10Mon·

Investing as a student

Hello Community,

I'm writing my first post as an otherwise silent reader, a kind of portfolio check/feedback on the occasion of my first 5000€ in the portfolio, which is already a relatively large sum for me, even if others have this as a savings plan installment.

First of all, about me. I'm 20 years old and have been a student for a year. I work part-time and still live at home.

So my fixed costs are rather low.

About the portfolio

My investment strategy is basically buy & hold from the $VWRL (-1.12%) (Dist) (currently a €50 savings plan for the TR card benefits, mostly individual purchases), although I also risk a little money from time to time for a quick profit. So far with $BTC (+0.11%) +20% and $NVDA (-1.03%) (currently +26%, not realized) quite well. There was also a small mistake, $GME (-0.1%) I sold too early, but was able to sleep peacefully.

Short-term goals

I need to build up my nest egg of €1000 again. I went on vacation with friends for a month, which cost €3,000, so the nest egg was used up. You shouldn't, but it was worth it to me.

I also don't yet know how to deal with my $NVDA (-1.03%) position and the $CSPX (-0.8%) should deal with. Take a profit on NVIDIA? Switch the S&P500 into the All-World?

Long-term goals

Expand dividends/ performance. Is a high dividend ETF worthwhile? Often seen as a yield killer. I am quite comfortable with a 1 ETF portfolio.

Other positions

$O (-0.08%) I have in the portfolio for the monthly dividend, currently €2 per month. With 1€ order fees, two orders per month are therefore "free of charge".

$MSFT (-0.39%) Was given to me as a gift by TR as my first share. Remains in the portfolio due to its emotional value and belief in the company.

$NVDA (-1.03%) Bought during the crash, punter position.

+-600€ income per month

+-120€ spending per month

Fall 2025 will buy a PS5 (PS5 Pro when released, expect 700€) for GTA6, otherwise no big planned expenses. After restoring the nest egg, monthly savings will be made on this.

Questions and suggestions very welcome!

5 Comments

10Mon

It's great that you're already doing something during your studies! What are you studying? :)

I'm not one to say categorically (but you'll read that here) that small equity positions don't make sense, just buy an ETF, but with your allocation it's not quite clear to me why Allianz, for example, is bobbing around.
Put a savings plan on it if you can and save your shares: then good. Otherwise, think about whether you should shift them into an ETF.

Topic high dividend. In my opinion, that makes no sense. We're still too young for that ;) On the other hand, the VanEck has recently been able to compete with the msci world and it tends to perform in the opposite direction to the MSCI world. So it's not entirely unattractive.
If you really want to add something from the dividend area, perhaps $GGRP or $FGEQ, both in the distributing version (I don't know exactly which one I have quoted here), might be something. They combine growth with dividends (growth)

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Ben@ben_n

10Mon

@Mayra97 Thank you for your answer! I am studying law/legal sciences in my second semester, so I still have some time ahead of me. Yes, small positions like Allianz have to be taken out of the portfolio.
Thanks for the ETF suggestions, I'll have a look at them!

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Mayra@Mayra97

10Mon

@ben_n Welcome to the Lawyers' Club 😉

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MC@Tokugawa

10Mon

@Mayra97 Why not dividend stocks? I have a completely different opinion. From an overall return perspective, I agree with you, although there are also studies that show that distributors perform well compared to the market. But as a motivation, current cash inflows provide a push to stay invested that should not be underestimated.

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Ben@ben_n

10Mon

@Tokugawa To be honest, I have to say that I have little interest in individual dividend stocks. A lot of micromanaging, sector coverage/diversification, fundamental analysis, watching watch lists, all things I don't want to do, only to be unable to beat the market afterwards (like many). I prefer dividend-paying ETFs, both because (as it seems to me) in most portfolios you see the stocks that have the largest share in the respective funds anyway.

I prefer the security, after all, the portfolio should be able to pay for my third tooth when I retire. (or a Porsche at 30)

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