfil de investimento.
ECB - interest rate cut by 25 basis points to 2.5 %. "Monetary policy is becoming noticeably less restrictive." - Lagarde.
BoE - Interest rates are expected to fall by a further 75 basis points to 3.5 % by the end of the year.
Fed - Rate cuts are uncertain as rate chaos looms over the US economy. There may be no cuts this year.
Will European equities outperform US equities overall this year? They have been doing so since the beginning of the year. That would be a remarkable performance.
Hello everyone,
My name is Antonio, I'm almost 27 years old and I'm from Bremen. I currently work as a train manager at Deutsche Bahn. Anyone who knows the job knows that chaos is almost guaranteed here. If a train is on time, everyone wonders what's going wrong. Delays, strikes, unforeseen events - you get used to the fact that nothing goes as expected. And that's exactly how I felt on the stock market: constantly chasing hypes, always on the lookout for quick profits, and in the end I never knew whether the train was still on the right track. I experienced just as much chaos on the markets as I did in my day-to-day work - but fortunately I've learned from it and am now looking for a fresh start where everything is a bit more orderly and predictable.
I've made a lot of mistakes on the stock market in the past. And not too few - unfortunately. Like many of you, I had the idea that the stock market would make me a quick buck. I let myself be led by hypes, trends and the desire for immediate results. I wasn't interested in investing for the long term or building a solid foundation for the future, I was only ever interested in making a quick profit. Leveraged products, knock-out certificates - it was all there. It felt like a casino where the loss was usually the only "win". And so it came as it had to: I not only lost money, but also confidence in my own decisions and the markets.
But today, in 2025, I have realized that it is time for a fresh start. I have learned from my mistakes. It's been a long road and I've thought a lot about why I was so quick to go for the quick buck instead of investing patiently and focusing on long-term success. I learned the lessons I needed to become a better investor. Patience, diversification and a long-term perspective are now my principles. I want to create something tangible, not just a portfolio full of numbers, but also a solid, long-term strategy that will help me to continuously build my wealth.
My portfolio: A solid foundation
The portfolio I have now built up is a mix of different asset classes and asset classes. My aim is to diversify broadly and not miss out on potential growth opportunities, while spreading risk across different sectors and regions. Here is an overview of what my investment strategy looks like:
ETFs (€1000/month)
I have deliberately opted for a broad diversification and invested in different geographical regions and markets. This diversification should ensure that my capital benefits from the markets that have the greatest potential in the coming decades.
- IE00BMTX1Y45 ( $I500) (-0,3%)
- LU0908500753 ( $MEUD (-0,69%) )
- IE00BYXVGY31 ( $FUSA (-0,09%) )
- IE00BD1F4M44 ( $IUVF (-0,2%) )
- IE00BKM4GZ66 ( $EIMI (-0,02%) )
- LU1681041973 ( $CD9 (-0,43%) )
- LU0486851024 ( $D5BL (-0,84%) )
- IE00BYQCZN58 ( $DXJZ (-0,89%) )
- IE00BF4RFH31 ( $WSML (-0,59%) )
- IE00BG0SKF03 ( $5MVL (+0,03%) )
- IE00B652H904 ( $SEDY (-0,29%) )
- LU2089238385 ( $PRAJ (-0,83%) )
- DE000A0H0744 ( $EXXW (-0,35%) )
- IE00BFXR5W90 ( $LGAG (+0,08%) )
- LU0779800910 ( $XCHA (-0,02%) )
- HANetf Future of Defense UCITS ETF ($ASWC (-1,41%) )
So many ETFs? Does he still have all his wits about him?
Some people will think exactly that when they look at my ETF list. And yes, I admit that the portfolio is pretty broadly based - perhaps too broad for some. But that's exactly my goal. I don't want to catch the one sector or the one region that is going through the roof. I want to have everything! If a market explodes somewhere in the world, then I want to be there. Be it through large caps, small caps, growth, value, technology or emerging markets, my approach is not to miss out on potential opportunities and at the same time not to put all my eggs in one basket. Some call it overdiversification, I call it my personal "all-world approach"
The idea behind the selection of these ETFs is that I want to focus on global markets and growth regions without missing out on important sectors such as technology, healthcare and energy. The USA (with over 55% of my portfolio) remains the central component due to its economic importance and innovative strength. At the same time, I am also focusing on Europe, Asia, China and emerging markets, which are increasingly among the growth markets of the future. Small caps also play a key role for me, as they often have the potential to grow faster and offer opportunities that are often overlooked by the large institutions.
Cryptocurrencies (€100/month in Bitcoin ( $BTC (-0,96%) ) €50/month in Ethereum ($ETH) (-2,62%)
I also invest in Bitcoin and Ethereum as I am convinced of the future of these digital currencies. Even if the volatility is high, I see the long-term potential of these technologies. For me, it is an opportunity to participate in the development of a new financial world.
Gold (50 €/month EUWAX Gold ($DE000EWG0LD1 (+0,3%) )
In uncertain times, I have realized how important it is to have conservative assets such as gold. The last few years of inflation and economic fluctuations have made me realize that gold can have a stabilizing effect, especially in times of crisis.
