1Yr·

Hello, I am since August last year on the stock market and 19 years old. My goal is to improve my pension, which is due in about 45 years, so that I do not have to worry about old age poverty. To explain the two world etfs had the $AHYQ (+1.02%) first and later decided for the $VWRL (+0.79%) later. The investment in the $INRG (+1.18%) I regret meanwhile but would like to separate from this only if he is in plus. Looking forward to your feedback and wish everyone a good day.

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11 Comments

Epi@Epi

1Yr

First of all, I respect you for thinking about retirement at the age of 18, but you should not invest like a retiree right now. The distributors are return killers in the long run and only for people who need passive income, not for savers. If you want to get the most out of retirement in 45 years, you can take all the risk premiums that go. The highest are in SmallCap Growth and in SmallCap EM. Your huge advantage is time. Use it!

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est 4.@user541bd08ad7c94f17

1Yr

@Epi thanks for the advice. Would it be smarter to cover them with an etf or pick out individual stocks?

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Epi@Epi

1Yr

@user541bd08ad7c94f17 The risk premium comes from the fact that out of 100 small caps, 98 are eliminated over time and 2 become really big. If you have the confidence to find those 2, go for it. But that's what 10000 highly qualified fund managers are trying to do as well, should be a gamble. So rather ETFs.

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IndexInvestorX@IndexInvestorX

1Yr

With a portfolio size below 10k I would put everything into the Allworld-Etf. After you have 10k in the Allworld, you can then deal with individual stocks if necessary. Without your individual stocks your portfolio (as of now) would also have a better performance.

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Cashflow I.@Cashflow_Investor

1Yr

@jannic12 I don't understand your logic, he is only 19 years old and has many years to build up his portfolio, he doesn't have more than 10k at a time, he can't buy a single share or what?

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IndexInvestorX@IndexInvestorX

1Yr

@Cashflow_Investor The point is that at that age you should first get a feel for the stock market and also first build up your core, i.e. a broadly diversified etf. Dividing 4,000 into 9 positions makes little sense to me. Sure, you can add a single stock to the portfolio in addition to the Etf. But in my opinion, the Etf should not only make up one third of the portfolio value.

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Cashflow I.@Cashflow_Investor

1Yr

@jannic12 he has all world ETF highly weighted, which is already good. That you can not invest in individual shares, because you do not have over 10k is absolutely "often point" All do not have so much money at once, the main thing is to gradually build up his portfolio, and that he does.

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est 4.@user541bd08ad7c94f17

1Yr

@jannic12 you are of course right that it would be smarter to concentrate only on the vwrl for the time being. Only I had the train of thought as cashflow has already explained it and now wants to further expand all positions over time. Possibly a small cap etf comes in addition because these are significantly underperfomen since corona and I am confident that a recovery will take place over time.

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IndexInvestorX@IndexInvestorX

1Yr

@Cashflow_Investor I see we have a very different investment strategy and that's perfectly fine. I simply think that it is almost impossible for the private investor to beat the market in the long term through individual shares. That's why I have a high etf weighting in my portfolio from the beginning and only 20% invested in individual stocks. The 10,000 is not a magic limit that must be reached before investing in individual stocks. But due to the high diversification, one protects oneself extremely well. Of course, it also takes time to reach such an amount, but you should have that when investing for the long term 👍🏻

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IndexInvestorX@IndexInvestorX

1Yr

@user541bd08ad7c94f17 You are welcome to do it all. As long as you feel comfortable with it. For me it would be just too many small positions. I think you will come closer to your goal in the long term if you focus on your core and continue to expand it. I think it's a good idea to add a smallcap etf to your portfolio, I also have one. By the way, I think it's great that you are already at this age investiertest👍🏻

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Kevin E.@KevinE

1Yr

If you want to have no worries in 40 years, always put 15% of your net in world ETF. That will be enough, zero stress, very safe. If you put more in, you'll start to wonder in your early 50s if you want to keep working.

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