3D·

Portfolio structure

puth1990 · 2025-01-11T23:53:36.232356Z

Hallo Community, ich bin dabei, mein Portfolio zu überarbeiten, und würde gerne eure Meinungen und Ratschläge einholen. Hier ist meine aktuelle Überlegung: Portfolio-Allokation: Aktien (75 %): 80 % ETFs (Core-Investments): MSCI World NASDAQ 100 DAX 20% Einzelaktien: Alphabet $GOOGL Apple $AAPL Allianz $ALV Ahold Delhaize $AD Coca-Cola $KO LVMH $MC Anleihen (15 %) Gold (5 %) Bitcoin (3 %) Cash (2 %) Hintergrund Investmentziel: Ich bin 35 Jahre alt und strebe finanzielle Freiheit im Alter von 50 bis 55 Jahren an, mit einem Ziel von 2000 € netto monatlich im Ruhestand. Strategie: Eine ausgewogene Portfolioaufstellung, die sowohl wachstumsstarke Unternehmen als auch stabile Dividendenwerte enthält, ergänzt durch Diversifikationen in ETFs, Anleihen, Gold und Bitcoin. Überlegungen zur Anpassung: Um mein Portfolio robuster aufzustellen, plane ich folgende Änderungen: Kauf: ASML $ASML : Führend im Halbleitersektor mit langfristig großem Wachstumspotenzial durch Trends wie KI und Elektromobilität. Johnson & Johnson (J&J) $JNJ : Stabiler Dividendenwert (~2,5 %), ideal als defensiver Anker im Gesundheitssektor. Verkauf: Ahold Delhaize $AD : Zwar gutes Dividendenwachstum, aber begrenzte Wachstumsaussichten. Unilever $ULVR : Defensiver Charakter, aber geringeres Zukunftspotenzial im Vergleich zu J&J. Zalando $ZAL : Zyklischer Konsumwert mit erhöhter Volatilität und fragwürdigem Wachstumspfad. Coca-Cola $KO : Gute Dividende, aber eingeschränkte Wachstumschancen – könnte durch innovativere Werte wie ASML ersetzt werden. Fragen an euch: 1. Wie bewertet ihr meine neue Core-Allokation (MSCI World, NASDAQ 100, DAX)? Sollte ich etwas ergänzen? 2. Haltet ihr die Aufnahme von ASML und Johnson & Johnson für sinnvoll? 3. Wie steht ihr zu den Verkaufskandidaten (Ahold Delhaize, Unilever, Zalando, Coca-Cola)? Würdet ihr etwas anders machen? 4. Habt ihr weitere Ideen oder Empfehlungen, wie ich mein Portfolio diversifizierter und robuster aufstellen kann? Vielen Dank für eure Unterstützung und eure Einschätzungen!

Hello Community,

I'm in the process of revising my portfolio and would like to get your opinions and advice. Here is my current thinking:

Portfolio allocation:

Equities (75%):

80 % ETFs (core investments):

MSCI World

NASDAQ 100

DAX

20% individual stocks:

Alphabet $GOOGL (+0.4%)

Apple $AAPL (+0.33%)

Alliance $ALV (+1.03%)

Ahold Delhaize $AD (+0.98%)

Coca-Cola $KO (+0.07%)

LVMH $MC (-0.61%)

Bonds (15 %)

Gold (5 %)

Bitcoin (3 %)

Cash (2 %)

Background

Investment objective:

I am 35 years old and aim for financial freedom at the age of 50 to 55, with a target of €2000 net per month in retirement.

Strategy:

A balanced portfolio construction that includes both high-growth companies and stable dividend stocks, supplemented by diversifications in ETFs, bonds, gold and Bitcoin.

Adjustment considerations:

To make my portfolio more robust, I plan to make the following changes:

Buy:

ASML $ASML (-0.64%) Leader in the semiconductor sector with great long-term growth potential due to trends such as AI and electromobility.

Johnson & Johnson (J&J) $JNJ (+0.06%) : Stable dividend stock (~2.5%), ideal as a defensive anchor in the healthcare sector.

Sell:

Ahold Delhaize $AD (+0.98%) : Good dividend growth, but limited growth prospects.

Unilever $ULVR (-0.17%) : Defensive character, but lower future potential compared to J&J.

Zalando $ZAL (-0.19%) Cyclical consumer stock with increased volatility and questionable growth path.

Coca-Cola $KO (+0.07%) : Good dividend, but limited growth opportunities - could be replaced by more innovative stocks such as ASML.

Questions for you:

1. how do you rate my new core allocation (MSCI World, NASDAQ 100, DAX)? Should I add anything?

2. do you think the inclusion of ASML and Johnson & Johnson makes sense?

3. what do you think of the sell candidates (Ahold Delhaize, Unilever, Zalando, Coca-Cola)? Would you do anything differently?

4. do you have any other ideas or recommendations on how I can make my portfolio more diversified and robust?

Thank you very much for your support and your opinions!

11 Comments

Hi, I would take the Dax out. I only invested about 9k in ASML about 1-2 months ago, so I'm now holding 11k. I am also considering selling Unilever.

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puth1990@Puth1990

@Korni193773 Why do you want to sell Unilever? Do you have specific reasons?

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Smudo@Smudeo

@Korni193773 $ASML will soon be out of my portfolio. I've been going sideways for months and have now had zero returns for over 2 years with the mechanical engineering company

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Silas@Bein-Godik

@Korni193773 In any case, the DAX has made a much better start to the new year than the S&P500

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Korni@Korni193773

Great since 10 days, have a look at the long-term return DAX vs S&P500😂

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Korni@Korni193773

@Smudeo Patience Patience since Corona the tops have been running, think long-term.

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Korni@Korni193773

@Puth1990 defensive value, but I may continue to hold them.

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Smudo@Smudeo

@Korni193773 I had the patience in 22,23,24 now again in 2025. they would now have to rise 40% so that I have my 10 p.a.

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Korni@Korni193773

@Smudeo
I made 5 percent directly when I got in at 690😀 My initial position is still up 62 percent. Of course, they crashed well, so I reinvested. Or reallocated money from crypto profits.

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Alexander F.@Alex_DSZL95

1) I would personally take out the DAX and, depending on the weighting of shares, perhaps switch to a DIVIDEND ETF from Europe. Personally, I would rather add emerging markets instead of the DAX.

2) Yes! Top stocks with a long-term perspective.

3) I would definitely hold Coca-Cola. I would also leave Unilever in - the other two can go.

4) As already mentioned in 1), I would add EM or Divi Europe. Personally, I would also position myself better in cryptos with regard to the next cycle 2028/2029

Hope my feedback helps you with your questions. 🙏

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Kevin@pyrler

Not world and regions, rather s&p500 + em + europe (you're about the same again...) dax no way 😉 maybe another high dividend etf if you want income...
I would hold unilever...

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