1Wk·

Should I hold onto SAP or reallocate my investments?

Hi everyone,

I'm currently thinking about selling my SAP shares and $VWCE (+0.42%) , since SAP has been a real drag on my portfolio’s performance over the last few weeks.

The loss allocation would also come in handy, since I’ve already used up my tax exemption allowance and am still expecting some dividends.

What are your thoughts on this?

Thank you very much!

12 Comments

Marvin.22b@Marvin22b

1Wk

Personally, I don’t sell high-quality stocks when prices fall. I only rebalance my portfolio if a stock was more of a gamble than a long-term investment.

In my opinion, companies will still be using SAP in 10 years—probably just in a different way. If you have that kind of time horizon, then don’t sell.

If you generally can’t handle price fluctuations in individual stocks, then sell them all and go all-in on an All World ETF.

Best regards

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CatFlow 😼.@CatFlow

1Wk

@Marvin22b Thank you for your feedback. I’m also a big believer in SAP in principle and work with it every day. I’m familiar with price fluctuations in individual stocks. I was just wondering how long the sideways movement would last and whether I might miss out on returns during that time—hence the thought experiment.

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Zackdela79@Zackdela79

1Wk

But you won't have your stock losses offset by dividends...

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CatFlow 😼.@CatFlow

1Wk

@Zackdela79 Thanks for the heads-up; that makes me lean more toward holding onto it again.

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BoldTake@BoldTake

1Wk

A great company bought at too high a price… Personally, I’d use a savings plan to lower the purchase price🤔

The market is currently punishing anything that isn’t growing as fast as AI companies.

(Not investment advice🙂‍↔️)

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Marco@MarcoZ

1Wk

Things are looking bleak across the entire software sector right now. No matter how good the numbers from various companies have been, their stocks are being sold off. I don’t see any positive momentum at all right now, even though I think SAP, for example, is a good company. That’s why I sold Adobe at a loss a few weeks ago—not because it’s a bad company, but because the market currently sees no opportunities for the sector. If you can use the loss for tax purposes anyway, I’d do that right now. But I believe that some of these companies will eventually make a strong turnaround.

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Julien@HappyJulienDay

1Wk

I'm down 27%, and my plan is to hold on to it and buy a little more once it hits bottom. How are you guys doing with SAP?

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trade_samurai_1638@trade_samurai_1638

1Wk

@HappyJulienDay I'm still well in the black because I bought a few SAP shares with my first earnings back in the '90s (along with Cisco). A few years ago, I made a larger follow-up purchase at €100, which raised my average cost basis. It was my largest single holding in February of last year, but since then it has unfortunately lost more than 50% of its value; nevertheless, it’s currently up 95% (excluding dividends). SAP is and remains a core investment for me. I don’t believe that AI will be able to challenge SAP HANA’s market position in the foreseeable future. It’s already in place at so many companies, and the switching costs are enormous... I’d definitely add to my position at €120 if I had the cash.

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Smudo@Smudeo

1Wk

First purchased in 2026. Position fully held

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Steppenwolf66@Steppenwolf66

1Wk

Things should be looking up again by the end of the year, so I'd wait and see.

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Smudo@Smudeo

1Wk

Hold on to it and keep buying more—it'll make you happy in a few decades.

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SteelDiv@FinSteel

I'm just starting to build up a position. My thinking is: Unless the whole market crashes soon, software stocks—and SAP along with them—will go up again :)

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