Sodala, I've narrowed down my portfolio a bit and tidied up the savings plans.

Biggest shifts in the last few weeks:

MSCI World -> FTSE All World

AI & Big Data -> Nasdaq100

Random Ass Gold ETC -> Euwax Gold 2

Altcoins/Shitcoins -> Bitcoin

Larger multiplier for TR Saveback

I'm out of the "Poah, the theme ETF sounds cool, savings plan 50€ IMMEDIATELY" phase and I have to say, such a narrower portfolio somehow looks nicer too lol. I only kept a classic sector ETF savings plan, I just like it. The savings rate isn't really high either, you can just see what happens.

Here are the updated savings plans, feel free to add your comments. I like mustard

Monthly savings plans:

1.Nasdaq 100 $XNAS (-1,52%)
(Acc, incl. PA): 305 €

2.FTSE All World $VWCE (-0,92%)
(Acc): 100 €

3.Future of Defense ETF $ASWC (-2,25%)
(Acc): 75 €

4.Gold: 50 € $EWG2 (+0%)

5.Crypto:

-$BTC (+0,17%) : 100 €

Hello everyone,

I am 25 years old and am saving for my retirement - so my investment horizon is still very long. Because of my age, I'm prepared to take a higher risk.

My portfolio currently consists of:

$VWCE (-0,92%)

$BTC (+0,17%)

$EWG2 (+0%)

I am now considering whether it would make sense to $DX2D (-1,3%) be included. I am particularly interested:

What opportunities and risks do you see with $DX2D (-1,3%)

Assuming a risk-averse strategy, how would you structure the percentage allocation of my portfolio?

Other suggestions or food for thought are also welcome.

I am currently saving all €50 per month. I'm not sure about the allocation and would be grateful for any food for thought. I am definitely willing to take risks; I have experience with volatility as I have been involved with Bitcoin for some time. Unfortunately, I always sold everything back then because I didn't have a plan or strategy. I am aware of the swap risk and the dependency. I'm currently watching a lot of videos from Finanztipp and Finanzfluss.

I am grateful for any comments, food for thought and your opinion.

Thank you very much in advance and have a nice evening 🫶

I am considering whether it makes sense to hold several physically deposited gold ETCs under certain conditions. I would like to reduce the issuer risk through diversification.

I am very practical and lazy by nature, so I prefer ETCs and don't want to hold gold bars or coins. This also makes selling and rebalancing much easier. If there really is a global collapse, then gold coins will be the least of our problems.

In my opinion, a balanced portfolio should also include gold. Rather as a stabilizer and protection against inflation.

I currently hold 5% gold in my portfolio. I would like to increase this proportion to at least 10% in the future. I invest in $EWG2 (+0%) . Because 10% in just one gold ETC would be too much for me in the future, I am considering transferring my savings plan to $SGBS (+0,3%) transfer my savings plan to . It is also important to me that the gold is held in Europe (Germany or Switzerland for the ETCs mentioned above). If there is a total loss, then at least the money should stay in Europe :)

Do you think this step makes sense? Do you only rely on one gold ETC or do you also diversify? I look forward to your answers.

Buying gold as a bitcoiner feels like buying a DVD at the Mediamarkt today for the next movie night

I did it anyway 🤷‍♂️

Good or bad decision, what do you think?

I have now decided to invest part of my nest egg in gold (it was actually 80 units = 50+30)

I hope that the momentum in gold will continue and that I will get a higher return than the current 2.75% overnight interest rate. (I am of course aware that this is more risky)

$IGLN (-0,55%)
$EWG2 (+0%)

Savings plan ahoy - way to €5,000 gold position 🤡

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 (-1,05%) (HSBC MSCI World ETF, distributing - until the exemption limit is reached, which will probably be soon 🫠 )
• 25 % in the $EQAC (-1,51%) (Invesco EQQQ NASDAQ-100 ETF, accumulating)
• 10 % in $EWG2 (+0%) (EUWAX Gold II, accumulating)
• 7,5 % in $EIMI (+0,06%) (iShares Core MSCI EM IMI ETF, accumulating)
• 7,5 % in $QDV5 (-0,66%) (iShares MSCI India ETF, accumulating)

In addition, my wife saves monthly in the $SPYI (-0,98%) (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 (+0,01%) (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 (-0,98%) (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!

A lot of time has passed since my introduction over a month ago and the one or other post. I was not satisfied with my smorgasbord and have once again taken a serious and intensive look at the subject of the stock market.

Thoughts, suggestions from some nice people here on GQ and also posts https://getqu.in/WB1phr/ have really helped me here.

Thank you for that. @DonkeyInvestor , @Mister_ultra , @Epi , @Ph1l1pp , @ShrimpTheGimp , @MoneyISnotREAL , @Staatsmann

After the introductory words, now to the presentation of my portfolio.

I have finally decided on a strategy that I find suitable for me. The core-satellite strategy. Investment period 20 years.

I will gradually reallocate my previous investments and save an additional 600 euros per month in the portfolio.

For me, the decisive point here was that I continuously build up the "core" and use the satellites to pursue my "ideas" and also generate dividend income.

The percentage allocation of the investments to my individual satellites was based on the average return over the last 10 years.

