Hey everyone,

I'm currently 16 years old (soon to be 17), in the first year of my apprenticeship and have been actively saving and investing my money for about 5 months now.

Before that, I only had some money in a savings account at the savings bank - that was my starting capital. I started with 3000 split into 2000 initial purchases and 1000 in an interest-bearing account

Since then, I've been saving €500 every month.

Occasionally, I had to draw on my savings because I needed money at short notice. To make up for this, I'm currently paying in an additional €100 a month. This will continue for another 6-7 months. After that, I'll just save the normal €500 a month.

That's the plan from this point on:

• Invest €450 a month in the portfolio
• Put €50 a month into an interest account to benefit from compound interest and stay liquid.

I am aware that I will not be financially free in 3 years (duration of training). I'm taking a long-term view: my goal is to build up solid assets and create a good financial basis by the age of 30.

I recently took advantage of the big discounts during the market downturn and added to the portfolio - among other things, I picked up Nike about 1-2 weeks ago during the price drop.$NKE (+0.53%)

Another small comment:

I have a very small position in Cardano and Dogecoin, which came from "fun buys" - I had gotten €50 from my grandma for my vocational school certificate, which I put into Cardano$ADA (+4.51%) and some small change ended up in Dogecoin$DOGE (+2.37%) . I will sell these positions as soon as I am in the black.

I really appreciate any feedback, opinions or suggestions for improvement! Thank you all for taking the time!

$DOGE (+2.37%)

Dear friends of Getquin,

I'm usually a silent reader, but if everyone just reads, eventually there's no more reading material, is there? So today I want to share my story with you.

The beginnings:

It's hard for me to say exactly when my journey began, but I do know that I developed a fascination with money as a child. My first "investment" was when I was about 7 or 8 years old, when I bought an ounce of gold with my own pocket money. At that time, no one in my family had anything to do with investments, but I had seen it in my mother's bank when I often accompanied her there. I was fascinated by the shiny coins and wanted to know how I could have a piece myself.

Then, around the turn of the millennium, I saw my father, together with a "great" bank advisor, invest the entire family savings in the middle of the dotcom bubble. The result: a massive loss within a few months. But my mother, who was at home at the time, fought hard and was miraculously able to recoup the losses. I was about 9 or 10 years old at the time and watched her sit in front of the PC every day and look at the figures. From that moment on, I was hooked! I started using an Excel spreadsheet to track which shares I would have bought at what price and watched the performance of my fictitious investments with great interest every day after school.

The first few years:

My mother stopped day trading after about a year and went back to work. However, shares were no longer an issue for me until I was 26.

Getting into real shares:

In 2018, in the summer, as a die-hard Juventus fan, I read about an article on the transfer of CR7 and how Juventus shares went through the roof. I was there again! At that time, however, I only had a small income as a working student. My father, who had failed with his investments in the past, gave me €2,000 - and I bought Juventus shares. However, he made me promise him that I would never invest in shares again. How did the story end? The "trade" with Juventus was a success, but I had to pay taxes for the first time - and I still hate that to this day.

The first losses:

After my Juventus adventure, I began to delve deeper into the matter. I tried out recommendations from "Aktionär" and repeatedly bet on individual shares for smaller trades. It was more of a game, but I generally remained profitable - sometimes a few percent profit, sometimes a few percent loss. Thanks to the profits and additional deposits, I built up my portfolio to €18,000 until I was hit by Wirecard. In the end, I had to accept a loss of around €6,000. It was painful, but not life-threatening - and I learned a lot from this mistake. In particular, I made the mistake of constantly buying more. If I had left it at the original position of € 1,500, the loss would probably not have been so dramatic.

Don't give up:

After the Wirecard debacle, I radically rethought my strategy. I increasingly focused on conservative companies, regular dividend payers and low growth. But here, too, I realized that I was underperforming the market. So I adapted my strategy further and took a long-term approach. I have since been able to slowly recoup my losses.

The clean cut - a new start:

In the summer of 2023, I needed all my assets for a private housing project and decided to make a real "fresh start". I sold all the positions in my portfolio and only kept my ETF savings plans with TradeRepublic.

The new era:

When the housing project was completed, I wanted to build up a new portfolio with the money I had left over - and here you can see the result. My aim is to find companies that are growing strongly and have a solid moat. Dividends are nice, but not a must. My portfolio also contains defensive, boring stocks as a healthy addition. At the same time, I try to further expand my ETF positions through one-off purchases - I stopped my regular ETF savings plans at the end of January 2025. I have also invested a little in crypto and gold on the side. I have made further investments in Lego (€500), Pokémon (€1,000) and Counterstrike cases (€3,000), but these are not part of the public list - that would be too costly for me.

