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Brock
@TheRealBrockNicholson
7Mon·

Hello dear community,


today I would like to ask you for feedback on my portfolio.


Briefly about me, I am just in my early 30s and started investing after my studies in 2019. After my apprenticeship and a short time as an employee, I successfully completed my studies, which I paid for with jobs during the semester break. As traveling, living and self-financing were very important to me during my student days, I had exactly €0 in my account at the start of my second working life.


I then started investing smaller amounts in 2019. Money has been flowing into my account really regularly since 2021. During my time as an investor, I made a lot of mistakes, sold too early at the beginning, then bought Canadian penny stocks with my roommate, but fortunately only in moderation. I am not pursuing a pure growth or dividend strategy, but would like to have a balanced portfolio mix. My investment horizon will be until I retire, so I will have a few years left, around 30-35. As I earn relatively well, my savings rate is around €1000 per month, which is divided between ETFs and individual share savings plans. To all those who don't like savings plans in individual shares - for me they are a good tool and I don't regret it. I also make individual purchases from time to time.


About my stocks. Many of you will no doubt mention the duplications in my portfolio. First of all, I would like to talk about the world ETFs. Initially, I had an MSCI World $AHYQ (+0.33%) and additionally a $IEEM (-0.01%) . I have kept these in my portfolio, but now I am saving the $VWRL (+0.27%) instead, as I have found it to be better for me personally and it still covers a small proportion of EM. As I am an employee of a large company, this stock is relatively well represented in my portfolio due to an employee share program and will continue to grow.

I am currently considering $META (+1.64%) , $AMZN (+1.79%) , $MSFT (+2.84%) and $AAPL (-0.26%) selling my individual shares one by one and investing the capital in $VWRL (+0.27%) (taxes then become a nasty issue). I would collect these again in another market situation and then possibly sell them again. There are also other duplications here, such as $MUV2 (+3.48%) , $ALV (+0.29%) or $KO (-0.44%) , $PEP (+0.46%) or $MO (-1.45%) , $BATS (-0.33%) , etc. My idea behind this is to avoid a cluster risk.


In future, I would like to increase my holding in $VWRL (+0.27%) and expand the individual shares with smaller amounts. If there are favorable opportunities for individual shares, I may take them. However, I don't really want to increase my number of positions significantly. Why don't I invest in an accumulating world ETF? Quite simply - I dream of being able to retire earlier and live off my dividends. I don't know if I can achieve this and would be more likely to do so with an accumulating one --> maybe, but I just feel comfortable with my few dividends at the moment.


In addition to my custody account, I currently have a small 5-digit amount in Trade Republic, which earns 4% interest. Maybe it will turn into a small property. As long as I have the 4 or 3.75%, I'm happy with it for now.


I'm actually very happy with my portfolio performance, although it could have been better if I hadn't made any mistakes at the start. I am reinvesting all my dividends and would like to break the magic 100,000 portfolio value next year.


I hope I haven't forgotten anything important, otherwise just ask me about it.

AND I am happy to receive tips, suggestions and angry comments as to why I don't have an accumulating ETF :)


Thank you.

