1 Who am I?
Hey,
I'm 20 years old and I'm finishing my apprenticeship as a bank clerk at a savings bank in June. After completing my training, I'm aiming to study business administration, as I don't see myself as a "bank advisor" in the future and I'm not completely convinced by the banking sector. My monthly savings rate is currently very high, as I still live at home and hardly have to pay any rent. I also receive monthly maintenance from my dad and I have a part-time job in catering. I am very grateful to my parents that I can put so much aside each month and try to spend as little money as possible on unnecessary consumption.
2. strategy/investment goals
My strategy is core-satellite with at least 65% ETF share and the rest in individual stocks and precious metals. As a result, in the near future only the $VWCE (+0.98%) and $CSPX (+1.03%) ETF. I have chosen a distributing variant for the ETFs as I want to make full use of the tax-free amount. The bond ETF $IBGL (+0.63%) is a speculation on the ECB's interest rate cuts, which will hopefully happen soon, and the individual share positions are now all Grow companies. My investment horizon is over 40 years and my securities account acts as a later retirement provision. When I start my studies, my monthly investments will be significantly reduced for the time being, as I have always been very frugal and have hardly seen anything of the world. When I finish my studies, I will start investing again in the global economy in a broadly diversified and aggressive manner.
I look forward to your opinions and suggestions for improvement. :)
Thanks in advance!