Underperformance 😑

- PE funds usually underperform the NASDAQ 100 over 5 and 10 years.

- The stated target return of 12% p.a. is wishful thinking for advertising purposes.

Extremely high costs 💰

- 2.35% p.a. EQT + 5.00% exit costs

- 4.51% p.a. Apollo

- Comparison: iShares NASDAQ 100 ETF only 0.32% p.a.

- PE fund is up to 23 times (!!!) as expensive and eats up returns like Jumbo Schreiner at the All You Can Eat buffet.

Low liquidity 🤏

- Monthly sale possible, but no buyers guaranteed

- Sale can be prohibited if too many want to sell. You then have to keep the dirt because it is not traded on the stock exchange.

Further risks 🫣

- Apollo is not transparent and does not tell you what is in the fund. You should blindly & naively buy a fortune cookie.

Conclusion 🥱

Hands off. There are many better investments.

#traderepublic
#scalable
#privateequity
#fonds
#etf
#etfs
#nasdaq
#nasdaq100
$UST (+0.16%)
$CSNDX (+0.16%)
$EQQQ (+0.13%)
$QYLE (-0.16%)
#fail

On getquin it sometimes really becomes such a small bubble,

The main thing is to maximize your savings rate and invest all your money so that you can retire with millions.

I only fulfilled a small dream when I was 21 - at the end of the day we have to find a balance, which is why I kept most of my money in the deposit.

It will also be rented out next year, so it's basically an investment too ;)

So: don't let everything rot in the depot, buy something that makes you happy!

PS: The license plates are not my current ones, don't worry :)

PPS: I have realized all profits in between, so I am 1% in the minus with the transaction

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 (-0.32%)
$NVDA (+3.36%)
$AAPL (+3.96%)
$MSFT (-0.81%) and $META (-1.99%) with 50€ each.

The ETFs $UST (+0.16%)
$LYPS (+0.05%)
$LYY7 (-0.35%)
$IWRD (-0%) and $LOCK (-0.36%) 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!

Would you rather invest monthly in the $CHDVD to have a good dividend yield in 20-30 years' time.

Or:

Monthly in the $UST (+0.16%) and $VWRL (-0.03%) and then switch to the dividend ETF later.

Advantage: I then have more capital.

Hello everyone,

I recently started my first job (3 months ago) and have been thinking about a savings/investment strategy. Could you please comment on it (also constructively negative) so that I can learn from your shared experience?

I specifically tried to make the strategy a bit more risky/risky as I think I should do that as a young person to get slightly better returns.

Specifically:

• 200 $IWDA (+0.06%)
• 
  200 $LYPG (+1.51%)
• 
  200 $QDV5 (-0.78%)
• 
  200 $UST (+0.16%)
• 
  300 $BTC (-0.72%)
• 
  300 $BATS (-1.67%)

Is there anything else I should add/change?

Savings rate increased. First milestone reached, the 10k mark has been reached.

Due to the very good performance in the tech sector, additional purchase by special payment on existing savings plan.