1Wk·

Two depots, one goal: peace, freedom and a predictable transition

Dear Community,

At the end of the year, I would like to share my portfolio and my strategy with you.

I am 38 years old, have been in the stock market since 2024 and am aiming for financial freedom at the age of 58. Time will tell whether that will work out... 😉 I'm not investing to maximize my profits, but to be able to live a relaxed life in the long term. To this end, I have deliberately separated my investments into two portfolios with a clear purpose.

Portfolio 1 - Growth (ING)

$VWCE (-0.21%) , $XNAS (-0.33%) , $WGLD (-1.1%) and as an admixture some Bitcoin via ETP $IB1T (-0.8%) .

This portfolio is saved monthly until 58 and then remains more or less untouched.

My savings rates would be:

800€ $VWCE (-0.21%)

375€ $XNAS (-0.33%)

150€ $WGLD (-1.1%)

0€ $IB1T (-0.8%) - Position is currently at 10% and should rest for the time being

Portfolio 2 - Cash flow (SC)

Here I am investing via 2 dividend ETFs ($VHYL (-0.08%) , $TDIV (-0.11%) ) and selected quality stocks to build up a steadily growing cash flow. All distributions are reinvested equally in the ETFs. Furthermore, a small cushion is built up here via $XEOD (+0%) is built up here.

My savings rates would be

250€ $XEOD (+0%)

200€ $VHYL (-0.08%) - Start January 26

200€ $TDIV (-0.11%) - Start January 26

425€ Individual assets (as required, no savings plan, no obligation)

My individual stocks:

Allianz $ALV (-0.04%)

Munich Re $MUV2 (+0%)

Procter & Gamble $PG (-0.27%)

PepsiCo $PEP (+0.08%)

Johnson & Johnson $JNJ (-0.25%)

Novo Nordisk $NOVO B (+1.1%)

Lime $LIN (+0.13%)

ADP $ADP (+0.38%)

Waste Management $WM (+0.1%)

Siemens $SIE (+0.29%)

Accenture $ACN (+0.11%)

Alphabet $GOOGL (-0.28%)

Itochu $8001 (-1.42%)

visas $V (+0.12%)

No speculation, no trading. For most people here, extremely boring... 😴 But hopefully the selection will bring some stability to the portfolio in turbulent times. 😉

For the time being, we will stick with these stocks and gradually buy more when good opportunities arise. Each individual position will of course be capped later and should make up between 2-3% of the portfolio (including the proportion within the ETFs). Alphabet would be an exception.

The reallocation idea

Nothing is invested from 58. The plan is to reallocate around 5 % annually from custody account 1 to custody account 2. In this way, growth is gradually converted into cash flow - without significant erosion of assets. And in the best-case scenario, my growth portfolio can continue to grow. I consciously accept taxes 😉

Thank you for reading and have a successful 2026.

P.S. My allocation doesn't fit yet because I've been focusing more on my individual stocks in recent weeks. Chart is also not meaningful because of ING Autosync and Itochu split 🥲

20Positions

€103,015.05

8.38%

6 Comments

wealth_navigator_2081@wealth_navigator_2081

I think your depot is suuuuper. Looks like chatgpt helped build it.

Also an exciting strategy.

I've also spent the last few evenings restructuring my portfolio. Simply because I can't keep my feet still and a few individual stocks just spice things up.

I think my portfolio could look similar without the dividend stocks. I will probably increase the core share instead and go for S&P and EU momentum. 👍

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ShrimpTheGimp🦐@ShrimpTheGimp

@wealth_navigator_2081 Thank you 🙏
It's been a long road with lots of back and forth... 😅
But it's all part of the process, it's also valuable experience.

Of course, ChatGPT was always there as a little reminder 😊 although we weren't always on the same page 🙈

Even though I'm "only" 38, I already wanted to deal with the topic of a withdrawal plan. Unfortunately, it's not talked about enough... That's exactly where my cash flow portfolio came from.

But thank you for your feedback and happy new year 😉

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wealth_navigator_2081@wealth_navigator_2081

It's definitely a good idea! I'm also only 33, but since I have all the shares in a holding company, I would first have to pay 30% trade and corporation tax on all dividends... That's why I don't yet know how I'm going to handle the withdrawal 🤪Wish you a happy new year too 🥂

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ShrimpTheGimp🦐@ShrimpTheGimp

@wealth_navigator_2081 Unfortunately, I'm not familiar with a holding company. 🥲 But you'll find a sensible solution.