Individual stocks - My dividend strategy
I have also selected a few individual stocks that should not only offer me security, but also regular income through dividends. The reason for this is simple: I need something tangible, something visible. It's not just the pleasure of seeing the portfolio grow, but also the dividend that gives me the feeling of actively participating in the companies and benefiting from their success.
- 3M Co ($MMM (-0,33%) )
- Allianz ($ALV (-0,28%) )
- BioNTech ($BNTX (-1,08%) )
- Booking Holdings( $BKNG (-0,39%) )
- Coca-Cola ($KO (-0,08%) )
- LVMH ($MC (+0,24%) )
- MSCI Inc ($MSCI (-0,19%) )
- NextEra Energy($NEE (-0,03%) )
- Philip Morris ($PM (+0,42%) )
- Realty Income($O (-0,19%) )
BioNTech in particular, as a company that has promising potential not only during the pandemic but also beyond, is a long-term winner for me. Likewise NextEra Energy, which plays a key role in the renewable energy sector, and Booking Holdings, which should benefit from the global tourism trend. These companies not only pay dividends, but also show that you can benefit from a company's success with a long-term perspective.
Pension fund
I also invest in the DEVK pension fund (DE000A2PT1X3) through my employer $DE000A2PT1X3 . This fund is particularly important to me because of the generous contributions made by my employer and the solid returns. Even though the costs are somewhat higher, I see it as a long-term addition to my strategy.
Why this portfolio?
I built my portfolio this way because I believe in the potential of long-term global diversification. Rather than chasing short-term gains, I am looking for continuous value growth over many years. I want to support the right companies, benefit from promising markets and at the same time have a regular source of income through dividends.
I am no longer interested in making a quick buck. I have learned that true success in wealth accumulation lies in patience. And that's what it's all about: I want to create a solid foundation for the future - for myself, for my pension and perhaps for a house in a few years' time.
What do you think?
I'm really looking forward to hearing from you. What do you think of my strategy? Do you see any areas where I could diversify even more? Are there any asset classes or ETFs missing from my portfolio that would make sense for me? I am very keen to hear your opinions and advice.
Thank you for taking the time to read my story and strategy! I look forward to your feedback.
Best regards,
Antonio
Hello everyone,
I recently inherited a 5-figure sum and don't really know what to do with it.
To me:
I am 20 years old, a student and have had a custody account with Trade Republic for 1.5 years, on which I save €250 a month.
I have a savings plan there:
I also have a small Bitcoin position with Bitvavo.
With the money that I inherited, I would like to do something separately for my retirement provision and have now considered opening another custody account at my bank and splitting this amount, whereby I would then use the custody account at my bank for my retirement provision and simply put the amount in the $VWRL (-0,37%) and simply put the amount into the
Now I've heard a lot about private unit-linked pension insurance, but I don't know if that's so much better than just opening a custody account with my bank.
How would you go about it?
Do you have any suggestions?
I'm really unsure what I should do.
Thanks in advance 🙂
Hello everyone,
First of all, my name is Tiago and I'm from Portugal, so there's a chance I'll have some writing mistakes.
I will share with you my Portfolio and my currently ideas.
So, basically I'm a 22 years old boy that became fascinated by this world of investments in the past year. I've been reading a lot of things about the market and how it works. I consider myself a passive investor with a little affection to risk, so once in a while I might add to my portfolio some "FOMO" and "meme" stocks. My currently portfolio basically consists in some ETFs and 3 single stocks $AMD (-0,32%)
$NU (+0,8%)
$TSM (-0,45%) .
I currently have a monthly savings plan of 450€ consisting in diversified ETFs and some bitcoin:
$VUAG (-0,28%) 159 € S&P 500 35%
$VWCE (-0,39%) 135 € FTSE-ALL World 30%
$EIMI (-0,02%) 45 € Emerging Markets 10%
$MEUD (-0,69%) 45 € Stoxx 600 Europe 10%
$VAGF (+0,09%) 22 € Global Bonds 5%
$SGLD (+0,27%) 22 € Gold 5%
$BTC (-0,96%) 22 € Bitcoin 5 %
Note: I was reinforcing $XNAS (-0,21%) until last month but the geopolitical scene changed, and I decided that I should not overlap that much in US. That resulted in me moving that allocation to $MEUD (-0,69%) .
This portfolio gives me around 53% exposure to US, 19% developed markets, 13% emerging markets, 5% gold, 5% bonds and 5% bitcoin.
I know that the % would almost be the same if I only invested in: $VWCE (-0,39%) +$VAGF (+0,09%) +$SGLD (+0,27%) +$BTC (-0,96%) but I want to have the power to change the allocations and reinforce wherever I want to.
Since I am betting in the whole market I don't expect huge growth unless I reinforce with some bigger amounts when good "dips" arrive.
I have an emergency fund, but no one knows how we will end up in 5 years... that's why if a crisis arrives, I'll use my gold and bonds as liquidity to either reinforce my etfs or use that money myself.
As a new investor I start my journey really late. I’m 43yo and I’m looking to create something in order to have additional income when I will retire.
