100k milestone presentation and future

Hello dear community,

I have been a silent reader on getquin since the end of 2022 and thank you all for the interesting and helpful contributions. I especially enjoy reading and following your life journeys and portfolios.

I reached €100k in May 2026 and would like to take this opportunity to introduce myself and my portfolio and ask for your advice on the next steps.

First about me: I will be 24 years old in a few months and have been investing since October 2022. I started my dual studies in the banking sector in August 2022 and have been working full-time in risk controlling since August 2025. I already invested around 80% of my salary during my studies and was able to maintain this savings rate. I built up the portfolio exclusively through my high savings rate. Of course, I was only able to maintain this because I live with my parents and have almost no expenses. Although I would like to move out soon in order to further my personal development, I am currently still using the situation very successfully to make compound interest work early on.

My portfolio has always been extremely simple. For a long time, I saved exclusively in the $VWRL (-0,06%) and in recent months have used the fall in the share price to build up a position. $BTC (-0,7%) build up a position. However, I no longer hold this position. I want to build up assets with the ETF and I see the Bitcoin position as a high-risk bet and a "hedge" against Bitcoin becoming significantly more relevant.

Now to the future: It is clear that I will continue to put my savings rate into a global ETF. My original plan was to save in the FTSE All-World in the distributing variant until I have exhausted the saver's allowance. I will consistently reinvest the dividends. I should exhaust the FSA for the first time this year, so I would now switch to an accumulating ETF. I'm thinking of an ACWI IMI.

What do you think? What would you do if you were me? And to those who only save in one ETF: How often do you switch your ETF (regarding FiFo, exit taxation, etc.)?

Thank you for your input, have a nice weekend and good luck with your investing.

Stefan@Da_Fischi

Looks great, keep up the good work!
I have the $SPYI ACWI IMI and after about 10 years I plan to switch to the $FWRG FTSE All-World (or a cheaper version in the future).

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Fabi@fabsch

Strong! Congratulations and keep up the good work. I personally don't follow strategies with several ETFs on the same index or with the same interpretation. Keep it simple - a single ETF is enough, at least in the core part of the portfolio.

The key question is: What are your plans for the future? If you already know that you will leave the country at some point, such an allocation can make perfect sense. However, there is also the question of how long it will take you to break the 500k mark in this ETF position (I mean, that was the amount above which it becomes relevant for tax or provider purposes).

As far as the accumulating variant is concerned: as you say, either the $SPYI or the alternative from $VWCE.

Pascal@pascals

@fabsch Thank you for the detailed answer!
I'm right there with you, keep it simple. I have no plans to leave the country. The only reason for switching to an accumulating world ETF would be the minimal tax advantages that accumulating ETFs probably still have.
While my distributions are or were still covered by the FSA, it was effectively no difference as I was reinvesting the dividend.
Thanks for the suggestions!

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user76a909fd734442d1@user76a909fd734442d1

Awesome portfolio. 👍

Jigglypuff@Jigglypuff

Vorbildlich 👏🏻

100k milestone, presentation and future