Hello and best regards from Bavaria,

I have the iShars Physical Gold ETC in my portfolio $IGLN (-1,01%) .

Custody account value approx. 12,500€, of which 4,500€ are price gains.

I took it at the time because it was the largest gold ETC at TradeRepublic.

After researching, I found out that this gold ETC is not tax-exempt. This means that if I were to sell it now, I would be subject to withholding tax, etc.

At the same time, I have just opened a custody account with JustTrade. Actually only to invest a very small part in Epi's (@Epi ) Wikifolio.

There I saw that the Xetra Gold $4GLD (-0,53%) is available.

This is tax-free after a holding period of one year.

Now my question:

1. sell the existing iShares ETC and take the tax deduction in full and switch to the Xetra? Disadvantage here: The tax deduction of around €1000 is lost and can no longer "work" for me.

2. or simply keep the iShares ETC and only save in xetra Gold in future? Disadvantage here: If the gold price continues to rise, the price gain on the iShares ETC will also continue to rise. As a result, the withholding tax payable on a later sale will continue to rise.

What would you decide on, or your opinion?

Best regards

First of all:

Thank you for the warm welcome to the getquin community!

Unfortunately, I did not read the HowTo:Portfolio feedback on GetQuin from @DonkeyInvestor

for a detailed presentation only later and this time I'm trying to write in more detail than the first time and to substantiate the decisions I made in order to possibly receive even more precise feedback from the community. 💛

My personal goal is to become completely debt-free and at the same time start steadily building up assets 📈to improve my private pension provision in 2026. I am expressly prepared to take a higher risk in the first year of my investment and am therefore trying out almost everything.

This year, I would like to operate according to the conscious principle of "set and forget" and consciously review my strategy at the end of 2026 between the holidays and adjust it if necessary.

Instead of "keep it simple", it's more likely to be "overenginerring."

I see your numerous tips as the reason for this, for which I would like to thank you again at

@Epi
@Gehebeltes-EFH
@Stullen-Portfolio

@Metis
@Wealth-Accelerator

@Multibagger
@Sunrise-Mantis
@EisenEnte

@PositivePossum
@schlimmschlimm

@Brazzo_Muc and @GoDividend

and my general motto in life:

"Anyone can do simple!"

I think at this point in time, investing with "putting everything into the AllWorld ETF" would only be half as much fun for me and would rather bore me. Everything is still so new and unknown. 🤯

I'll then see whether the different investments were generally a good thumbs 👍🏻 or a very bad thumbs down 👎🏻Idee.

The sum of € 5,071.00 that I have already firmly capped and gradually planned to invest in this first year 2026 has already been completely written off in my mind as play money.

For the necessary diversification (ETF, ETC, individual shares and crypto) in my portfolio, I have taken further INCENTIVES and have switched from the initial €100 per month savings plan to an accumulating AllWorld ETF and have set up an additional savings plan of €40 per month on the same AllWorld ETF in distributing form in mid-January 2026.

In the meantime, I came up with the idea at the end of January 2026 and added the two existing savings plans $VWCE (-0,16%) and $VWGL additional savings plans ($AIQG (+1,01%)
$RENW (-1,7%)
$IGLN (-1,01%)
$BTC (+0,53%)
$VHYL (+0,24%)
$ISPA (-0,01%)
$FGEU (-0,31%) to a total of 9 savings plans with a monthly sum of €300.

Unfortunately, it was already too late to execute the savings plans by direct debit at Trade Republic at the beginning of 02/2026. Therefore, they will now only be executed in the middle of this month.

Yesterday I spontaneously decided to place a €50 single order in bitcoin. I just let myself be carried away by the postings. 🤑

The planned unscheduled repayment (€500 per month) for my car loan has now worked well for two months and will be prioritized in order to actually become debt-free more quickly.

The specific amounts and items invested to date and in the future can be seen in this Excel table.

Regarding the 6 suggestions from you @Epi (Yes, you'll get the promised feedback here), I've given the following thoughts in detail, from which my plan is then based.

Deka funds:

The two savings plans of €50 per month each were already suspended by me and were actively used to service the first savings plan of €100 per month.

In addition, I am now liquidating the two sub-custody accounts belonging to the savings plans one by one and selling €100 per month in order to achieve the best possible average value in the sale.

The €100 is then immediately reallocated in the form of five savings plans per month and reinvested as follows:

Core: 65%

Satellites: 35%

of which:

Clean Energy 10%

AI: 10%

Bitcoin: 10%

ETC Gold: 5%

VWL:

I will keep the monthly €40 VWL on the third sub-deposit with Deka until I develop the motivation to inform my employer of another contract. At the moment I have no need to be in contact with the HR department any more than necessary.

Nevertheless, I have set up an additional savings plan of €40 per month for the All World ETF distributing from February 2026.

I'm keeping the three individual shares plus the Xiaomi bonus share in my portfolio to develop a feel for shares.

