1Yr·

Moin friends,

also here a beginner portfolio. At the beginning I let myself be guided a bit by Finfluencer (but it's also hard not to do that 🙈).

Currently are saved by standing order:

$BTC (-0.98%)

$VYM (-0.13%)

$VWRL (-0.52%)

Hope I have the right marked.

And from May, because of a change in the cell phone contract, I will still save the difference in:

$O (+0.72%)

pack.

The savings rate will also be revised in April/May. The goal is to save the majority of the ETFs and to expand my nest egg.

In the long term, the goal would be to be able to pay an allowance to the potential offspring :)

Or something more for the pension then.

Let's see what you say.

I started in March 2022, so a year ago.

Check out my Dashboard now!

14 Comments

Epi@Epi

1Yr

I think it's great how you consciously plan your finances and manage the portfolio! The portfolio itself looks solid, well diversified, but should not bring any special returns, DivEtfs and trend stocks. Diversification across asset classes is missing and a clear strategy is also not yet recognizable. There is certainly something that can be done.

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Seed92@Seed

1Yr

Hi @Epi, thanks for your feedback :) Of course you are absolutely right about the diversification. Where I do myself with individual shares really hard currently. But I think that changes with time. I already looked at <security:n/a:NL0000388619> and $NOVO B. Possibly I start there times a savings plan in May.

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Epi@Epi

1Yr

@Seed Individual stocks are one thing. What analysis method and metrics do you use? What is your risk-adjusted weighting? Just picking up a few well-known stocks and holding them until panic doesn't cut it. That's one of the main reasons for ETFs. They save you the work and the risk.

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Seed92@Seed

1Yr

@Epi so would you suggest that I get into asset ETFs?

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Epi@Epi

1Yr

@Seed I would suggest you, like everyone, to think about the different portfolio strategies and then consciously choose one that fits your own life plan (FF, pension...) and your own psyche (risk-affine, risk-averse). Most here know only the alternatives Zockassets, DividendShares, WorldETF, maximum in different combination. But the world of strategies is much bigger, more profound and more elegant. I mention only a few keywords: Levermann, Lynch, Ray Dalio's all-weather portfolio, Golden Butterfly, Faber's GTAA. Very exciting!

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Seed92@Seed

1Yr

@Epi top, thank you :)

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Epi@Epi

1Yr

@Seed Here you go: https://mebfaber.com/wp-content/uploads/2016/04/GAA-Book-1.pdf

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Gerit@Gerit

1Yr

Through Finfluencer you have only found us, you just have to like in the parental home, just let go at some point! :D

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Seed92@Seed

1Yr

@Gerit that's right again 😂

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Anne@AnneS

1Yr

Is unfortunately private 😅

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Seed92@Seed

1Yr

@AnneS so @Epi got it right 😅. No idea what the reason is.

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Epi@Epi

1Yr

@Seed Magic fat finger! Not everyone has. 🤞

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Benjamin@master_ben

1Yr

Where do you bank bitcoin?

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Seed92@Seed

1Yr

@master_ben Moin, I do that with Trade Republic. So they are real coins, but you can't transfer them to your private wallet, at least not at the moment.

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