The year is coming to an end and for me personally it was the strongest year since I started investing 3 years ago.

There were many very red days, but of course also many very green days. The most important thing for me: no matter what happened, I stuck to my strategy.

My returns were not only generated by my savings plan, but also by making active decisions over the course of the year. I consistently invested several hundred euros a month through my savings plan. Mainly in ETFs such as the $IWDA (+0,2%) and $IUIT (+0,55%), supplemented by individual stocks such as $AAPL (-1,02%)
, $PEP (-2,7%) or also $ASML (+0,07%) .

I also bought additional shares on strong sell-off days. There have been a few of those this year 😅

If you take a look at my portfolio, you can see that I like to invest in large, high-quality companies that have temporarily come under heavy pressure. I deliberately focus on a rebound. Examples of this are $UNH (-1,41%)
, $MC (+0,4%) , $ASML (+0,07%) and $GOOGL (+1,56%) , which were undervalued for me at the time.

This year I also invested in crypto for the first time: bought several $ETH (-1,57%) for around 2k and later sold them completely at around 3.2k. ( A bit of luck definitely played a part in that :D )

All in all, it was an extremely exciting year from which I learned a lot and was able to take a lot with me.

Companies that I currently find interesting and am already invested in are: $ADBE (-1,8%)
, $SBUX (-2,93%) and $UPS (-0,51%)

Today is my 20th birthday and I thought I'd share my portfolio with the GetQuin community.

Last week I passed my final apprenticeship exam as an electrical and building services engineer with a special module in building control technology with an excellent result.

I first got involved with shares and ETFs when I was about 14 years old through various YouTube videos and had already developed a great interest in them. I made my first small investment at the age of 16, which at the time was around €600 in Bitcoin via the Swiss provider Relai (my average purchase price is €23,500)

On my 18th birthday, I opened a securities account with Trade Republic and invested in shares for the first time and immediately set up a savings plan. I continued to save and invest diligently. My savings rate was around €500 per month. I invested in 4 ETFs ($VWCE (+0,24%)
$VHYL (+0,09%)
$IUIT (+0,55%)
$XAIX (+0%) ) and various individual shares.

From time to time I added a bit more crypto to the portfolio, but I didn't buy any more this year as the crypto weighting in the portfolio became too high for me and my focus is more on shares and ETFs.

The gold in my portfolio comes from gifts for my birth and first communion.

As I will be joining the Austrian Red Cross as a civilian servant next week and will then only earn just under €950 per month, the savings rate will be reduced to €200 for the time being and will only be invested in $VWCE (+0,24%) and $XAIX (+0%) saved. When I see how I manage with the money, I will increase or decrease the savings rate accordingly.

I would be very interested to hear what you think of my portfolio and would also be very happy to receive suggestions for improvement.

Hello everyone,

I am 20 years old, currently have a custody account of around CHF 37,000 with IBKR and save around CHF 600 per month.

My current statement:

• ETFs: $IWDA (+0,2%) (MSCI World), $IUIT (+0,55%) (S&P 500 IT), $IGLN (+0,56%) (Gold)
• Individual stocks: $NVDA (+2,5%) , $GOOGL (+1,56%) , $BRK.B (-0,13%) $IBKR, $RHM (-0,18%)
• 
  Cash: almost nothing

Considering:

• Selling some SWDA and also reducing some gold.
• With the capital freed up, invest more in S&P 500 / Nasdaq or in individual stocks ($MSFT (-0,46%) , $META (+0,27%) , $AMZN (+1,11%) , $NOVO B (+8,45%) ).
• Possibly also $BTC (-1,27%) slightly for more "risk-on".

My thoughts:

• MSCI World is too broad and too heavy in Europe/Japan for me, I see more long term return in the S&P 500.
• Gold is okay for safety, but maybe I don't need 10% at 20 years.
• I want more growth / oomph, I am also prepared to endure short-term fluctuations.

👉 Questions for you:

• Would you cut SWDA and weight S&P 500 / Nasdaq more instead?
• Reduce gold and increase tech or EM instead?
• Is it worth adding to Bitcoin or growth stocks like Novo Nordisk at my age in order to achieve even higher returns in the long term?
• Or would it be better to leave everything as it is and just optimize via the savings rate?

