Moin,
I would like to share my portfolio with you. Maybe you have one or two ideas on how I can optimize the whole thing.
Let me start with myself:
I am 28 years old, an engineer and earn around €3500 net per month. I also receive one-off payments such as an annual bonus, vacation pay, Christmas bonus, etc.
I save €1000 a month + one-off payments & dividends, so I end up with around €20k a year.
About my securities account:
I started saving about 5 years ago and was very naive at first. My mistakes are evidenced, for example, by my $GAZP Gazprom position, which I unfortunately did not sell in time. Unfortunately, I can no longer sell it for well-known reasons, which is why it is still displayed here as a memorial and distorts my return a little...
Basically, I let myself be guided too much by supposed "experts" and my feelings. I no longer want to make these mistakes.
My strategy:
My goal is to build up as much wealth as possible over a longer period of time (at least 25 years). In future, my strategy should be to hold 65% in broadly diversified ETFs, 20% in individual shares, 10% in BASF and 5% in crypto.
$BAS (+0.1%) has a relatively high weighting. The background to this is that as an employee here I benefit from the employee program and can achieve a good return through incentive shares, even if the share price remains rather weak.
With regard to individual shares, I would only like to invest in "quality stocks" in future, such as $V (+0.3%) (VISA), which have a good risk/return ratio and have performed well in the long term in the past. I want to reduce gambles to a minimum (1% of the portfolio value), as greed is not known to be a good driver for good decisions. Dividend stocks will no longer be a focus, as I want to build up assets and don't need any additional funds on top of my salary. I can always adjust this for retirement as soon as a monthly cash flow is required ;)
Perhaps you have one or two constructive comments on my portfolio and my strategy in particular.
