Hello Getquin Community,

as I have been wanting to thin out my portfolio and make it more compact for some time now, I have been thinking about the best way to do this over the last few days.

I started today, $KO (-0,72%) sold and exchanged for $MAIN (-4,94%) exchanged. 🏦 🔄 🥤

The background to this is that I am currently very focused on basic consumer goods and am not yet very well positioned in the area of finance (apart from Visa).

My savings plans for individual shares $SHEL (-0,8%) , $WM (-3,29%) , $8001 (+2,63%) , $MCD (-3,22%) , $LIN (-0,45%) and $ALV (-4,09%) have been stopped and the positions will be liquidated as soon as they are positive.

Individual stocks that are still being invested in on a monthly basis are $NOVO B (-0,1%) , $PG (-0,46%) , $PEP (-1,85%) , $V (-1,21%) and $DTE (-0,69%) due to the currently attractive valuations.

The sum of the removed savings plans is added to the $IWDA (+0,5%) and $FLXI (-0,77%) will benefit. I am also adding the $LDGL (-0,41%) ETF into my custody account as a "cash cow". 💸

What do you think of my restructuring?

Hello everyone,

Some time ago, at the beginning of the Iran war, I reorganized my portfolio to make it easier for myself overall.

I sold my individual stock positions with profits and have now switched my portfolio to an ETF structure. I simply want to build up assets for my family for the future without extreme risk and away from conventional call money/accounts. Dividends are not intended as income but rather as annual vacation money for the family to enjoy.

I am currently looking for additions to my ETF positions. Currently led by $XDWD (+0,36%) , $ISPA (+0,03%) , $LDGL (-0,41%) , $EIMI (+1,66%) , $D6RR (+1,02%) I am quite satisfied. All are saved with a total monthly savings plan of EUR 850.

The EM position will also be increased again with the next special payment and price correction in order to further increase the emerging markets.

Which ETFs would be useful to include in my portfolio? Do you have any ideas? I would like both accumulating and distributing.

I am currently thinking of small caps ?

Please do not include the business shares/ Uni Global positions, as these positions are VL and employer shares with 7% dividends.

Best regards

My path to my goal:

My securities account has just cracked the €30,000 mark. What looks like a round sum is the result of a tough decision: I radically restructured my portfolio and sold 58 individual shares in order to focus on the essentials.

Why I sold 58 shares:

My portfolio used to consist of a "zoo" of over 50 individual stocks. But I have learned two things:

Time is money: as a shift worker, my time is precious. Tracking 50+ companies, reading quarterly reports and following the news was pure stress.

Focus beats dispersion loss: Many individual stocks neutralized each other. I wanted to move away from being a "hobby analyst" and become a strategic investor. The sale was the liberating blow to swap complexity for efficiency.

My strategy: the "two-pillar model"

I now invest stubbornly and automatically in two highly efficient ETFs:

#etfs

$VWRL (+0,55%)

Vannguard FTSE All-World (Growth): My engine. Maximum world diversification. This is where I build the foundation for my assets.

$LDGL (-0,41%)

L&G Quality Dividend (cash flow): My harvesting machine. This is where I secure a growing monthly cash flow that shows me today that my money is working for me.

My goal & outlook:

My current interim goal is to reach €40,000 by the end of the year. In the long term, I plan to save until I retire in 2048.

Savings rate: 500 to 1000 euros per month

1,000 is paid into a fixed deposit every month, covered by my basic salary.

The turbo: Every allowance from my shifts is invested to shorten the time to financial freedom.

The vision: At some point, I will shift the weighting in favor of cash flow in order to live off the dividends.

My motto: While others are still pondering the perfect individual share, I am already invested. The market never sleeps and neither does my portfolio now.

$LDGL (-0,41%) 275 purchased at 9.138 each.

rebalacing core.

$LDGL (-0,41%) 275 pieces at 9,155 euros each.

Busy rebalancing core of portfolio.

$LDGL (-0,41%) is a monthly distribution equity ETF with over 900 holdings within it and which are more to less "equal weight."

The top 10 holdings are less than 3% of the ETF in proportion the $VHYL (+0,05%) has in the first 10 positions out of over 2200 already about 11% of the ETF while it $LDGL (-0,41%) has only +900 holdings but they are better equi-weighted and the average dividend on about 4% (VHYL stands at 2.6-2.8%) even though it has only taken out 3 to date, bodes well for those who want to invest in an instrument that gives capital growth and at the same time a monthly dividend that is neither too high nor too low.

Geographic diversification is a high highlight of this ETF that unlike the classic "World" or "Tech" there is no exposure to the U.S. 🇺🇸 of about 70 percent but only a 30 percent having also a nice exposure to Europe almost 40 percent and a 23 percent of Asia of which 17 percent is represented by Japan alone 🇯🇵

This ETF is very new but has already exceeded 100 million in assets under management and is growing fast...for the future I imagine this ETF will grow although not as fast as those that have a lot of tech, but the fact that the 900+ holdings within it are fairly equi-weighted, should be able to keep the average dividend fairly stable at 4% barring any major market shakeups globally.

Let me know what you think of the $LDGL (-0,41%) and whether you also have it in your portfolio or plan to include it in the future.

PS: This post is not investment advice but just my personal opinion about an ETF I have in my portfolio.

$LDGL (-0,41%)

$LDGL (-0,41%)

I took the plunge and put some serious butter in it.

I'm looking forward to the first dividend.

Best regards 🖖🏼

$LDGL (-0,41%) dividend received 1110 times $0.0353.

total $39.18.