2Yr·

Hello Quins,

I finally dare to ask for feedback on my portfolio.

I am a 28 yr old (still) computer science student who went all in in bitcoin/etherum in 2016/2017. I luckily took profits in early 2022 and have been diversifying into dividend ETFs ever since, with the goal of eventually being able to live off the income alone.

The goal is to be on 90% ETFs 10% BTC/ETH sometime in 2025/2026.

Keep the tips coming!

#portfoliofeedback
#eth
#btc
#dividend
#etfs

Here is my portfolio:

https://getqu.in/HzeMbK/mfB9lk/

Check out my Dashboard now!

app.getquin.comInvestor Portfolio auf getquin

30 Comments

Fabzy ✨@Fabzy

2Yr

In basketball there is the saying "He who scores is right", no matter from what hopeless position, with how much time on the clock or how many opponents in front of you. With the portfolio size and the yield, everything is done right, right? Also, that now dividend ETFs ensure to preserve the capital and to have something of it today, is more than sensible 👍

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Schweizer_Investor@Alumdria

2Yr

Well, first of all, it's really cool that you invested in Ethereum and Bitcoin at the right time. But now you have a huge cluster risk, and I would sell at least a part and shift into stocks. Then you are diversified and get enough dividends. Now it's just book money, so you can always lose a lot again😅

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Schweizer_Investor@Alumdria

2Yr

Oh yes, as an ETF I would take an all-world. And otherwise, as I just said, broadly diversified in shares from various sectors such as automotive, pharmaceuticals, chemicals, consumer goods, luxury, technology, ect😁

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Hobby Man@NurEinHobby

2Yr

@Dagobert_Duck Thank you, you are 100% right! I am honestly surprised how well Bitcoin (not altcoins) has performed in a 4-5% interest rate environment and continue to bet on Bitcoin Halvening 2024 as a catalyst for another bull market in 2025/2026. That is why I will not dump the positions including cluster risk "yet".

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TreasureHunter@TreasureHunter

2Yr

Nice deposit size at that age and as a student :D Otherwise, it is questionable whether you really want to save dividend ETF, especially the $VHYL, with the age. There is a contribution here. I'll post the same as an addendum purely https://app.getquin.com/activity/rROZDjNjkK Have fun reading!

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Fabzy ✨@Fabzy

2Yr

@TreasureHunter but the capital increase is no longer in the foreground for him, but rather to have something from the portfolio today. He will have enough confidence that the cryptos will also provide the extra boost for the next few years. What jucken there the 3% difference between dividend ETF or not :D

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TreasureHunter@TreasureHunter

2Yr

@Fabzy Where does it say that he is no longer interested in a capital increase? He has also written that he wants to be 90% invested in ETFs in the future and why then forego returns and thus more distributions with, for example, the $VWRL? Especially because he probably also has a long investment period.

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Hobby Man@NurEinHobby

2Yr

@TreasureHunter Thank you! I'll read up on it.

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Golden Boy@randomdude

2Yr

@NurEinHobby I also get the impression that you haven't looked into dividend stocks that much. In any case, I don't think focusing specifically on these three ETFs is the best choice. Have you seen Ben Felix's videos? Just search YouTube for "ben felix dividend investing." You don't have to share his very limited preference for factor investing, but I think his videos are an excellent source of information on investing in ETFs.

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Hobby Man@NurEinHobby

2Yr

@randomdude Yes, admittedly my strengths lie elsewhere. What ETFs would you buy in your estimation for this? Less USA?

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Golden Boy@randomdude

2Yr

@NurEinHobby That depends on your investment goals. Like others here, I've assumed that at your age you're not primarily concerned with wealth preservation or consumption. Do you still have a savings plan going? And what was the reason you went 100% into dividend ETFs?

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Hobby Man@NurEinHobby

2Yr

@randomdude Dividends in general, because I have been waiting for years to finally generate cash flow. Specifically, dividend ETFs to support my parents with "guaranteed" income. I have to say around 800€ net monthly takes a lot of burden off.

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Epi@Epi

2Yr

Maybe you can think of something more meaningful than feeding yourself, what you can do with the money? Most people here have what you have in the depot as a goal of their working life. They know why they save. That is denied to you. Your money, your job. Otherwise, keep a globally diversified multi-asset portfolio. Dividends you can also pay yourself by selling.

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Deleted User

2Yr

Comment was deleted

Epi@Epi

2Yr

@Buy_and_Hold_Guni But at 25, there are more meaningful things to do than being retired!

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Hobby Man@NurEinHobby

2Yr

@Epi I think he means "retire in 25+ years" In no way do you retire at U30.

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View one more answer

user03@user03

2Yr

Awesome, respect for your courage and that it was rewarded 💪🏻 I would also definitely put the majority, maybe 80 percent in an etf or in etfs and maybe build satellites with the rest

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Gamla S.@gamlasvensk

2Yr

That's it, Rendite is always right 😅

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Bass-T@BASS-T

2Yr

That is such an outrageous luck - but I begrudge it to you from the bottom of my heart. With the lineup, I would now consider a firm strategy if necessary. No investment advice.

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Hobby Man@NurEinHobby

2Yr

@BASS-T I've been chewing over the topic of luck/skill/long-term thinking with a buddy. A few points on this: 1. Many*** would have settled for a 50-100% gain and dumped Bitcoin/ETH. You have to acquire knowledge to stick with it. 2. During the 2018/2019 bear market, I bought in with relatively cheap credit because I believed so strongly. The rest is history.

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Hobby Man@NurEinHobby

2Yr

@BASS-T 3) One should not underestimate the need to live with volatility. It already influenced my mood at the beginning of the day. Likewise, to see only red numbers for a year in 2018 and 2022, for example. That does something to you. The bottom line is that these are all minor/luxury issues and I don't want to seem snooty at all. Just to show that "hodling" through thick and thin for 6+ years while maintaining a low time preference is *not* a given.

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NiMe@NiMe

2Yr

@NurEinHobby How much gray hair did you get?

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Hobby Man@NurEinHobby

2Yr

@NiMe I look like the oldest 28-year-old in the world.

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Dividenden-Penner@Dividenden-Penner

2Yr

Old Swede! 🫡 With clever reallocation to dividend stocks (whether ETF or individual shares) you have the license to be a permanent student.🍻🍾🏖 And no one has ever become poor from profit taking...

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Hobby Man@NurEinHobby

2Yr

@Dividenden-Penner That's right. The feeling is really nice: to be able to, but not to have to. I let the portfolio run with small changes for 2-3 years and see what becomes of BTC & ETH. Then, if necessary, larger sums will be shifted again.

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DerDanner@Therapeut

2Yr

Chilliges Hobby

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Golden Boy@randomdude

2Yr

And are you adding regularly, saving more irregularly, or not saving at all?

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Hobby Man@NurEinHobby

2Yr

@randomdude Not at all. Don't have an ETF savings plan at all.

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Golden Boy@randomdude

2Yr

@NurEinHobby Ah, then you could look at taking a) better, but still dividend oriented ETFs ($FGEQ or $GGRP ) or b) an all world ETF of which you regularly sell shares at the level you want, currently foregoing yield because of the focus on high dividends and "mature" industries

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MikeSc@MikeSc

2Yr

I would recommend dividend stocks. Also directly in indices. If you are interested, we offer tips and news. Let's hear from you LG S&P

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