1D·

Portfolio presentation and assessment

Hello getquin community,

I would like some feedback on my portfolio!

I am 35 years young, no partnership, no children. I saved a lot early on in my life and made one or two investments back then, mainly with my house bank.

Among other things, this enabled me to finance a two-family house. The financing has been covered by the tenants since a major renovation.

A few years later, I managed to acquire another larger property on the open market. Here I also completed the financial optimization, so that I can finance the property well despite a larger residential part, which I am still converting for myself. Accordingly, capital is still needed for the conversion work.

The aim now is to build up equity again and to build up another financial pillar alongside my secure professional situation.

That's why I started gaining my first experience in this area almost two years ago. The initial aim was to participate in the market in accordance with Gerd Kommer's book "Souverän Investieren mit Indexfonds und ETFs". In the meantime, I have continued to educate myself and also invest in one or two individual securities.

My idea here is, in addition to a savings plan on the $GERD (-0.21%) with € 300 per month, my idea is now to build up a solid and long-term portfolio with individual securities amounting to around € 1000 per month.

Even though the US has done very well in recent years, I would also like to keep other markets in the portfolio and am very happy with $1810 (+2.77%) and $1211 (+1.97%) very satisfied . Dividend stocks are not necessarily the focus, as real estate should take care of that in a few years' time.

I also don't want to hide two stocks in my early days $PLUG (+4.29%) and $SASK (+0.97%) . With the knowledge I have now, I wouldn't make any more investments and would rather choose more solid companies. I haven't sold any stocks yet and am basically a friend of buy and hold.

Crypto has not really been in focus so far and if it was, it would only be in $BTC (-0.4%) .

I would also like to take this opportunity to thank @BamBamInvest for what I think are very well presented contributions and assessments.

The aim is to have exceeded €100,000 by 2030 at the latest.

Do you have any criticism, improvements or other approaches?

9 Comments

I would sell Daimler, PayPal and Nu. In my opinion, these stocks won't really get you anywhere in the long term.

With China shares, you should always bear in mind that you don't really own the companies/shares legally, but ultimately the state. The possibility of buying Chinese shares is more of a sham than a reality; no Chinese court in Hong Kong will really protect you as a foreign investor.

The Gerd Kommer ETF is basically okay, but it still has to prove itself. For me it is the absolute minimum that an investment outperforms the MSCI World in the long term (which is NOT yet the case), otherwise I see no reason not to invest directly in the MSCI World or the S&P and wait and see.

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Tenbagger2024@Tenbagger2024

@TechNav
Why don't you see any potential at NU Holding?

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K@TechNav

@Tenbagger2024 Because he got in at around $12.50. The stock does not justify a P/E ratio of 30 either by profitability or solvency. The company is constantly issuing new shares, which dilutes existing shareholders. Moreover, they have not yet shown that they can generate a positive free cash flow; the free cash flow margin is around -70%.

The analysts themselves currently only see a price target with around +15% potential. And for all those who are interested: Warren Buffett, i.e. the "friend" from your profile picture, has completely liquidated his position and shown the company the door.

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Tenbagger2024@Tenbagger2024

@TechNav
Buffet has said goodbye to some positions.
Ken Fisher is still invested in NU.
And with 30% earnings growth, I wouldn't overestimate a P/E ratio of 25.

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Charly@FinanzPapa

Wow Stefan, really strong portfolio for the short time since October!
Xiaomi and BYD have really delivered - congratulations on the timing! And with the Gerd Kommer ETF, you've also added a stable base to your portfolio. The mix of growth and broad diversification is a really good fit.

I'm curious to see how you continue to build up - perhaps one or two dividend stocks as an addition?
Continued success and strong nerves in volatile times! 🚀📊💰

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BamBamInvest@BamBamInvest

Danke ☺️🙏

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BamBamInvest@BamBamInvest

22H

Since you have almost all of my companies in your portfolio, I can hardly say anything bad about them 😂. Basically, I don't think the selection of individual stocks is bad either, although I would sell part of the automotive sector and personally focus more on autonomous driving. But I find Xiami and BYD exciting and I already had them myself. I would part with Daimler. You still have to explain why Gerd Kommer and no world ETF 😁, here I would rather take an Allworld or a combination of MSCI World + MSCI EM IMI. (I do the same in Austria for myself and my children in the form of an insurance solution, by the way) Basically, the stock selection is of course up to you, I personally try to keep it lean in order to be able to act faster and keep a better eye on the companies. ✌️ Otherwise you seem to have done everything right with the property. Keep up the good work 💪

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Stefan@Spielwiese

19H

I was actually on the sidelines for a few years and honestly didn't dare to invest. One of the reasons for this was that my parents were not well-disposed towards the stock market. 😅 I had already had good experiences with the real estate market.

In the end, Gerd Kommer convinced me to invest. That's why I want to expand the position and keep it in my portfolio as a relic. Incidentally, I may lose some performance during an upswing, especially if the states are doing well, but I won't lose quite as much if there is a crash.

I would like to thank everyone for their feedback and will look into selling one or two positions again.

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BamBamInvest@BamBamInvest

16H

@Spielwiese It's all legitimate and your money ☺️ Everyone has their own investment strategy and you at least have one 😁, there are many people who don't have one. Keep up the good work 👍 But if you invest in individual stocks alongside the Kommer Etf, I wouldn't let it get out of hand and limit the number of individual stocks so that you can follow them well and don't overweight them so that you don't lose your nerve in downward phases. But you will know your risk tolerance better, the important thing is to draw conclusions and not make the same mistake twice ✌️

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