Hello everyone,
Today I would like to introduce you to my recently reorganized portfolio and tell you about my motivations. Briefly about me: I'm 25 years old, currently studying for a Master's degree in business administration and working part-time as a student trainee. Starting next year, I intend to invest a savings installment of 1,000 euros every month. My stock market experience so far started in 2021/2022, and since then I have lived through almost every emotional up and down: from falling into the falling knife (Alibaba $BABA (-9.21%) PayPal $2PP, and many more) to speculative leveraged products and options. Fortunately, despite extreme fluctuations, I ended up at around plus/minus zero.
After dabbling in stock picking (mostly tech stocks) for a while, I realized that my biggest weakness is the lack of staying power for a consistent strategy. Neobrokers are like a game to me in a way, always tempting me to be more active. As a result, I regularly discard concepts that are actually promising - if only I had pursued them consistently. I am now learning my lesson from these findings: I want to implement a long-term, broad-based ETF strategy, which I will also share and track transparently on GetQuinn.
At the end of 2024, I therefore closed all my previous positions and am making a "clean" new start. My portfolio consists of the following components:
-NASDAQ 100 (25%) $XNAS (-5.45%) - the driving force for me in terms of US technology.
-FTSE China 50 (25%)
$DBX9 (-2.5%) - offers long-term potential in a dynamically growing market in my view.
-Euro STOXX 50 (20%)
$XESC (-5.43%) - Europe as a solid addition with established companies.
-Ossiam Shiller Barclays CAPE US Sector Value (15%)
$216361 (-4.09%) - deliberately focuses on value aspects and adds substance to my tech bias.
-FTSE India (15%) $FLXI (-2.8%) - another growth theme with exciting future prospects.
I find the symmetry of the portfolio particularly reassuring (even if perhaps irrational): USA-Tech stands opposite China, USA-Value stands opposite India, and there is also a European anchor. I am investing a total of just under EUR 15,000 at the start, so the percentages correspond exactly to my expectations. In future, I plan to divide the monthly savings installment of EUR 1,000 evenly between all ETFs.
My rebalancing approach
I will not invest my special payments (e.g. vacation pay, bonuses) immediately for the time being, but will keep them available as a cash reserve. On the one hand, I want to be able to react to possible price slumps in individual markets, and on the other hand, I use the saved cash quota for rebalancing at the end of the year. I don't sell anything, but add to the ETFs that have lost the most in relative terms over the course of the year. This allows me to keep the portfolio weighting more or less in balance without having to deal with short-term fluctuations too often.
Why GetQuin?
GetQuin allows me to monitor my portfolio performance transparently and at the same time exchange ideas with the community. Above all, I hope to receive honest feedback on my chosen structure and my rebalancing approach. At the same time, the platform motivates me to stick to my strategy in the long term - because I realize every day that constantly switching back and forth often only causes additional costs and stress.
I look forward to hearing your opinions:
- What opportunities or risks do you see in this ETF selection?
- Do you have any tips on how I could make my rebalancing even more efficient?
- Are there certain markets or sectors that you think I am neglecting or overvaluing?
Thank you very much for your opinions and advice! I am looking forward to a stimulating discussion and hope that we can inspire each other.
Best regards
A (hopefully) reformed stock market enthusiast in his second attempt