No further individual stocks are currently planned. This fits quite well in this respect, as I have to hold the bonus share for a year before it can be sold.

Bonus savings contract:

The premium savings contract with a term of 99 years under the "old law" has an annual investment of €150 per month at €12.50 with a guaranteed premium of 50% plus interest and compound interest. After checking the terms and conditions of the contract, switching to 0 would result in an immediate loss of the premium. For this reason, I have decided to keep the contract.

Saving & winning without savings:

Just as I was about to decide whether to cancel the savings tickets, one of the tickets won €1,000 in January 2026. For this reason, I decided to keep my 10 tickets after all.

A key point of my savings lottery tickets is that I get €480 of the €600 back at the end of the year.

These will also be distributed by me to the 5 selected savings plans in December in the same weighting as for the reallocation from the Deka Depot.

The profit from the savings lots in the amount of €1,000 goes to$XEON (+0,01%) for "max. interest".

Nest egg:

My real nest egg, on the other hand, I keep completely in the call money account so that it is always immediately available to me.

To give me a feel for dividends, I've also picked out three dividend ETFs that I invest €20 a month in.

In combination, these three ETFs ensure that I receive a planned dividend every month. That sounds like a lot of dopamine, at least in theory, so I really like it.

What will actually still be there in 01/2027 from the €5,071 invested is already a 100% profit for me, because after I fell for the game "WOS" 🥶(who knows it?) almost a year ago and blew around 5k on digital crap in 3 months and above all to improve my stove 🔥🪵, this is clearly the better alternative to spend my money on dopamine boosts and pass the time. And being part of a community online at the same time. What more could you want?

So, I'm already looking forward to your feedback. Be honest, I can take it! 🤞🏻

VG

QW3RTY

PS: I could not share my portfolio. The function was grayed out.

Gold and silver are often presented as if they were:

• immune to interest rates
• independent of monetary policy
• free from sentiment

In practice, they react:

• sensitive to real interest rates
• brutally to dollar strength
• and just as emotional as everything else

The difference: with precious metals, volatility is simply called "patience".

"Gold is stable in value"

Yes, in the very long term.

A savings book was also nominally stable for decades - but unfortunately worthless in real terms.

If you buy gold, you buy:

• no cash flow
• no growth
• no innovation

But the hope that someone else will buy it later at a higher price.

That's not an accusation - it's simply the model.

Silver - the eternal little brother

Silver is at the same time:

• Store of value
• industrial metal
• economic indicator

A bit of everything - but nothing really.

When it rises, it is "the new gold".

When it falls, it was suddenly "cyclical anyway".

Very convenient.

And then there's Bitcoin

Not a metal. No myth. No storage costs.

No opening hours. No central storage. No arbitrary expansion.

A firmly defined range.

An open, verifiable system.

An asset that nobody controls and everyone can check.

But of course: far too risky.

It's interesting how often "security" is confused with "familiarity".

Conclusion

Gold and silver have their role.

What they are not: infallible, without alternative or morally superior.

Anyone who pretended last week that there was only one truth,

is learning once again that markets know no dogmas.

Perhaps the fault lies not in the asset -

but in the need to always want to be right.

$4GLD (-0,53%)
$IGLN (-1,01%)
$GLDA (-0,32%)
$SGLD (-0,51%)
$SSLN (-2,19%)
$PHAG (-3,17%)

$BTC (+0,53%)
$MSTR (+2,41%)
$3350 (+7,03%)
#bitcoin
#silver
#gold

January is off to a strong start with some strategic moves in my portfolio. Here are the details:

✅ Strategic sale $CSCO (+1,71%)

• Cisco Systems I sold my Cisco shares to free up capital and seize a more promising opportunity.

🚀 Ambitious new purchase $MPWR (+0,98%)

• Monolithic Power With Cisco's cash, I invested in this semiconductor nugget. I'm aiming for stronger growth and a booming sector.

📈 Buying to diversify $MSE (-0,63%)
$CSNDX (-0,02%)
$VHYL (+0,24%)
$IGLN (-1,01%)

• ETF I'd like to invest in the following ETFs: Amundi EURO STOXX 50, iShares NASDAQ 100, Vanguard FTSE High Dividend, and even a little gold with iShares Physical Gold.

• Equities Zoetis (animal health) and Novo Nordisk (pharmaceuticals), to strengthen the health sector in my portfolio. $ZTS (+0,75%)

• Gaztransport & Technigaz a strategic addition to my energy portfolio. $GTT (-0,58%)

• 💎 Crypto always present $BTC (+0,53%)
  $ETH (+0,11%)
• 
  Bitcoin & Ethereum : a few purchases to stay exposed to blockchain.
• Bonus: I've even received awards in ETH, that's fun!

🔥 In a nutshell

January was rich in movement : sales, purchases, crypto and diversification all the way.

Objective 2026: growth, innovation and a portfolio on the move! 🚀

Two months ago, I was delighted to receive my first Onebagger - gold.