Core (60%)

-----------------------------------------------------------------------

HSBC MSCI World UCITS ETF - $HMWS (-1,05%) - Share 60.0%

Satellites (40%)

-----------------------------------------------------------------------

HSBC MSCI Taiwan Capped UCITS ETF - $HTWN (-0,4%) - Share 4.9%

Xtrackers Euro Stoxx 50 UCITS ETF - $XESX (-0,34%) - Share 2.4%

Invesco Technology S&P US Select Sector UCITS ETF - $XLKS (-2,06%) - Share 7.8%

Xtrackers Artificial Intelligence and Big Data UCITS ETF - $XAIX (-2,35%) - 7,0%

iShares MSCI World Energy Sector ETF - $WENS (-1,71%) - Share 4.2%

Global X Defense Tech UCITS ETF - $ARMG (-0,54%) - Share 3.6%

EUWAX Gold II - $EWG2 (+0%) - Share 3.0%

Bitwise MSCI Digital Assets Select 20 ETP - $DA20 (-3,32%) - Share 7.0%

Notes on the satellites:

An MSCI Emerging Markets would be a suitable addition to the core MSCI World. As most emerging markets ETFs rate China quite highly, but I am not convinced of this, I have picked Taiwan and chosen the MSCI index there. $HTWN (-0,4%)

Technology $XLKS (-2,06%) and AI $XAIX (-2,35%) are still markets which, in my opinion, have a lot of potential. These two areas are also the reason why I invest in energy $WENS (-1,71%) because the energy demand for AI, cloud, etc. is high.

I still see defense as a trend and have finally opted for the Global X Defense Tech $ARMG (-0,54%) final decision. In my previous post on this, I was more interested in the HANetf Future of Defense $ASWC (-2,25%) . As the European investment volume of the two ETFs (HanETF = 29.38%, Global X = 28.08%) is almost the same, but the Global X $ARMG (-0,54%) invests more in the market leaders (Lockheed $LMT (+2,16%) Northrop $NOC (+2,66%)General Dynamics $GD (-0,57%) etc.), it has now been included in the final selection.

I cover the currency sector with EUWAX Gold II $EWG2 (+0%) and Bitwise MSCI Digital Assets Select 20 $DA20 (-3,32%) . As you have seen from my previous posts, I am reluctant to invest in crypto. That's why it's "only" the Bitwise MSCI Digital Assets Select 20 ETP. This ETP tracks the 20 leading investable crypto assets and is therefore effectively the "MSCI World" for the crypto market.

PS: I have adjusted the crypto ETP slightly downwards in the percentage distribution with a minus of 50%.

downwards. If anyone actually looks at the table, -50% in 2022 is inserted by MIR for regulatory purposes 😉

I look forward to your feedback.

Best regards

Daniel

Hey does anyone here know why $EWG2 (+0%) is no longer tradable on Scrabble Capital ?

can only sell 🤔

So now it's time for me to introduce myself. I've been reading your posts for quite a while now. And I've been able to glean a lot of knowledge here.

About myself, I am 47 years young, married and an employee of a medium-sized company. I have been working intensively on the topic of investing in shares since May 2024. Before that, however, I had already dealt with the topic of investing, but was dazzled by financial advisors etc.. I had invested a lot in investment funds and life insurance policies. However, the returns fell by the wayside.

Until I started looking into ETFs and shares. As is so often the case, the financial advisors naturally wanted to talk me down about the enormous risk I was taking and that a fund would bring much higher returns, etc. etc.

Long story short, I decided to go down this path anyway. I started with a Robovisor (growney). Here I was able to gain my first experience with ETFs.

But I quickly realized that I wanted more, i.e. I wanted to get more involved with ETFs and shares and find my own strategy that suited me. So I opened a securities account with an online broker and then, after intensive research on YouTube, getquin and Google, I started to create my own securities account.

In the meantime, I canceled all my funds and life insurance policies and reallocated my assets.

In May 2024, I then started to build up my own portfolio. So 2024 was more of a practice year. I have now built up my portfolio to the point where I feel comfortable with it.

Now to my strategy, I want to build up assets until I retire

My core is the

$VWCE (-0,92%) This is where the largest monthly savings installment goes in

$EWG2 (+0%) I see gold as a small security and stability for my portfolio, which will be expanded in small steps.

$XEON (+0,01%) Money market ETF is our emergency fund, which will be expanded in small steps, as repairs etc. are also paid from here.

$BTC (+0,17%) I see Bitcoin as a long-term investment, this will also be further expanded via a savings plan, but I would also like to realize partial profits in the future

Then I have decided on a few individual stocks, which I have selected so that they are not so highly weighted in my core and where I see growth potential in the future. These will be held for the medium to long term and expanded with savings plans.

$NU (-11,11%)
$HIMS (-26,15%)
$ASML (-0,72%)
$SFM (-12,04%)
$NOVO B (+5,32%)
$SHOP (-5,86%)
$SNOW (-3,37%)
$SP20 (-1,48%) The S&P 500 Top20 serves as a small yield booster, but it remains to be seen...otherwise it will be reallocated to the all World

That's it for now, I'm always open to constructive criticism and improvements. I'm looking forward to an exciting time here.