Fun fact:

My cash ratio has never been higher than €3,000 since I first entered the stock market (2018). This is currently an exception because I want to build up a cash reserve for the next generation.

Goal:

I don't have a specific, set goal when it comes to my investments. It's more of a hobby for me. I just enjoy seeing how my portfolio grows and how I can accompany exciting companies and be a small part of them as they develop. For me, it feels a bit like collecting: I enjoy discovering interesting companies, investing in them and watching them develop over the long term.

Thank you:

A big thank you goes to Goldesel Investing and Markus Koch, who have been with me since my first stock market steps. Without you, the share culture in German-speaking countries would certainly not be as strong! And of course a big thank you to Getquin - I've always dreamed of a platform like this! 0% bullshit, 100% investments.

Please let me know if you liked my story!

A small note: My Bitpanda portfolio has a longer history, but I was too lazy to enter everything manually. I also didn't want to take over the history because, as I said, I wanted to start a new chapter in my investment history in November 2023. Overall, however, my crypto track is up €3000-4000.

$CSPX (+0.34%)
$ETH (+0.85%)
$BLK (-0.37%)
$GS (+0.14%)
$XDWD (+0.37%)
$V (+0.66%)
$MC (-1.03%)
$MS (+0.21%)
$QCOM (+0.89%)
$JNJ (+0.57%)
$ASML (+0.24%)
$RBOT (+0.61%)
$LOCK (+1.06%)
$MRK (+0.36%)
$UNP (+0.37%)
$NKE (+0.53%)
$QDV5 (-1.38%)
$MA (-0.1%)
$TGT (+0.52%)
$PEP (+0.91%)
$NU (+1.62%)
$AAPL (+0.64%)
$TSLA (-0.09%)
$DOGE (+2.37%)
$BTC (-0.29%)
$BRK.B (+0.2%)
$PEPE (+1.84%)

The crypto market is currently volatile, with slight downward movements in the leading cryptocurrencies. Bitcoin ($BTC (-0.29%) ) is currently trading at USD 104,880, down 2.26% on the previous day.

Ethereum ($ETH (+0.85%) ) is trading at USD 3,320.90, down a minimal 0.43%.

$BNB (+0.84%) remains almost stable at USD 690.28.

$XRP (+2.66%) and $ADA (+4.51%) also show slight losses, while $DOGE (+2.37%) remains almost unchanged at USD 0.373198.

$SOL (+1.97%) and $AVAX (-2.39%) are down 4.68% and 2.53% respectively. Litecoin ($LTC ) and Polkadot ($DOT (+2.82%) ), on the other hand, show minimal changes.

Despite these short-term fluctuations, the long-term trend remains positive. Experts such as Matt Hougan from Bitwise Asset Management emphasize that fundamental factors such as institutional acceptance and technological innovations are supporting the multi-year bull market.

One should keep an eye on the volatility of the market and adjust investment decisions accordingly.

The Dogecoin logo $DOGE (+2.37%) can be seen on the official website of the "Department of Government Efficiency" - Elon Musk's agency.

You can't make it up😭😂😂😂😂

https://doge.gov/

This weekend should be particularly hot for cryptocurrencies, especially US-based crypto, it's already lunchtime. The stock market will be pulling its money out, as they do every Friday. Focus on crypto now so you can take profits tomorrow and Sunday. On Monday, take your profits and get out with the critters 🚩🚩🚩🚩📤

$BTC (-0.29%)

$ETH (+0.85%)

Solana $SOL (+1.97%)

🔥🔥🔥💵🔥💵💵🔥💵🔥

ISO compatible

XRP $XRP (+2.66%)

XLM $XLM (+7.8%)

XDC $XDC (+1.93%)

VELO $VELO (+4.46%)

ONDO $ONDO (+1.46%)

💵🔥

Meme 🚨

BONK $BONK (+0.87%)

Pepe $PEPE (+1.84%)

Pudgy penguin

Doge $DOGE (+2.37%)

Shiba Inu $SHIB (+1.52%)

As with stocks, there are risks with cryptocurrencies... Do your research and never invest more than you can afford to lose.

I actually received an unexpected Christmas present today. $BTC (-0.29%) Christmas present today. Cryptopia (was hacked in 2019 and subsequently filed for bankruptcy) and its insolvency administrator Grant Thornton has started paying out the balances. $DOGE (+2.37%) and $BTC (-0.29%) holders have now been served first. Many thanks for the forced Hodl 🥳.