Luca · 2024-01-10T07:59:51.504195Z

Hallo zusammen, Zu meiner Person: Ich bin 19 Jahre alt, mache momentan ein Bundesfreiwilligenjahr und arbeite nebenbei noch in einem Sprungpark. Ab August fängt dann meine Ausbildung als Fachinformatiker an. Letzten Monat habe ich angefangen zu investieren. Weshalb ich angefangen habe hat verschiedene Gründe. Zum einen finde ich das Thema sehr interessant und auf der anderen Seite würde ich gerne eine Anlagequelle für die Zukunft haben. Bis dahin würde ich gerne Monatlich einen noch kleinen Betrag investieren. Wir liegen hier so zwischen 60 und 100€. Ich weiß das ist jetzt nicht viel, aber ich hoffe dass ich das nach und nach immer etwas erhöhen kann. Ich habe mir 3 ETF's ausgewählt. $VDEV $VEUR $EIMI In diese habe ich angefangen zu investieren. Das ganze tue ich in einem 60/20/20 Verhältnis. Mir gefallen diese eigentlich sehr gut. Der Amerikanische Markt hat den größten Anteil. Das soll auch so bleiben. Dazu kommt ein kleiner Teil auf dem Europäischen Markt, genau wie ein kleiner Teil aus den Schwellenländer. Wenn ich ein wenig Geld übrig habe, würde ich dies auch gerne auch in Einzelaktien stecken. Ich persönlich würde Firmen bevorzugen, die in den letzten Jahren eine relativ gut gleichbleibende Dividente zahlen. Ebenso ein gutes Eigenkapital mitbringen. Das sind so meine Gedanken. Freue mich auf eure Meinungen, Ratschläge, Kritiken :)

@luca_r1

1Yr·

Hello everyone,

About me:

I am 19 years old, currently doing a federal voluntary year and working part-time in a skydiving park. I will be starting my apprenticeship as an IT specialist in August.

I started investing last month. There are several reasons why I started. On the one hand, I find the subject very interesting and, on the other hand, I would like to have a source of investment for the future.

Until then, I would like to invest a small amount every month. We are looking at between €60 and €100. I know that's not a lot now, but I hope that I can gradually increase it.

I have chosen 3 ETFs.

$VDEV (+0.01%)

$VEUR (+0.36%)

$EIMI (-0.24%)

I have started investing in these. I do this in a 60/20/20 ratio.

I actually like them very much. The American market has the largest share. I want to keep it that way. There is also a small proportion in the European market, as well as a small proportion from the emerging markets.

If I have a little money left over, I would also like to invest it in individual shares. Personally, I would prefer companies that have paid a relatively consistent dividend in recent years. They also have good equity. These are my thoughts.

I look forward to your opinions, advice and criticism :)

16 Comments

Gerit@Gerit

1Yr

You've put a lot of thought into it, the choices look suitable, it's always good to make your own decision. 👍

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Luca@luca_r1

1Yr

@Gerit Thank you, that's exactly how I see it.

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Trevor@trevv22

1Yr

When it comes to ETF's, my go to would be the $VUSA I think it is a very suitable choice and you can never go wrong with the 500 best companies in the US.

When it comes to dividends, I would personally recommend you $O since it is at a fairly low purchase price and it distributes its dividends on a monthly basis. They have also been delivering consistent dividends for the last 50 something years. Keep the good work up💪

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Luca@luca_r1

1Yr

@trevv22 thank you for your comment! I heared about that ETF. I also think its a very interesting ETF. But i will think about it. (to invest)
Also a very interesting stock.
Thank you for your recommendations and good luck to you!🙌

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MrMister@MrMister

1Yr

Your top 10 Etf picks look very good: (60/20/20)

Apple Inc USA 2.90%
Microsoft Corp USA 2.88%
Amazon.com USA 1.35%
NVIDIA Corp USA 1.14%
Taiwan Semiconductor Taiwan 1.12%
Samsung Elec South Korea 0.96%
Novo Nordisk Denmark 0.94
Nestle SA Switzerland 0.90%
Alphabet USA 0.81%
ASML Netherlands 0.79%

TER : 0.14% also very good

America 44%
Europe 33%
Asia 23%

I also think the breakdown is very good.

If you invest in shares, perhaps in those that are not so highly weighted in the ETF. For me, shares from Japan, the UK and Brazil are currently very exciting. These often have a low P/E ratio and good growth opportunities.

Otherwise I think your selection is very good.

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Luca@luca_r1

1Yr

@MrMister Many thanks for your opinion! I will have a look at the shares :)

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MrMister@MrMister

1Yr

@luca_r1 Don't misunderstand, the stocks mentioned are in your ETFs. This is the listing at 60/20/20 of your ETFs incl. percentage frequency. The ter is the average of the costs per year of your ETFs at 60/20/20.

Recommending shares is always difficult.
I myself hold 40 shares and 5 warrants with leverage. So my investment strategy is completely different.

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Luca@luca_r1

1Yr

@MrMister Yes I know what you mean, I meant the stocks from Japan, UK etc that you listed.

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MrMister@MrMister

1Yr

@luca_r1 I currently have Hitachi. I will also get Mitsubishi Heavy. I also think Itochu is quite good. In Brazil I mainly have Petroleo Petrobras.

For Japan there is also a Nikkei225 etf and for Brazil the Franklin Brasil Etf

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Luca@luca_r1

1Yr

@MrMister I have also read about Petroleo Petrobas, which I also found quite interesting. I had also thought about that. Sounds good, thanks for your suggestions

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port01_andy@port01_andy

1Yr

Get out of ETFs and pick individual stocks otherwise you won't make enough return

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Luca@luca_r1

1Yr

@port01_andy I am aware of that, but I will first invest in the ETFs and, if I can, in certain individual shares. This is my plan.

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Tim@Stratege_Tim

1Yr

All good,
except the consideration with the individual shares 🫣

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Luca@luca_r1

1Yr

@Stratege_Tim yes, shares can be risky, but I want to use them for the dividend and invest in safe^^ companies. So that I have a small passive income and can save or reinvest this money.

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Tim@Stratege_Tim

1Yr

@luca_r1
ETFs are also distributing

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Luca@luca_r1

1Yr

@Stratege_Tim I know, I did that specifically. But in addition to the distributing ETFs, I would also like to have shares in the future, in small portions. However, ETFs are still my first priority.

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