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Portfolio feedback

Hello everyone,

It's time for some criticism again.

Briefly about myself, I am 24 years old

and my strategy is a mix of growth and dividends with quality. I have the MSCI World as my basis.

I have bought very few shares recently, I hold a fairly high cash ratio. Only my ETF savings plans on $IWDA (+0%)
$EIMI (-0.77%)
$WSML (-0.02%) are executed monthly.

I also have one or two speculative stocks in my portfolio, such as $ORSTED (-2.78%)
$FXPO (-1.89%)
$PYPL (-1.16%) . I will sell these when the prices are attractive.

The absolute losers at the moment are $DGE (-0.88%) & $PAH3 (-2.24%) . With $DGE (-0.88%) I am, however, considering buying more.

With $NKE (-0.09%)
$TGT (-0.36%)
$UPS (-0.22%)
$NOVO B (-2.21%) I am quite relaxed about the poor performance. I think patience will pay off here.

Feel free to give me feedback, I'm happy to receive any kind of constructive criticism! 😊

9 Comments

Nice portfolio, are you waiting for the next crash or why the very high cash position?
Many good stocks, but also a lot of crap, here I would sell at least all the stocks you mentioned above and switch to a distributing EFT.
Thanks to various dividend stocks, you will already have a passive 200 euros a month from next year, keep it up!

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Marcel@Marcelxy

@Chris-1989 Thank you very much! Well, the market is already pretty hot at the moment, some stocks are really going up every day. I'll wait on the sidelines for now and buy in when things start to pop again. 😁

What exactly would you throw out and which ETF would you switch to?

I always find it difficult to sell in the red, although it can even make sense from a tax perspective...

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Chris@Chris-1989

I would have sold Orsted, Porsche, Daimler, Mercedes-Benz, Ferrexpo, Biontech and Nike, but since you already have the MSCI World, take that or the S&P 500, as the case may be.
This will certainly fill the loss pot a little and you wouldn't pay any tax if you sold in profit.

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Magician@income_magician_28

How do you get so much money with only 24?

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Marcel@Marcelxy

@income_magician_28 Go through life with open eyes and seize opportunities - and of course work, work and work!

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Magician@income_magician_28

@Marcelxy super. What opportunities did you take advantage of?

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Marcel@Marcelxy

@income_magician_28 I can recommend buying and selling, you just have to recognize demand trends. Of course, you also need to be patient and persistent. 😊

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Bruce💎🙌@BruceBullridge

Congratulations on the sum at such a young age.
Too many individual stocks for my taste and would focus on maximum growth in the form of accumulating ETFs.
You have already taken the most important step, investing, everything else is probably a matter of personal preference.
I also have a relatively high cash ratio, as this money is planned for short to medium-term use and is therefore rather unsuitable for an equity investment.

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Marcel@Marcelxy

@BruceBullridge Thank you very much!
I would actually like to get out of the 40 positions and reduce the portfolio somewhat. However, I am still finding it difficult to part with individual stocks. I don't actually intend to be fully invested. I see around 20K of it as a nest egg. One of my big dreams is to own my own home in the future.

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