Hello everyone,

With today's high, I have cracked my first target of €50,000 for the first time.

The next target is of course €100,000, hopefully by the end of 2026/beginning of 2027.

I would therefore like to present my portfolio to you and hope that you will have any suggestions for improvement and constructive ideas.

Basically, the focus is on buy and hold / growth. But a dividend is also nice.

I started thinking more intensively about the whole topic around the beginning/middle of 2023, at the age of 29. The aim is to possibly reach the millions after all, or in any case to have a more comfortable retirement later on.

Before that, it was more about trying things out or the "safe" investment that you get from your parents. In the meantime, we saved in stories such as DWS funds. I still have one of these "corpses", the DWS Vermögens... $HJUF (-0,07%) .

However, this is also to be restructured in the near future.

I am currently working on increasing my ETF positions to get to a ratio of 50%/50%. I have not been so successful with this recently, as I have increased many individual stocks due to the low.

Actually, the iShares Core S&P 500 $CSPX (+0,12%) and FTSE All-World $VWCE (+0,19%) are in the foreground.

Yes, I am also saving here at the same time $VWRL (+0%) for a few more dividends a year. You are welcome to give your opinion on whether this makes sense or whether you should only take one of the two.

My current monthly ETF savings plans at a glance,

Core S&P 500 $CSPX (+0,12%) - 150€

All-World $VWCE (+0,19%) - 70€

All-World $VWRL (+0%) - 70€

MSCI World $IWDA (+0,16%) - 40€

S&P 500 Information Tech $IUIT (-0,26%) - 30€

All-World High Divid. $VHYL (-0,32%) - 30€

VanEck Sustainable World Equal $TSWE (-0,18%) - 30€

VanEck Developed $TDIV (-0,2%) - 15€

iShare DJ Global Titan 50 $EXI2 (+0,23%) - 15€

Here, too, a merger would be conceivable and also make sense.

For example, since I hold the DJ Global Titan 50 $EXI2 (+0,23%) and the MSCI World $IWDA (+0,16%) with a small amount for ages, I have not yet been able to part with them.

I still save the following shares weekly at €7 each on the side,

$BRK.B (+0,06%)

$BLK (-0,21%)

$PG (-0,01%)

$PEP (+0,09%)

$KO (-0,02%)

In addition to the above, I buy individual shares, ETFs or top up positions worth a further €500, depending on prices.

On average, my monthly savings rate is therefore around €1,000-1,500.

As already mentioned, I would like to ask the community for their opinion, any suggestions for improvement and constructive ideas.

Thank you very much, best regards and happy trading days.

Hello everyone, I need your point of view. I still have three actively managed investment funds in my portfolio ($HJUI (+0,07%) , $HJUF (-0,07%) approx. 10k each and $SR1J9K (-0,25%) approx. 22k, total portfolio approx. 370k). My father once invested them for me and they have performed quite well (see screenshot), but I'm not really a fan of active funds, especially because of the TER. However, I'm struggling with whether I should switch, as I have to pay some of the tax. I am torn...what is your opinion?

Your general opinion on actively managed funds is also welcome...they certainly have a right to exist.

Thank you & greetings

Creon

Savings plan junior

Transfer from inheritance