~ (@Michael-official) on getquin

++ Depot & savings plan update - current strategy 🎯++

Hello Community,

today I would like to give you another update on my portfolio and active savings plans.

As already mentioned, I have my securities account with ING-DiBa.

There is a commission for savings plans on shares of 1,75 % on the amount, while savings plans for ETFs are free of charge.

I also use the call money account there, unfortunately with only 1,25 % interest.

I have recently added very few new positions to my portfolio, as I am extremely satisfied with my current portfolio selection and tend to still have two would like to take out two more stocks.

I currently have $ADM (+1.28%) and $DHL (+0.13%) in my sights.

I don't like the performance and the outlook, and I would like to invest the money in expanding the position. $NVDA (+2.01%) position.

When I add a share to my savings plan, I always do so with a certain basic amount. basic amount.

It is important to me that the share price is relatively low and that I can take advantage of a favorable dip to enter the market.

My basic sum is € 2,000-2,500 before I set up a savings plan.

Dividends received are always reinvested immediately via a savings plan.

REITs like $O (+1.22%) and $STAG (+1.53%) cannot be saved monthly at ING-DiBa, so the dividends are invested directly in the ETF.

The following positions are currently in my portfolio via a savings plan:

225 € ~ FTSE All World ($VWCE (+0.17%))
100 € ~ Tesla ($TSLA) (-4.58%)
50 € ~ Merck & Co. ($MRK (-1.77%))
50 € ~ Microsoft ($MSFT (-1.05%))
50 € ~ Alphabet ($GOOGL (+0.94%))
50 € ~ Bitcoin ($BTC) (-1.79%)
25 € ~ Walmart ($WMT (-2.1%))
25 € ~ Palantir ($PLTR (+6.35%))
25 € ~ Allianz ($ALV (-0.66%))
25 € ~ Walt Disney ($DIS (-0.24%))
25 € ~ Apple ($AAPL (+1.34%) )
25 € ~ Intel ($INTC (+1.8%) )
25 € ~ Coca Cola ($KO (-0.4%))
25 € ~ Mc Donalds ($MCD (-0.31%) )
25 € ~ SAP ($SAP (-0.03%))

🔖 The following changes have occurred since the last post:

At that time I had a monthly savings amount of € 550, in the meantime I have increased the amount for the ETF and $NOVO B (-17.74%) and $BTC (-1.79%) into my portfolio.

I now have a total of 750 € savings sum.

In addition, I always make individual purchases (also to be found in the profile)when opportunities arise to build on existing positions.

To do this, I build up a small cash position in my clearing account every month, which earns interest at 1.25%.

The nest egg in the same amount as my savings plans is transferred directly to the call money account at the beginning of the month by standing order.

I definitely want to diversify my portfolio further in the future.

To this end, I plan to invest more in the aerospace, defense, consumer goods and semiconductor sectors and to add another gold and commodity producer.

I will also be geographic diversification and specifically look for opportunities in emerging markets.

My $EWG2 (-0.3%) -position will of course be further strengthened.

Overall, I am very satisfied with my strategy satisfiedas my approach has been paying off for several years now.

Back then, I started with expensive savings plans at the savings bank and took the performance of "buy and hold" over the period.

Thank you for your attention and good luck with your investments. 💸

Michael

Tenbagger2024@Tenbagger2024

5Mon

Thank you for the really great update.
I haven't really looked into a savings plan yet.
I usually make an additional purchase or a new purchase when the market is just right or when a stock is losing because of a fly in the ointment.
As was the case with Palo Alto, for example.
That's why it would be interesting to look into the advantages of a savings plan.

I also read that you are looking for a stock in the aerospace sector.
Here it is at the top of my list
$TDG
which has double-digit earnings growth, a net margin of 21% and a high return on sales.
Here I am waiting for a consolidation, which is often difficult with a long-runner.

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Julian@MoneyISnotREAL

Do you then reinvest the dividends with a separate savings plan on the respective share?
So create one, then delete it again?

I also have my custody account with ING and have been satisfied so far. I only have savings plans on three different ETFs. I only buy individual shares sporadically and rarely.
This is because I don't have the time to look at individual stocks in detail in my private life. I buy classics like "McD, Pepsi, P&G,..." from time to time when there are minor price fluctuations. But it's negligible.

My goal is to have more than 70% of the portfolio in ETFs, 30% in individual stocks.

I invest dividends received in the ETF via a savings plan. I usually create a savings plan without further ado, have it executed and then delete it again. Currently, the amount of the plan is set so that the monthly dividends are higher than the savings amount, so it remains in place at the moment.

View all 5 further answers

CoinEsel@DonkeyInvestor

Hmmm, keep it up and you'll earn my follow 😘

Memo0606@Memo0606

I would like to buy more from $ADM

Privatier@c05

Do you pay the euro fee for every EUR 25 execution at Allianz because it is a registered share?

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ETFKing@ETFKing

Thanks for the great post.
One question:
Why do you think $VWCEwill do better than $SPYI or $IWDAover the next few years?

PikaPika0105@PikaPika0105

I think it's cool that you also invest in individual stocks! However, I don't think a few of them are such a good choice... (e.g. $DIS, $TSLA, $INTC )

michael-@michael-

Where does your savings plan for $BTC run? From what amount do you transfer the $BTC to your wallet? I'm also currently considering setting up a savings plan on $BTC.