Shrimpman (@Shrimpman) on getquin

6Mon·

Portfolio Feedback

I will be 19 in the summer, so I have a longer investment horizon.

The plan is to sell about 1/3 of the $MSFT (+1.59%) shares at a good price and then switch to the other position or an ETF. Would you be more $8001 (+0.02%) or $ACN (+1.48%) top up? Or would you rather not top up and build up an Etf basis or possibly $BRK.B (+0.21%) expand it? I am also considering the alternative $MURGY or $ALV (-2%) to buy defensive stocks. What is your opinion? What would you most likely choose or would you do something completely different?

My savings rate is irregular at the moment and could possibly even be dropped, as I might invest new money more in my company. However, I'm aiming for around 300 euros.

8Positions

€16,889.62

4.05%

9 Comments

Kai@Dividenden-Sammler

6Mon

I would not sell $MSFT and would rather part with $HLI, $MOWI and $EDR. Or what is your thesis that you have invested in the 3?
You can then use the capital to invest - but if MunichRe then please do not invest in the ADR but directly in the German share.
I would probably put the freed-up capital (should be around €1.7k) into a $ALV from the selection you are offering. But I would make sure that I get it in the event of a setback. The supposedly weaker stock market months are now coming over the summer (at least if you look at the past) - or Allianz is trading ex-dividend these days.
Or better invest the whole thing in an ETF for better diversification.

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Chris@1Chrischi1

6Mon

i wouldn't sell anything from $MSFT. at most if you are up 60/70% or more you can take out ~30%. it's a share for life.
just my opinion but i think many will agree with me...

it's better to buy when prices are falling :)

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Chris@1Chrischi1

6Mon

i think the rest of your positions are all well chosen. i would advise you to simply save an etf in addition - eventually weight it higher than individual stocks 60/40 or even 70/30. that means: put cash into it first as much as you can at your young age :)

otherwise top portfolio! in my opinion

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Moep@Moep

6Mon

Define a strategy and then follow it. I can't see one at the moment, or your description doesn't suggest one.
Why did you buy Microsoft or why do you want to sell 1/3 now?

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Cyberpunk@RSCologne

6Mon

Definitely don't start with individual stocks when capital is scarce unless at least 50% can be strongly diversified in ETFs. Individual stocks only with long-term expendable capital or even "play money". But I also have $ALV for the long term and dividends, and since I also have classic retirement provision products, I already believe in them...
In any case, the dividend yields in recent years are better than the yields of your own classic pension products, even with an investment background, so at some point I no longer felt like putting capital into their products for at least 12 years, but simply acquired shares in the company in stages.
In the form of company pension schemes, however, such products make perfect sense because they are tax and social security free, including employer contributions, which are now even prescribed by law (saving the employer's share of social security...).

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