For that reason, and after many buying/ selling I ended to these etfs:
$SPXS (-0,28%) - 40% (S&P 500)
$ISAC (-0,37%) - 20% (MSCI ACWI)
$MEUD (-0,69%) - 20% (EUROPE STOXX 600)
$VFEG (+0,03%) - 20% (Emerging Markets)
Can I have your ideas/ thoughts? I want to hold these etfs and dca on them. Thanks for your time.
P.S: The $VUAG (-0,28%) you see is on different account , savings separately for my kids.
Dear Community,
Following the events of the last few weeks, I have decided to reduce my US holdings and diversify my ETF portfolio more broadly.
I am currently investing in the $CSPX (-0,28%) and the $AVWS (-0,57%) as an admixture. I no longer hold any individual shares.
I also have a savings plan in place $BTC (-0,96%) and some play money in crypto.
I would like to bring the US share to around the level of a world etf (70.%), so I'm wondering what the smartest approach is.
Option 1: Sell $CSPX (-0,28%) and buying a world etf like $VWCE (-0,39%) or $AVWC (-0,48%)
When selling my s&p etf, taxes would of course be due (currently 25% return). I live in Austria if this is relevant.
Option 2: keep the s&p and buy 1-2 etf in addition e.g. $MEUD (-0,69%) and $XNKY (-0,08%) and save. Here I could of course plan the weighting individually, but it is also a bit more time-consuming in terms of rebalancing.
I would appreciate a few opinions, thank you!
Hi everybody.
I'm building up a portfolio using the approach "#etfsETFs only". I still don't feel confident with single stocks and I don't think stock-picking is the best option for me.
As for now, my asset allocation is the following:
$SPYI (-0,41%) 28%
$C3M (+0,03%) 12%
$MEUD (-0,69%) 10,7%
$GLDA (+0,29%) 10,3%
$EIMI (-0,02%) 9 %
$WITS (-0,12%) 8,7%
$PHPP (+0,14%) 4,3%
I'm going to set $SPYI (-0,41%) +$MEUD (-0,69%) as my core pf , increasing both sizes until they get to 35% and 20% respectively. I don't like bonds in general, so basically I try to decorrelate making use of gold, precious metals and also monetary funds.
What do you think about the whole thing?
Dear community,
I have been a member of getquin for almost 2 months now and I am thrilled with how lively the discussions and contributions are. Thanks to everyone who takes the time to research certain topics and share their knowledge.
I would like to take the opportunity to briefly introduce my portfolio and share my thoughts for 2025.
I have been managing my own investments for 10 years now. I started with ETFs and got into cryptos in 2017 (and got out again after the FTX bankruptcy and the Terra Luna crash). And for a few years now I've also been trading shares and now also real assets (I'm currently testing Timeless). Over the years, I have been able to expand my portfolio.
Due to my family responsibilities, my monthly fixed savings rate is currently €500. I also park monthly surpluses in my call money account and invest them when I see an opportunity. I need a certain amount of cash as we are still renovating and therefore simply need some cash...
My goal is to have at least €500,000 in 10 years so that I can pay off the existing loans on our house. So I would need to generate an annual return of 15%...
Over time, I've built up quite a mix of shares. My credo so far has been not to invest more than €1000 per share (although there have been exceptions) and a stop-loss at 20% below the purchase price. I haven't decided when the best time to sell is and I still don't know which strategy is best for me. I would therefore describe myself more as a hodler...
Now to my plans for 2025.
- I will change the fixed value per share of €1000 and increase it to €5000.
- The stop loss remains in place.
- Keep savings rates at €500 for the time being.
- Reduce the number of shares
- Focus on growth
What could a savings plan look like that I would continue for the next few years?
One point that bothers me is the high proportion of US equities in the global ETFs (cluster risk) - even though this is where most returns have been made historically...
Hence my consideration:
- Save in an ETF with a lower or no USA share (I currently have the following in my portfolio $GERD (-0,45%) where the USA share is only 50% - unfortunately quite expensive with TER 0.5%; or a new start with a $EXUS (-0,63%) ) (share: 40%)
- Saving $MEUD (-0,69%) (20 %), $FLXI (+0,43%) (20%), $WSML (-0,59%) (20%)
- S&P500 or MSCI USA via the 2xSPYTIPS of @Epi (via single payments)
- In addition $BTC (-0,96%) Savings plan of 40€ / week from existing USDC holdings (LTC sales from December) Note: Crypto portfolio cannot be fully mapped in Getquin as the EARN Binance Wallet is not displayed.
What do you think? Does that make sense?
As a next step, am I considering divesting from stocks?
From $OBDC (+0,58%) I would probably divest myself, possibly also $CSCO (-0,02%) . Can you think of any other shares or ETFs that would make sense to sell due to low growth prospects? I would then invest the free money in 3xGtaaa and shares like $ASML (-0,04%) , $NVDA (-1,01%) ...
Overall, I'm still not sure whether my strategy is quite right. Do you have any ideas, suggestions or comments? I would be grateful for any advice.
Thank you and best regards