Another thing I would like to point out... I will save my ETFs for 10 years and then switch to another issuer, e.g. $SPYY or $CSNDX and sell the newer ones first. That way, at least I'll have to pay much less tax when I switch, thanks to the FiFo principle. And more capital to work with.

If you have found a solution or strategy, please feel free to share it. I would be delighted and interested. 😊

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wealth_navigator_2081@wealth_navigator_2081

Hello Shrimp!

Thanks for your great input. I've now changed my mind again and have given the portfolio a higher individual value.

40% ACWI
10% gold
50% single stocks distributed among the following values:

- Microsoft (Software & AI)

- Alphabet (Search & Data)

- Amazon (e-commerce & cloud)

- Meta (Social Media)

Payment & financial infrastructure

- Mastercard (payment network)

- Visa (payment network)

- S&P Global (financial ratings)

- Berkshire Hathaway (conglomerate/holding model)

- Munich Re (global market leader in reinsurance)

Semiconductor & Software (growth)

- ASML (monopoly in lithography systems)

- Applied Materials (AMAT) (market leader in chip equipment)

- ServiceNow (platform for workflow automation)

- MercadoLibre (e-commerce & fintech Latin America)

Infrastructure & Defensive Anchor

- Waste Management (market leader in waste disposal)

- Linde (Gases - Global)

- Air Liquide (Gases - Europe)

- Procter & Gamble (Consumer Staples)

- PepsiCo (Consumer Staples & Snacks)

Luxury & Retail

- LVMH (global luxury market leader)

- Itochu (Diversified Japanese trading house)

Purchase Plan & Trading Centers Holding Portfolio
1. trading center & currency overview

To minimize spreads, these stocks should be traded on their home exchanges (or in the corresponding currency).
135,000 € in dollars for 15 stocks necessary. 45,000 € for 5 additional stocks
IMMEDIATE BUY (Cheap/Fairly Valued - Full €9,000 per stock)

- Alphabet (Google): Moderate P/E ratio compared to big tech peers.

- Berkshire Hathaway: Close to intrinsic value, perfect holding anchor.

- LVMH: Historically attractive entry point after sector correction.

- Applied Materials (AMAT): More favorably valued than chip designer.

- PepsiCo: Defensive discount to growth tech.

- Munich Re: Fairly valued global market leader.

- Itochu: Favorable P/E ratio despite Japan upswing.

- Gold (iShares Physical Gold): €36,000 one-off investment.

TRANCH BUY (high valuation - start with €4,500)

- Tranche 1 now, tranche 2 in 3 months, tranche 3 in 6 months.

- Microsoft, Amazon, Meta, Visa, Mastercard, S&P Global, ASML, ServiceNow, MercadoLibre, Waste Management, Linde, Air Liquide, Procter & Gamble.
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2. strategy of the 3 tranches (total € 180,000)

- Tranche 1 (immediate): € 4,500 per share or immediate entry for special stocks (total: € 90,000) + gold (€ 36,000).

- Tranche 2 (In 3 months): €2,250 per share (total: €45,000).

- Tranche 3 (In 6 months): € 2,250 per share (total: € 45,000).

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3. checklist for the purchase

- Currency: USD sub-account with broker covered?

- Limit: Generally only buy with limit orders (not "market").

- Time: Only buy US stocks from 15:30 when Wall Street opens.

- Gold: Implement iShares Physical Gold as a one-off investment (€36,000).

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Note on cluster risk: Your US share, including ACWI, is approx. 60%. Due to the global dominance of these groups, this is absolutely justifiable for a quality portfolio.

The concept with the individual stocks will bring me a tax advantage of €100,000 - €200,000 in 10 years, depending on performance.

Have a nice weekend and thanks again 😉

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Finanz_Fuchs@Finanz_Fuchs

@wealth_navigator_2081 Interesting and good distribution per sector! How do you justify the tax advantage? From a purely tax perspective, aren't individual stocks worse off than an ETF (30% partial exemption)?

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