NPC_TRDR · 2024-06-19T09:43:36.745821Z

Hallo GQ-Community! Ich möchte euch heute mein Portfolio vorstellen und werde regelmäßig Updates dazu teilen. 💡 Mein Weg zum Vermögensaufbau: Nach langem Zögern und aufgrund der hohen Inflation nach der Pandemie, habe ich mich entschlossen, endlich in ETFs und Einzelaktien zu investieren. Es war erschreckend zu sehen, wie mein mühsam erspartes Geld auf dem Tagesgeldkonto dahin schmolz. Daher habe ich entschieden, aktiv etwas dagegen zu unternehmen. 🚧 Portfolioaufbau: - Core Satellite: Der ETF-Kern besteht aus dem MSCI ACWI $ISAC und dem STOXX Europe 600 $n/a - Satelliten: Fokus auf Dividendentitel, derzeit auf maximal 8-10 Positionen begrenzt. 📊 Strategie: - Buy and Hold: Der Kern bleibt unangetastet, während die Satelliten bei günstigen Bewertungen nachgekauft und aktiv gehandelt werden. ⏳ Anlagehorizont: - Langfristig: bis zur Rente, also noch etwa 25-30 Jahre. 🏦 Notgroschen: - Ich halte 3 bis 6 Netto-Monatsgehälter als Sicherheitsreserve. 💰 Sparrate: - Aktuell 1000€ pro Monat, davon fließen 70% ins Portfolio und 30% auf das Tagesgeldkonto für den Notgroschen. Sobald dieser "gefüllt" ist, werden 100% der Sparrate ins Portfolio investiert. 🎯 Ziel: - Die Rentenlücke schließen und finanziell besser aufgestellt sein. 📍 Nächstes Etappenziel: ✅⬜️⬜️⬜️⬜️⬜️⬜️⬜️⬜️⬜️ 100.000€ 📋 Erreichte Meilensteine: 🔒 2024-XX - 20.000€ 🏆 2024-06 - 15.000€ 🏆 2024-01 - 10.000€ 🏆 2023-11 - 5.000€ 🤝 Ich freue mich darauf, meine Reise mit euch zu teilen und bin gespannt auf eure Kommentare und Anregungen! #️⃣ #vermögensaufbau #etfs #aktien #dividenden

@NPC_TRDR

7Mon·

Hello GQ community!

I would like to introduce you to my portfolio today and will share regular updates.

💡 My path to building wealth:

After a long period of hesitation and due to the high inflation after the pandemic, I decided to finally invest in ETFs and individual shares. It was frightening to see how my hard-earned savings in my call money account were melting away. So I decided to actively do something about it.

🚧 Portfolio building:

- Core Satellite: The ETF core consists of the MSCI ACWI $ISAC (+0.21%) and the STOXX Europe 600 $n/a (+0.24%)

- Satellites: Focus on dividend stocks, currently limited to a maximum of 8-10 positions.

📊 Strategy:

- Buy and hold: The core remains untouched, while the satellites are bought and actively traded when valuations are favorable.

⏳ Investment horizon:

- Long-term: until retirement, i.e. around 25-30 years.

🏦 Nest egg:

- I keep 3 to 6 net monthly salaries as a safety reserve.

💰 Savings rate:

- Currently €1000 per month, 70% of which goes into the portfolio and 30% into the call money account for the nest egg. As soon as this is "filled", 100% of the savings rate is invested in the portfolio.

🎯 Goal:

- To close the pension gap and be in a better financial position.

📍 Next milestone:

✅⬜️⬜️⬜️⬜️⬜️⬜️⬜️⬜️⬜️ 100.000€

📋 Milestones achieved:

🔒 2024-XX - €20,000

🏆 2024-06 - 15.000€

🏆 2024-01 - 10.000€

🏆 2023-11 - 5.000€

🤝 I look forward to sharing my journey with you and am excited to hear your comments and suggestions!

#️⃣ #vermögensaufbau
#etfs
#aktien
#dividenden

5Positions

22.39%

11 Comments

Alpalaka@Alpalaka

7Mon

top!

FYI: Something went wrong with your Nvidia split :)

•

NPC_TRDR@NPC_TRDR

7Mon

@Alpalaka yes, but I can't get this corrected. I have often deleted the transactions and imported them again via the interface, without success 🤷‍♂️

••

Alpalaka@Alpalaka

7Mon

@NPC_TRDR politely ask the @Kundenservice

•

NPC_TRDR@NPC_TRDR

7Mon

@Alpalaka I have corrected the transaction in GQ, so far it fits for now. Let's see how it looks after the next update via the interface

••

Kevin E.@KevinE

7Mon

Sounds good so far!
One note: I wouldn't necessarily count the savings installment in the nest egg as savings. As it's not unlikely that you'll have to use it again if an emergency arises.

At least that's how I see it.

About the Nvidia split: often you just have to go into the transaction without changing anything and it looks right again.

•

NPC_TRDR@NPC_TRDR

7Mon

@KevinC Thank you very much for your comments. The savings rate is actually a bit misleading. Basically, I don't count my nest egg as part of my assets, which is why it's not tracked on GQ.

•

Kevin E.@KevinE

7Mon

@NPC_TRDR Have you calculated exactly how big your pension gap is and how big your savings rate should be?

•

NPC_TRDR@NPC_TRDR

7Mon

@KevinC I haven't calculated it exactly yet, I have roughly calculated a "guideline value". However, I will make it more precise in the future.

••

Kevin E.@KevinE

7Mon

@NPC_TRDR 1,000 invested over 30 years should provide more than sufficient cover for the pension gap with a standard market return of 5% (after inflation).

••

NPC_TRDR@NPC_TRDR

7Mon

@KevinC Of course, it would be an absolute dream if I could maintain the €1000 investment or savings rate over 30 years. As I don't have any children at the moment and don't own my own home, which I plan to do in the future, I will probably have to reduce my savings rate. Because if my partner no longer receives a full salary or no salary at all due to the children, I will be the sole earner.
That's why I'm trying to invest/save everything I don't need for as long as I can.
In the next phase, I will have to calculate my savings rate precisely so that I can provide for my family without having to reduce my savings rate for the pension gap below the minimum amount.

•

Kevin E.@KevinE

7Mon

@NPC_TRDR Of course, it is not possible to forecast the next 30 years very well.
If you are interested in a scientific approach and want to delve deeper into this, I recommend the blog Early retirement now, with the Safe withdrawal rate series.

This is less about the savings phase. However, preparing for and living through the withdrawal phase is also much more complex than saving. First of all, you are well prepared with broad ETFs and a long investment period!

Basically, I'm in a similar position to you. Child(ren?) are potentially still on the horizon and it's difficult to estimate everything. In my opinion, you can only make forecasts and then keep adjusting them to reality - until you reach your goal.

•