(@profit_pilot_274) on getquin

1Mon·

Hello everyone,

I recently started my first job (3 months ago) and have been thinking about a savings/investment strategy. Could you please comment on it (also constructively negative) so that I can learn from your shared experience?

I specifically tried to make the strategy a bit more risky/risky as I think I should do that as a young person to get slightly better returns.

Specifically:

Is there anything else I should add/change?

21 Comments

Dividendenopi@Dividendenopi

1Mon

I'm a fan of dividends and of course $BATS, but they don't really fit in with the rest.

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Julian@MoneyISnotREAL

1Mon

$LYPG & $BATS I would cancel. Split the money between the others.

At $UST... one reason why synthetic & place of issue "Luxembourg"?
I would rather prefer physical & Ireland.

The rest looks solid.

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GAE@TheRealGAE

1Mon

I think you cover enough with the MSCI and the NASDAQ and should focus on those.

Instead of the other thematic ETFs, targeted investing in equities would be better. Most thematic ETFs are only good when there is a hype. After that they just flop ☺️

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Kai@Dividenden-Sammler

1Mon

I would leave out the sector ETF and save the extra €200 in the MSCI World instead. Reason: you already have tech in the MSCI and also the Nasdaq100 (but I prefer a physical one) - so you don't really need the tech sector ETF any more. Quite apart from that, I don't really think much of sector ETFs.

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PhiKi@PhiKi

1Mon

Have you really looked into the companies? In principle, you can do it as planned. Personally, I have a savings plan on various ETFs. At the same time, money is sent to my account every month. Depending on the price etc., I then buy individually. Perhaps that would also be an option for you? ETFs as a basic building block give you a little more security and are certainly not bad, especially at the beginning. (As long as you make less than 1000€ profit per year, take distributing variants of ETFs).

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Paul@Pzjs

1Mon

First job with a savings rate of 1,400, respect.
$BATS I would find your consideration really exciting, especially the weighting in the portfolio.

Otherwise, everything has been said anyway.

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Dominik@Dominik_Finanzen

1Mon

I completely agree with the others. In particular, I would take out $QDV5. I would prefer an emerging markets ETF as an admixture and I would not weight $BATS so highly.

I also need to make some adjustments at the moment, as until recently I tended to buy individual shares and only have a small ETF allocation. I now want to gradually change this by investing significantly more, especially in $IWDA.

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