Hi everyone,

I am 21 years old and have been actively investing myself since 2019, before that my parents started investing money for me.

Now I started working at the beginning of the year and can currently invest €1000 per month, but I'm thinking about increasing it again if necessary, as I have enough left over at the end of the month.

I am currently saving $BRK.B (-6.3%)
$NVDA (-7.25%)
$AAPL (-6.8%)
$MSFT (-2.36%) and $META (-4.44%) with 50€ each.

The ETFs $UST (-5.57%)
$LYPS (-5.44%)
$LYY7 (-5.8%)
$IWRD (-5.63%) and $LOCK (-5.17%) with 150€ each.

I would like some feedback on what you think about diversification in the savings plan, or whether I should invest more in shares at a young age.

I will also be joining Trade Republic next month and will also be focusing on short-term trades as I have been looking into this a bit more recently.

I look forward to your feedback and what could be adjusted in general.

Best regards!

Dow +339.86 at 42732.13, Nasdaq +340.88 at 19621.67, S&P +73.92 at 5942.47

The stock market was in rally mode, benefiting from buying interest after the recent declines. The S&P 500 closed 1.3% higher than Thursday, but was 0.5% lower since the start of the Santa Claus rally period (last five trading days of the year and first two of the new year). The index was just below its 50-day moving average (5,944).

Gains were widely spread. Market breadth favored losers with a ratio of about 3 to 1 on the NYSE and Nasdaq. 24 of the 30 Dow components posted gains and all 11 S&P 500 sectors closed higher. The consumer discretionary sector led by a wide margin, rising 2.4%, thanks to a surge in Amazon.com $AMZN (-3.47%) and a big move in Tesla. Shares of $TSLA (-9.97%) recovered from their 20% drop from their December highs to yesterday's close.

Other mega cap names outperformed the broader stock market and boosted index performance. The Vanguard Mega Cap Growth ETF $MGK (-5.44%) closed 1.7% higher.

Apple $AAPL (-6.8%) was an exception, continuing declines related to iPhone discounting and declining demand in China.

Shares of US Steel $X (-2.83%) also went against the uptrend, slipping after the White House confirmed that President Biden will block the acquisition of Nippon Steel $NPSCY takeover. Nippon Steel Corporation and US Steel released a statement condemning the US government's decision to block the proposed acquisition of US Steel, calling it illegal.

The yield on 10-year bonds rose two basis points to 4.60% and the yield on 2-year bonds rose three basis points to 4.28%.

$CSNDX (-5.5%)
$LYPS (-5.44%)

I am currently shifting a lot in the $LVX (+6.75%) around. The downside risk is relatively low. But in the event of a crash, you can protect your portfolio (depending on the correlation with the $LYPS (-5.44%) ) tax-free from losses. What do you think of the idea?

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 (-6.12%) 12€ per week

$KO (-3.58%) 12€ wö.

$AMZN (-3.47%) 50€ monthly

$IFX (-8.33%) 12€ weekly

$PYPL (-4.25%) 12€ weekly

FZ

$XAIX (-5.55%) 75€ monthly

$LYPS (-5.44%) 50€ per month

$LYY7 (-5.8%) 25€ per month

$BITC (+3.07%) 50€ per month

$EXSH (-6.7%) 25€ per month

DeKa

DekaFonds CF DAX $n/a (-6.29%) perf. 18.59%

Deka-GlobalChampions CF $n/a (-4.85%) 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.

I don't actually follow a dividend strategy, but when I saw this distribution today, I was very happy about the small cash flow for Christmas 😁😁

What I find really strange, why some ETFs run so differently as their indices. S&P 500 since a week 3% up and the ETF that tracks this index 100% 1.64% down...

Can someone enlighten me there 😂

$LYPS (-5.44%) as an example...

Hi Dear GQ Community,

this is my first time writing here and I would like to hear your opinions on savings plans for my son.

I gratefully accept optimizations 😁

Since his birth in June 2017 I have opened a custody account for Him. There their ETF $n/a (-4.33%) with 50€ saved.

Since September 2022 I have opened a children's account at Ginmon with a savings amount of 150€. Ginmon invests very diversified.

Since December 2022, another 150€ is saved in a children's deposit with Barmenia. These have a savings plan in $n/a (-4.52%)
$WLD (-4.48%)
$LYPS (-5.44%)
$n/a (-6.87%)
$n/a (-4.61%) 30€ each.

My question:

Would it make more sense to open a children's account with a broker to manage the savings plans themselves? If YES which ETF's would you recommend for the savings rate of 350€?

Thank you in advance ☺️

Crypto>Single share>ETF

Does anyone collect gold or silver coins?

I have now sold the S&P 500 ETF to simply take a small profit and to free up money for the next purchases, but only when it goes down again