BurhanAbi (@BurhanAbi) on getquin

Hello getquin community!

I recently came across this platform and signed up straight away to track my portfolio more clearly. For the most part, entering my transactions worked well, but I had to enter some positions manually, especially my gold savings plans (I use the average price to simplify this). Before I share my portfolio with you and look forward to your opinions and suggestions for improvement, I'd like to briefly introduce myself:

My name is Burhan, I'm 29 years old and I come from a town in North Rhine-Westphalia. I work in the insurance industry and am completing two part-time degree courses at the same time (because free time is overrated 😉):

Business economist for financial services (until January 2025)
Business administration with three specializations (until April/May 2025).

My way into the world of (small) investors:

I started investing - or rather, trading and chart analysis - when I was 18. Back then, I invested small amounts in leveraged products such as the DAX or WTI oil. Although I made more profits than losses during this time, I learned an important lesson: it is crucial to regularly check take-profit and stop-loss levels in order to avoid capital losses.

However, I only started investing for the long term in 2019. My first step was a savings plan with EUR 25 per month in a fund from Deka ($D6RM (+0.31%) ) - the first dividend I received was a small sense of achievement for me. Later came savings plans for individual shares ($LHA (-0.99%) and $SHA) and commodities ($965515 (+0.4%)) were added. I also used my employer's capital-forming benefits (EUR 40 per month) to further expand my investment in the Deka fund.

My current investment strategy:

Over the last few years, I have tried out and learned a lot and finally developed my personal strategy:

1. basic ETFs:

With the $VHYL (+0.95%) and the $FUSD (+0.37%) I would like to create a stable foundation.

2.
Individual shares:

Here I deliberately focus on non-US companies (with a few exceptions) in order to diversify my portfolio and reduce the US dominance somewhat.

My selection criteria for individual stocks:

At least 30 % share price growth in the last 5 years.
At least 10 years dividend history.
Dividend yield of either:

- approx. 1 %combined with an average dividend increase of 10 % over the last 5 or 10 years, or

- approx. 2,5 %combined with an average dividend increase of 5 % over the last 5 and 10 years respectively.

For example: $MS (+0.79%) / $GGG (+0.36%) / $CS (+0.24%) / $ASML (-0.52%) / $MUV2 (+1.17%) / $CNQ (+0%) / $MC (-0.73%) / $TKA (-0.13%) / $DHL (+3%)

3. Gold:

My gold savings plan is still running because diversification is important - and a little sparkle in the portfolio never hurts.

4. Cryptocurrencies:

The proportion is deliberately low and I plan to concentrate only on $BTC (+0.13%) in the future. Everything else will probably be dropped soon.

5. Cash:

Part of my capital is in a call money account so that I can react flexibly to opportunities or unexpected events - who knows when the next dip will come.

The aim of the asset class allocation:

- 37.50 % ETFs

- 37.50 % individual shares

- 10.00 % commodities

- 5.00 % cryptocurrencies

- 10.00 % Cash

In addition, a good deal is currently underway to buy real estate (purpose: rental) - I am still curious.

I hope my first post wasn't too long and that you've made it this far! 😉 I look forward to your feedback, opinions and tips - keep them coming!

Julian@MoneyISnotREAL

What were your reasons for taking the $VHYL over the $VWRL, for example?
see: https://getqu.in/uJXyEn/

I would switch directly to the Deka fund. Costs far too much.
You can also invest your capital-forming benefits in ETFs via brokers (e.g. OskarVL, Finvesto, Ginmon, ...).

If you want to reduce your US share through individual shares, why do you have the $FUSD instead of the globally investing counterpart?

With $CS you have the "problem" with the French withholding tax.

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BurhanAbi@BurhanAbi

Thank you for your feedback! I already sold part of the Deka fund at the time and invested in other positions. It was a big mistake at the time because I wasn't aware of the very high fees (issue price and management costs) at the time. That's why the fund hasn't been invested for years, but the remainder has been blocked for 7 years due to the capital-forming benefits - I'll have to be patient.

$FUSD I deliberately chose $VHYL as my second ETF with a lower weighting. I also want to be invested in quality US companies (e.g. Nvidia, Apple, Microsoft etc.), but not as individual stocks. I have the $VHYL to be invested worldwide (also in Japan, England, China, Taiwan etc.). With the combination and weighting, I ensure that there is a sufficiently good basis and that my US weighting is around 60% and the rest of the countries around 40%. I will continue to reduce the USA weighting in future through targeted (additional) purchases.

In my case, $VWRL was out of the question because there were many overlaps in the Top10 with $FUSD (e.g. Nvidia, Apple, Microsoft, Broadcom) and the USA share was higher again, which in turn would mean that I would have to buy even more individual shares or a separate ETF for Europe. So restructure again, although the latter has to happen anyway.

PS: Unfortunately, the regulation regarding withholding tax is different in every country and must be reclaimed by applying to the destination country. The effort would probably only be worthwhile for large amounts.

Presentation: My experience, strategy and portfolio allocation