Depot presentation

Depot presentation - hope for constructive criticism and inspiring opinions

Beginnings

Started with 25€ Q4 2021, now Q4 2024 my portfolio exceeded 50k for the first time, which was an amazing feeling for me not to be one of the people with mountains of Klarna debt. But to have built up something.

Strategy & goal

My investment horizon is still very long, I'm 27 and still have plenty of time.

My strategy is definitely the dividend strategy. I want to slowly but surely have a constantly growing payout. So that I can draw on it as early as possible. After all, I'm living in the here and now and don't want to wait until I'm old to have some of the money. Finding the balance between living and saving is the art, I think.

Self-assessment

I'm quite happy with my position, a few mistakes from the beginning like $MPW (-1.39%) or $BAYN (-1.26%) are also included. I lost a small amount of money on the Beer coin, but I believe that this experience has helped me to avoid making such mistakes in the long term. But also a lucky hand like $NVDA (+0.65%) 300%, or holding on to the $BTC (-1.2%) since 2022 make me feel positive. So far, however, my rational and conscious decision has confirmed me. 2000€ capital gains and well over 2000€ realized profits make me feel positive. An internal interest flow of approx. 25% (according to financial flow Copilot All Time).

Diversification

I think my diversification is good, many strong stocks, a healthy amount of crypto, call money, ETFs, whereby the percentage should still grow. Physical gold is also included in a healthy weighting. A cash reserve of 5k is always available (emergency overnight money)

Deposits

My cryptos and a few shares are with Bitpanda. (I started there because of a friend)

My main account is with Trade Republic (I'm very happy with this broker and have tried others that didn't convince me any better)

Current situation

At the moment I think my German share is too high and would like to do something about it, as well as gradually clearing out the legacy assets mentioned above, which I don't believe in in the long term.

I am currently interested in $AMD (-0.13%) in terms of AI and turnaround. Stocks such as $UNH (+2.88%) in relation to FOMO are also worth watching. As well as $PEP (+0.46%) to better cover the consumer staples sector.

In the hope of constructive criticism of the overall situation and stimulating opinions on it.

Harald@Madhatter5566

In my opinion a self-made Etf. A lot of effort, the purely small positions require effort and trading costs. Without any added value compared to an Etf, especially balancing and sorting out losers etc. is difficult.

I found dividends as a strategy appealing at first glance, but at second glance it is nonsense. If you want to reinvest early, which is all it is if you don't reinvest the dividends, then you might as well sell a small amount whenever you need to.
One comes regularly without your control (sometimes too much, sometimes too little) and thus possibly at an unoppurtune moment, one you control completely yourself. In addition, dividends are taxed several times internally (by the company, by you) and cause costs in themselves (administration, distribution, etc.).
This does not mean that companies with dividends are bad, only that the focus on dividend companies and preferably the allocation so that the sum xy comes out each month is a waste of time.

I would streamline it and use the core one world. Larger positions, but fewer.

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Marius@MariusLoo

Thank you for your opinion. That's what I want to understand other points of view.

portfolio_genius_1281@portfolio_genius_1281

Thanks!