2Mon·

Small update

A year later, a lot has changed in the portfolio - not just a year older 🫣 😉

My strategy is now a core satellite strategy. Whereby the core ($VWCE (-0.84%) , $TDIV (-0.54%) and $EIMI (-0.53%) is). The satellites are a mix of $BTC (-1.33%) , $EWG2 (-1.84%) , $SSLN (-3.22%) and momentum models such as $DE000LS9U6W1 (-2.96%) and $DE000LS9VVV3 (+1.53%) . I have currently stopped my savings plans, as I have added to them over the last few months when prices were a little lower. And I am currently 85% invested with my assets. However, I would like to invest another €5k in the momentum models, which are already on the broker and limit orders have been set (so that I reach roughly 10% with the momentum models). In addition, my plan with $BRK.B (+0.55%) has not worked out at the moment, as I still have a loss pot of just under 700€. So I'm still holding on, and as soon as that is reached, the amount will be invested in the other positions.

✌️

HyperX

@AxoWallStreet

1Yr·

1st milestone

I'm 26 years old and have been working for 8 years, but have only been investing for just under 4-5 years. Let's see how it goes and when I'll be back under six figures, probably won't take that long with the rollercoaster ride 😅

Feedback on the portfolio is also welcome. :)

6 Comments

2Mon

Very nice development 🚀 52k growth (of which 15k through share price gains) in one year is also really strong 💪🏼

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Julian@MoneyISnotREAL

2Mon

Nice development of your portfolio and your approach 🚀 If I understand correctly, you are now 27 years old and with this portfolio and especially with your financial knowledge, your financial hygiene, you are miles ahead of so many other people ✌️Respekt for this achievement!

I find your portfolio very clear, yet clearly structured. You say that you are invested with 85% of your assets - is that why you stopped the savings plans, to keep an 85-15 weighting in the level 1 allocation?
Or what is the reason for the savings plan stop?

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HyperX@AxoWallStreet

2Mon

@MoneyISnotREAL

My starting position:

Nest egg: approx. €10,000 (untouched).

Call money: approx. € 6,000 (flexible).

Investment capital: A further € 10,000 is already in the custody account.

Fixed costs/lifestyle: Vacation and concerts for this year are already fully paid for.

My current plan:
So although I am liquid, I have decided to pause my ETF savings plans for the next 3 to 4 months.

Why am I doing this?
As share prices have risen very sharply recently and my invested share of total assets is already quite high, I currently feel more comfortable with a little more "dry powder" on the sidelines.

I am aware that time in the market usually beats timing the market. But for me, the psychological aspect is crucial:

If prices start to drop again due to news or market fluctuations, I want to have enough cash on hand to buy in boldly. This gives me a much better feeling than being fully invested now at all-time highs and only being able to watch when prices fall.

In the end, the best strategy is the one that you can stick with even in turbulent phases.

And for me that currently means: first of all, increase the cash ratio slightly and wait and see.

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Julian@MoneyISnotREAL

2Mon

@AxoWallStreet Looks like a solid set-up. I handle it similarly, i.e. the nest egg is a fixed amount, not a percentage of the custody account. Otherwise, everything is invested and as soon as cash comes in, it is invested.

For me, it's actually the other way around: savings plans are run through stupidly so that I don't have to constantly make a new decision: "Do I buy today or tomorrow?" or "If only I had bought yesterday ...". Because I continue the thought: at the beginning of 2024, the statement "AI is overvalued, the crash is coming" was already everywhere. If I had let myself be tempted by this, my ETF would not be up over 30% today. A crash is sure to come at some point! Whether tomorrow, the day after tomorrow, in 5 months or 10 years - nobody knows. However, I only invest in the broad market and that is my assumption: It will be higher tomorrow than it was yesterday, so yesterday was the best time to buy. I have realized that it is better for me that I no longer want to make this constant consideration and buy/sell decision. My savings plan is set up and so I have already made the decision for future investments. Topic mentally ticked off. 😊

The best strategy is the one that doesn't make you panic sell at the bottom of the valley and that you stick with over the years through all the turbulence. That doesn't mean it will change with the passage of time.

You have made an emotional decision (cash for crash). When making your decision, you should also consider the issue of "oppertunity costs, inflation". Arguing with facts, studies, etc. would be useless, because you have opted for your psyche, not for the theoretically rational approach. ✌️ This realization and admitting it to yourself is also a big step!

With a portfolio volume of 100k, your savings rate will move the portfolio less than it did 3 years ago anyway. Try it out and take stock of how it went for you after 3-4 months. Maybe you'll change your approach or maybe you'll be super happy with it and continue to do so. There is no "one way", because everyone has different demands, ideas, emotions and expectations! That's why I find the psychology of the stock market so exciting.

I wish you continued success for your investment future and thank you for sharing your investment journey so far. ✌️

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Endurance@MozartsGeist

2Mon

I agree, good positioning and in retrospect you did a lot of things right. Activate a savings plan and stick with it with patience, even with drawdowns > 20 %. Nest egg! Life situation/goals must always be considered individually!

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Jigglypuff@Jigglypuff

2Mon

Beautiful portfolio 👏🏻

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