50Positions
€80,785.46
23.60%
22
23 Comments
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Brock@TheRealBrockNicholson
7Mon
Either everyone here likes my portfolio or I don't know.
I was hoping for some feedback and that's why I put everything out in the open 😁
I'm mostly a silent reader but maybe the people who swirl through my feed have some feedback for me.
@Simpson @GoDividend @DividendenWaschbaer @Michael-official @Fabzy @finanzperpetuum @KevinC @Alumdria
Thank you!
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Schweizer_Investor@Alumdria
7Mon
@TheRealBrockNicholson I actually like your portfolio quite a lot. I would simply go for an All World ETF. And I wouldn't necessarily sell stocks like Apple, Microsoft, Meta, etc. because of the cluster risk as an argument. If you are 100% behind these companies, it doesn't really matter if those positions are a little more heavily weighted. Your portfolio already looks well diversified. And there is also a stock market saying: back and forth empties your pockets. You write yourself that you are following a buy and hold strategy. Then I wouldn't sell any of the shares. If at all and if you are really not satisfied with the cluster risk, I would sell some of the stocks with high returns, realize the price gain and reallocate. But otherwise I think the portfolio is great. Keep it up and you'll be able to retire earlier😄
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Brock@TheRealBrockNicholson
7Mon
@Alumdria top thanks - you often get caught up in your own thoughts yourself, so I really appreciate the feedback. I stand behind the companies and you're probably right - just keep going. Back and forth in this case would definitely empty my pockets due to tax issues.
Then I'll keep going so that the early retirement works out 😎
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Schweizer_Investor@Alumdria
7Mon
@TheRealBrockNicholson not a thing😄
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Ella Marie Waschbär@DividendenWaschbaer
7Mon
@TheRealBrockNicholson It's the weekend. There's generally less going on here 😉

I like your portfolio.
There's really not much you can say about it. You could sell Meituan because the position is small. Unless you have a special investment case or savings plan or something.

Otherwise, I would perhaps try to weight the ETFs higher. But ultimately that's a matter of taste.
Whether you need so many ETFs is also a question. You could also cover it with acwi. But here too, of course, you should do what you feel comfortable with, and that's what you're doing.

The positions themselves are good and more or less correspond to my positions in terms of size. My target size is currently still €1500 per position. But some of them are still missing a lot 😅
But that's another reason why I like your portfolio.

Otherwise, keep going. The savings rate is good and the dividend and possible salary increases will also increase it.

Keep it up
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Brock@TheRealBrockNicholson
7Mon
@DividendenWaschbaer That's when I have more time than during the week, but yes, I understand 😁

I bought Meituan back when I still had Tencent in my portfolio. It's not worth selling here because of the fees, so I'm leaving it.

So your target size is €1500 and then the rest in ETFs? Yes, I still need to add to some positions.

Thank you, I'll definitely keep doing this.
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Ella Marie Waschbär@DividendenWaschbaer
7Mon
@TheRealBrockNicholson I made the "mistake" at the beginning and somehow made 30 savings plans of €20 or something like that. Then I deleted, changed or added a few more. I then had lots of small positions and have now reached 59. As my portfolio size is similar to yours, I don't really want any more for the time being.
That's why I've set myself the goal of getting all my positions to at least €1000 and now €1500.
I've already succeeded with some of them, but it's still taking a while with others and with others I'm not sure whether I want to expand them or sell them (because the position is too small (e.g. 3M)).

When the 1500€ per position is reached, there will be another target size. Or a sorting out or something like that. Let's see what ideas I have then.

My ETFs are out of competition. They are simply saved stubbornly until retirement. Nothing happens to them, except that the rate increases from time to time.
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Brock@TheRealBrockNicholson
7Mon
@DividendenWaschbaer I understand that - I also always have the urge to save up for new individual shares. How sensible that is remains to be seen. But it is also my aim not to have very small positions.

That certainly sounds like a plan.
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finanzperpetuum@finanzperpetuum
7Mon
@TheRealBrockNicholson So much has already been written and I would agree with the content of @Alumdria.

Basically, I like your portfolio because you have an idea/goal and a plan for it and you are now trying to implement it. That's the most important thing. So keep it up ...
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Marcel@AktienGaertner
7Mon
A bit too colorful for me and I would realize one or the other loss if necessary. However, as the positions concerned are quite small, you can hold them, but what strategy do the low performers follow?
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Brock@TheRealBrockNicholson
7Mon
@AktienGaertner I have already realized the biggest losses. Apart from that, there is only PayPal, which I tend to hold. As you say, the rest is very small, so I'm keeping it in.
By low performers, you must be talking about stocks like Unilever or Nestlé etc.? Well, I hold these and collect my dividends. I also hope to stabilize my portfolio in less rosy times.
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~ Michael 💎 🏅@Michael-official
7Mon
Works very well for me. ✌️
However, I think 80 positions on 80k volume is a lot.
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Brock@TheRealBrockNicholson
7Mon
@Michael-official top. If I know correctly, I would 'only' have 50 positions.
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Dividende > Zinsen@GoDividend
7Mon
Cool. First of all, stay tuned and implement your idea - I fully agree with you. Every single position is justified. I think the tip from @KevinC is right and that's how I got my 3 water values and depot -> a matter of taste