Thank you for your feedback 🚀

Hello everyone,

I am 28 and would like to invest for the long term. My savings rate is around 600€-800€ per month.

Briefly about the current positions:

The $VWRL (+0,23%) position is in the savings plan.

$ALV (+0,2%) The savings plan ran initially and I am currently simply holding the position and not expanding it any further.

$QYLE (+0,1%) was also once in a savings plan. The aim here was to generate cash flow, but I would now rather reallocate in order to get a higher return in the long term.

$MEUD (+0,26%) runs in the savings plan to increase the European share.

$IUIT (+0,55%) I like to buy more when there are setbacks and use it as a yield booster. Also in the savings plan.

$BTC (-1,27%)
$ETH (-1,57%)
$SOL (-1,49%) are partly older. I am considering expanding them.

I would be pleased to hear your ideas and opinions on what you would do - also with regard to regrouping and structuring the savings plans.

Thank you very much for your encouragement!

Hello everyone, I need your advice on my portfolio. Classic core satellite strategy with a few just4fun bets.

Unfortunately I overslept the merger of my Lyxor MSCI ETF in March and now have Amundi. Had to pay tax of course and then went into the red with the customs policy. Learning: No more Amundi...

As soon as the ETF is positive, I want to sell it. But I can't decide whether I should simply switch into one $IWDA (+0,2%) or should I rather shift everything into my $IUIT (+0,55%) should I shift everything into mine? I'm simply hoping for a higher return, but that also means more cluster risk... an S&P 500 would also be an option. The USA is simply the yield machine and I'm hoping for a better performance.

Additional question to all Austrians: Would you buy dividend stocks at Trade Republic? I'm with Flatex, my positions are still small but at some point the dividend fee will kick in and I find it really outrageous.

What do you think?

Hi folks,

I also wanted to take the opportunity to ask the community for advice. I'm still quite new here (started in January 2024) and have been thinking about changing my ETF savings plan strategy for a few weeks. I am currently saving the 5 ETFs you see in the screenshot below, each with 200€ / month.

$XDWD (+0,26%)
$IUIT (+0,55%)
$CSNDX (+0,14%)
$VWRL (+0,23%)
$VUSA (+0,16%)

However, I've been thinking more and more about stopping either the S&P 500 Info Tech. or the NASDAQ 100. I actually have two ETFs in mind. Divided into distributing and distributing per world and with a focus on the US, which would then be the case.

However, in recent weeks we have been reading more and more here and in other media about the $TDIV (+0,39%) and also from $JEGP (+0,15%) .

I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (+0,39%) and $JEGP (+0,15%) tempted to expand after all 🙈😅

What would you advise me to do? My investment horizon is 30+ years. In addition to the €1,000 in ETFs, I save €1,000 a month to invest in individual shares.

Completely different ideas for the constellation are also welcome. I like to be inspired and think about it.

PS: before I forget, a huge thank you to this great community, which has made my start in investing much easier. The daily posts and discussions are fun and expand my knowledge from day to day. A positive side effect is the reduced consumption of other social media 🤣

Enough said, I look forward to your feedback. Have a nice rest of Sunday everyone!

John

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 (+0,21%) .

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 (+0,18%) and FTSE All-World $VWCE (+0,24%) are in the foreground.

Yes, I am also saving here at the same time $VWRL (+0,23%) 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 (+0,18%) - 150€

All-World $VWCE (+0,24%) - 70€

All-World $VWRL (+0,23%) - 70€

MSCI World $IWDA (+0,2%) - 40€

S&P 500 Information Tech $IUIT (+0,55%) - 30€

All-World High Divid. $VHYL (+0,09%) - 30€

VanEck Sustainable World Equal $TSWE (+0,33%) - 30€

VanEck Developed $TDIV (+0,39%) - 15€

iShare DJ Global Titan 50 $EXI2 (+0,7%) - 15€

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

For example, since I hold the DJ Global Titan 50 $EXI2 (+0,7%) and the MSCI World $IWDA (+0,2%) 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 (-0,13%)

$BLK (-0,7%)

$PG (-1,29%)

$PEP (-2,7%)

$KO (-1,13%)

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.