Today I can be happy again - the 10k have been cracked 🥳

I bought my last gold several years ago. Since then, it's been gaining value by stubbornly "lying around". What more could you want 😁

Tomorrow there will be a final update on the Tenbagger community project. And then we'll see you again in the new year.

$IGLN (-1,01%)
$4GLD (-0,53%)
$GDXJ (-4,96%)
$SGLD (-0,51%)
$GLDA (-0,32%)
$GOLD
$GOLD (-7,76%)
$DE000EWG0LD1 (-0,42%)
$GOLD (+1,27%)

Hello everyone,

I am 20 and would like to build up a portfolio for long-term growth and security.

The breakdown of my monthly savings plans:

66,7% $ISAC (+0,18%)

8,3% $WSML (-0,19%)

8,3% $MEUD (-0,8%)

8,3% $QDV5 (-0,38%)

8,3% $IGLN (-1,01%)

I would like to hear your opinion on whether you think this makes sense or would exchange/add a position or maybe you also say it is smarter to just save the $ISAC (+0,18%) to save.

$EWG2 (+0,14%) has already been down around 1% for half an hour, at least the selling price. The spread has widened to almost 2%.

$IGLN (-1,01%) is close to 0%.

Something is wrong. This is not normal.

Risk of failure? Delivery problems?

To all $EWG2 (+0,14%) I would advise all holders to keep a closer eye on the next few days and possibly swap into other ETCs.

Your Epi

Hello dear community,

I am considering restructuring my portfolio and investing in various ETFs.

• 50 % $VWCE (-0,16%)
• 
  10 % $SEMI (+0,54%)
• 
  10 % $INRA (+0,55%)
• 
  10 % $CEBT (-2,93%)
• 
  10 % $ESIF (-0,79%)
• 
  10 % $IGLN (-1,01%)

To start with, I would like to invest €5,000 accordingly and increase it monthly according to the same distribution.

My thoughts on this:

• unagitated basis in the world ETF
• More risk and potentially more profit in sector ETFs. Sectors that I personally think will become relevant in the coming years and decades.
• Somewhat more speculative sectors such as semiconductors, green energy or precious metals. But supported by more solid sectors such as finance and gold.

What are your opinions on this? I would be delighted to receive feedback! :)

Greetings,

I generally don't think much of posts on feeds from any media, as they don't bring me any added value but merely serve to present myself. Now that I have followed the publications and reactions a bit, I think I have seen more than less constructive members here.

For this reason, I have decided to make the first post of my life here. It's not directly about sums, I just want to ask for your assessment of my savings plan and target allocation. Constructive criticism and suggestions for improvement are expressly welcome.

The whole thing is intended to reflect a core-satellite strategy with a 1:1 risk/reward ratio.

Global diversification (core) - 60%:

• $CSPX (-0,01%) - 25%,
• $MEUD (-0,8%) - 17%,
• $LEM (+0,42%) - 10%,
• 
  $XDWH (-0,22%) - 8%,

Individual securities (satellites) - max. 20%:

• 
  $BRK.B (+0,36%) - 5%,
• 
  $IBE (+1,8%) - 3%,
• 
  $CRWD (+0,76%) - 3%,
• 
  $HUBS (+4,14%) - 3%,
• 
  $AVAV (-1,49%) - 2%,
• 
  $NTLA (+1,35%) - 2%,
• 
  $BWXT (-0,69%) - 2%,

Buffer (security) - approx. 20%:

Raw materials:

• 
  $IGLN (-1,01%) - 6%,,
• 
  $CMOE (-0,11%) - 4%,

Bonds:

• 
  $0GGH (-0,21%) - 6%,

Real estate:

• 
  $IWDP (+0,32%) - 4%.

My thought process should be clear. The core should cover global performance with a percentage distribution based on economic strength. Separately, the World Health Care ETF, as people are getting older and sicker and, in my opinion, the healthcare sector is not so strongly represented in the other ETFs.

For the satellites, my thought process is as follows:

Berkshire can be seen as an ETF and covers successful individual stocks.

Nothing works without energy, hence BWX (USA) and Iberdrola (Europe). I see digital security threatened by AI and the further development of data centers etc., hence CrowdStrike. Companies will always need good software to be able to expand and still keep track of things, hence HubSpot. In connection with AI and the armed conflicts in our world, I see drones as a future-oriented technology in all possible areas, hence AeroVironment. And I discovered Intellia as a medical catapult, which is admittedly a bit of a gamble, but always gets a lot of drugs into the test phase.

I don't think I need to say much about the buffers, as in my view these are the investments that remain stable or grow in difficult market phases when everything else is falling.

This gives you a little insight into my thinking and actions. Please don't tear it apart, I'm not a professional but I'm sacrificing some of my remaining free time to get a bit of an insight into the world of capital and maybe get a small slice.

I welcome any opinions and suggestions for improvement.

I wish everyone a successful week!

Best regards

Nils