->I also used to hold a realty inc. directly but now only indirectly via Etf in my portfolio

-> with Unilever I was actually considering selling it before the spinn of
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Brock@TheRealBrockNicholson
7Mon
@GoDividend Thank you.

is there a reason why you took Realty Inc out or which ETF are you using to get it in?

I'll definitely take a look at Unilever, thanks.
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Dividende > Zinsen@GoDividend
7Mon
@TheRealBrockNicholson via the dividend ETFs you see in the profile. In this case $SPYD.
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Fabzy ✨@Fabzy
7Mon
I like the portfolio because it is well thought out. You can say for each position what purpose it serves. With the many individual stocks, it's probably diversification. I would get them via an ETF and weight it higher accordingly, but if you feel comfortable with the number of stocks and the weighting, then go for it. In the future you would rather expand the ETF.
I don't think that many people have commented because you simply don't see any major mistakes. In this sense, the lack of feedback is silent approval 😉

So, it's all good, keep going 🫡
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Brock@TheRealBrockNicholson
7Mon
@Fabzy thanks for the honest feedback - thank you too 😊 I currently feel very comfortable with it and I think I have a broad base, but yes, I would like to expand the ETF.
If that's the reason for the lack of feedback, then I can live with it and I'll continue with my strategy 👍
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Kevin E.@KevinE
7Mon
Everyone is allowed to make mistakes - and everyone has certainly made them! As long as you learn from them, it's all good.
Personally, I think your approach is a good one - increase ETFs! But it's best to set 50%+X as a savings plan - otherwise you'll probably be tempted to continue buying individual shares.
I personally find the water ETF too expensive with a TER of 0.6%. Maybe take a look at the positions in the ETF and invest in 1-2 of your favorites?
Personally, I wouldn't take any more positions for the time being. I would rather throw out a few positions.

Otherwise: stay tuned and good luck!

PS: Target and investment horizon would not be wrong. So smart goals.
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Brock@TheRealBrockNicholson
7Mon
@KevinC I'm actually always tempted to buy individual shares. good advice about the ETF, I'll definitely reconsider that.
Thank you.
What do you mean by smart goals. I think it's a good goal to want to break 100k next year first, then I'll have to rethink.
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Kevin E.@KevinE
7Mon
@TheRealBrockNicholson smart = specific, measurable, attractive, realistic, (time)-bound.

In other words, as concrete as possible.
Example: I would like to cover my pension gap of probably €1,000 by the time I retire.
I would like to draw 10% of my income from passive income by my 40th birthday.
I would like to have a portfolio value of 100k / 2 gross annual salaries / etc. by xx.xx.xxxx.
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Bond_James_0815@Bond_James_0815
7Mon
I think the portfolio size is already great, but there are too many stocks. To make it easier, I would shift everything behind $MUV2 with less than +20% into other stocks and increase the ETFs - for me, it's not clear enough and then probably without any significant advantages over a well-performing ETF - too many weak stocks then tend to kill the return, so your stocks only beat the ETFs a little.
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Brock@TheRealBrockNicholson
7Mon
@Bond_James_0815 I think many stocks that are not currently up 20% are above all stable dividend stocks that can stabilize my portfolio in a crisis. That's why I don't want to sell them. Then I might as well put everything into an ETF.
I wouldn't describe most of these stocks as 'weak'.
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