Wiktor (@Wiktor_06) on getquin

Wiktor

@Wiktor_06

4D·

Portfolio Feedback

Hey everyone, I've started investing since last week when I turned 18.

Before that, I read up on "basic books" and watched YouTube videos from Finanzfluss to inform myself a bit.

I was able to save up 2500€, which I am ready to invest.

My strategy is 70 (ETF)/30 (share), as I want to invest for the long term.

Unfortunately, in my opinion, I have invested far too much in individual shares (as I am a friend of falling shares) and had forgotten the 70/30 rule...

I have now bought a few promising shares to see how they develop.

I currently have a monthly savings plan of 350€/month. And I'm trying to include emerging markets in the ETF.

$$IWDA (+1.17%) - 200€

$EIMI (+1.26%) - 75€

$MC (+2.48%) - 25€

$BATS (-2.08%) - 25€

$GOOGL (+0.99%) - 25€

This year I would still like to manage to get the 70/30. Because I'm a bit annoyed with myself.

I'm also thinking about selling a few shares that will soon no longer be in the red to "clean up" my portfolio, as I unfortunately invested too quickly and thoughtlessly.

Many thanks for your feedback.

9Positions

€2,002.11

0.04%

18 Comments

Dividenden-Penner@Dividenden-Penner

With 9 positions and this volume, you don't have to clean up anything!
Leave it and watch the prices in your portfolio and learn from them. No portfolio in the world only goes up (even if some people claim it here). The important thing is to develop a feel for the stock market and understand that price fluctuations are completely normal and not the end of the world. Collect a few dividends as a motivator and otherwise keep feeding the portfolio. With the savings rate mentioned, you can probably retire at 50 (if you keep it up).
The stock market is a marathon - not a sprint! 🤓

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Soprano@Soprano

I myself am 90% in individual shares and 5% each in funds and ETFs. You don't have to be angry with yourself. If you enjoy individual stocks, then stick with them. In the end, the strategy has to suit you and it doesn't matter what anyone else thinks is right. The 70/30 or core-satellite-whatever strategy doesn't always have to be the best.

What I can tell you in any case is that both of your ETFs are nonsense - choose 1 of them, no matter which one. But you don't need the same thing twice. And if you buy individual shares, maybe start with something more solid first. There are so many simple must-have stocks that nobody should be forced to buy Nio as one of the first 100 stocks.

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Patrick@Pazi3

I had exactly the same thing as you.
Individual shares are fun 😉

But it makes more sense to start with an ETF.
I have now shifted into the S&P500 and feel very comfortable with it.

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Wolfgang@DerWolf1983

Hey, that sounds like a really good start in the world of investing! You've already built a solid foundation through books and videos and you're approaching it with a clear strategy - that's super important. Your split of 70% ETF and 30% equities fits perfectly with a long-term approach, and it's perfectly fine to experiment, especially at the beginning. The important thing is to stick with it, learn from your experiences and keep reviewing your strategy. I'm not a fan of emerging markets at all, which is why I'm not commenting on them. Good luck on your investment journey - you're on the right track! 💪📈

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Dividensenmann@Dividensenmann

Since you asked about taxes in the comments: If you haven't already done so, you should find out about withholding tax on dividends from France as it affects you at $MC.

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Wachstums_Aktionär@schokosahne

Very cool to be investing at such a young age.

I don't like your individual stocks at all, with 2 exceptions. Here, quality companies will always rise in the long term, so in principle you can also invest at the all-time high with your young age and it won't be exciting in many years.

I would focus on 2 etfs, either all world with emerging markets or all world with the nasdaq.
You'll have to see what your fable is, unfortunately I personally don't like etfs at all.

I would go for Microsoft for the tech sector.
Novo nordisk for the health sector.
Visa or mastercard for the financial sector.

For 4 it depends on you, for me basic consumption is absolutely unexciting.
I think cyclical consumption is better and would go for Hermes or lvmh.

In the industrial sector you can be free to choose whether it's an asml or a copart or an amphenol.....

That would be it, because you want to outperform the etf with the individual stocks and you will hardly manage it with basic consumption.
Utilities and energy are not exciting as a private investor.

That would be my advice for you and please always look at the balance sheet for individual shares. The stock market can do what it wants tomorrow and in a year's time.
In 5 to 10 years it will reward it and bring corresponding returns.

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