A difficult start to the year for my portfolio, I would say.

$BTC (-0.23%)
$ACWI
$EXSH (+1.35%) and much more.

Hello everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (+0.57%)
• Emerging markets, $EIMI (+2.87%)
• AI and big data, $XAIX (+1.5%)

Smaller side bets were added later.

• Armaments, $DFEN (+1.35%)
• uranium, $U3O8 (+6.02%)
• batteries, $BATG (+4.56%)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (-1.29%) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (+1.87%) ,$1SXP (+2.58%) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (+0.9%)
• $VHYL (+1.25%)
• $ZPRG (+1.37%)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0.22%) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (+1.03%) , 34 percent
• $IEEM (+2.39%) , 26 percent
• $XAIX (+1.5%) , 13 percent
• $EXSH (+1.35%) , 26 percent

Side bets with 81 euros per month

• $DFEN (+1.35%) , 62 percent
• $BATG (+4.56%) , 10 percent
• $QYLE (+0.22%) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

2020 started with tr to gain first experience on the financial markets with manageable funds. 600€

many shares with very small amounts...

naaaja...

With $9626 (+0.97%) and $9866 (+6.26%) had large short-term gains in the portfolio during Corona. But just as quickly accumulated losses again due to overpriced speculative assets.

2024 strategy Switch to etf savings plan and diversification of countries and sectors as well as $BTC (-0.23%) admixture.

long-term investment idea:

Energy sector should be a safe bet, as global consumption is increasing annually, not decreasing.

then generally modern technologies

ETF

$ISAC (+1.36%) - Main position 50%

$EXXT (+0.3%) - usa technology boost distributing 30%

$EXSH (+1.35%) - Europe hedge (finance and insurance) distributing 20%

I will continue to buy or sell shares from time to time, depending on whether it is worthwhile or not.

Now you...

Any suggestions?

Portfolio feedback requested

I (early 50s, so still a good 15 years to work on the portfolio) would like to hear your opinion. I've been with Trade Republic since January, mainly because of the 4%. But then I started saving a few ETFs, then buying and selling a few shares. So I played around. At the moment my portfolio has three or rather four different parts. Let's put it this way, the family treasury has given me around €10k to play with. The rest remains in call money.

Of this 10K I would like to have a part to play, individual stocks, §IWDA, other ETFs that are close to me because of my work, XRP.

But that's not my topic here.

I want to build a dividend portfolio. Reduce working hours or improve pension, we'll see where the journey takes me. For now, I would reinvest all payouts.

The composition from December would look like this:

$MCD (-0.77%) 15%

$EXSH (+1.35%) 9%

$MAIN (+0.35%) 9%

$ARCC (+1.03%) 9%

$HTGC (+1.86%) 9%

$O (-0.72%) 9%

$CSWC (+1.39%) 5%

$PFE (-1.16%) 5%

$KAP (+3.49%) 5%

$JEGP (+0.32%) 5%

$TGT (+0.99%) 3,5%

$GAIN (-0.89%) 5%

$QYLE (+0.22%) 5%

$VHYL (+1.25%) 1%

What do you think about the composition? Should something go in/out?

My aim would be to distribute the monthly distributions evenly. I'll have to play around with the ratios a bit.

My problem is that the months of January, February, April and May look too poor. What would you suggest that pays out in these months?

Roast me!

Hi, I've been investing in funds since 2010 and have gambled a bit on the stock market from time to time, which always went well, except for this January when I took a dive into the toilet, well, that's part of it, I'd say. Since November 2023, I've been thinking that maybe I should stop gambling and build up something solid and long-term via a savings rate. (even though I hit the wall in January)

Now I have opened 2 brokers TR and Finanz.Zero

In TR (€ 238 per month) I wanted to save in individual shares and in FZ - ETF's (€ 225 per month) my funds continue to run in parallel with € 150 per month and then there is another € 200 per month on the call money account. Monthly investment of € 813

Now I've thought about the following and wanted to ask you for your opinion:

TR (admittedly it's a bit like gambling again :) )

$BAYN (+2.18%) 12€ per week

$KO (-0.21%) 12€ wö.

$AMZN (+1.09%) 50€ monthly

$IFX (+3.9%) 12€ weekly

$PYPL (+1.82%) 12€ weekly

FZ

$XAIX (+1.5%) 75€ monthly

$LYPS (+0.17%) 50€ per month

$LYY7 (+2.51%) 25€ per month

$BITC (-0.3%) 50€ per month

$EXSH (+1.35%) 25€ per month

DeKa

DekaFonds CF DAX $n/a (+1.69%) perf. 18.59%

Deka-GlobalChampions CF $n/a (+0.69%) perf. 32.78% (since 2018)

In addition, I am currently undecided whether I should liquidate the funds and rather invest in the ETFs because of the lower fees or leave the ETFs.

What do you think? Investment horizon, there is no concrete one, the €800 a month doesn't hurt me and I would only spend it on nonsense anyway.

$EXSH (+1.35%) just like its big brother ETF both buckle strongly today. Does anyone know the background? Is there a portfolio shakeout going on right now? Or rather, which share(s) was (were) thrown out?