2Mon·

Presentation of my portfolio

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

$D6RM (-0.04%) Deka DividenenStrategie - €100 per month.
$CSPX (-0.1%) Ishares S&P 500 - 50 €/month
$VWCE (-0.24%) Vanduard FTSE All World - 50 €/month
$BRK.B (-0.06%) Berkshire Hathaway B - €50/month
$SMEA (+0.15%) Ishares MSCI Europe 50 €/month
$VHYL (+0.13%) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (+2.42%) , $AMZN (+0.09%) , $AAPL (-0.42%) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (-1.33%) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (-0.09%) buy.

Should be removed from the portfolio:

$TGT (-0.16%) Target
$NKE (+0.11%) Nike
$D6RF (-0.02%) Deka Umweltinvest
$DEDG (+0.16%) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

17 Comments

2Mon

In any case, I think it's good that you want to part with the whole DEKA series. I am not known here as an absolute fund/ETF specialist. But even when I was a banker, I can't remember any DEKA funds standing out for their extraordinarily high returns.

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Snopy@Snopy

2Mon

@Multibagger The problem with deka funds is the high cost of 1.5%.

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Chris@Multibagger

2Mon

@Snopy I actually have no idea about the current fee structure because it doesn't interest me in the slightest. But high costs have always been a problem. There used to be front-end loads of up to 5%.

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Julian@MoneyISnotREAL

2Mon

@Multibagger They still exist today 😅 Deka funds are usually in the range of approx. 1.5 - 2% management fee p.a., plus 5% front-end load (via house bank).

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Stefan H.@Gifted

2Mon

Every day that you continue to hold these DEKA funds instead of shifting the volume into one of the perfectly reputable investments (e.g. $CSPX or $VWCE), you lose a good part of the achievable return, and thus effectively money.

Instead, you are supporting an antiquated system of commission-based financial advice with absurdly high implicit product costs, which only exists in this form in Germany because it still has the aura of supposed security due to the population's lack of financial education.

Emancipate yourself from this myth and start making your assets work for you instead of DEKA and its 'advisors'!

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Dividendenopi👴@Dividendenopi

2Mon

@Multibagger You can't devalue all DEKA funds across the board. There are enough underperformers, but some of them still performed well in comparison. I agree that the two funds in question can be removed. The questioner should benchmark the larger positions. I can say less about the costs, I am aware that DEKA has its price

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Berkshire_Janaway@BerkshireJanaway

2Mon

@Multibagger Thank you for your feedback. Tomorrow morning I will at least divest myself of the two Deka funds mentioned.

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Kai@Dividenden-Sammler

2Mon

I can only agree with @Multibagger. I would also look to sell all Deka products and stop any savings plans that still exist. Reason: as Deka products are mainly actively managed funds, the annual fees are relatively high and there is usually an additional surcharge when you buy them. In addition, they only have a mediocre return and in the vast majority of cases they do not beat a comparable index. Here you are better off with a passive ETF.
I would also consider using either the FTSE AllWorld or the S&P 500 ETF. You don't really need either of them - in my opinion, both are suitable together with an MSCI World ETF as a basic/core investment. In addition to the ETF, you can also take the High Dividend ETF from Vanguard if you want some cash flow.
If it were my portfolio as it is now, I would put a maximum of 2 ETFs in there and a few individual stocks that you would like to have in addition.

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Scaramouch@Scaramouch

2Mon

Well, if he deliberately wants to overweight the USA, then an S&P 500 makes sense as an admixture and yield booster for an All-World. I just don't understand why a $SMEA is being used at the same time if the above plan is being pursued.

Why would you invest in a FTSE All-World together with an MSCI World?

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Berkshire_Janaway@BerkshireJanaway

2Mon

@Scaramouch I had the same thought.
I will continue with my FTSE All Word and further strengthen the focus on the USA (S&P) and Europe ( $SMEA ).

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Berkshire_Janaway@BerkshireJanaway

2Mon

@Dividenden-Sammler Thank you for your feedback

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Scaramouch@Scaramouch

2Mon

@BerkshireJanaway The proportion of Europe in the FTSE All-World is 15.29%. By weighting to the USA and Europe, you only manage to weaken the Asian market in the ETF. This is at 16.76%. In addition, the $SMEA cushions your return in the long term. Too many cooks spoil the broth. If you think Europe will generate a better long-term return than the US, I would keep the $SMEA. Otherwise, get out and put it in the All-World or S&P 500.

But the important thing is that you feel good. Nobody knows the perfect approach ✌🏼

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Kai@Dividenden-Sammler

2Mon

@Scaramouch no, that's not what I meant - I would either take one of the 3 (MSCI World, FTSE Allworld or S&P500) as a core investment. Even though the S&P500 is made up of US stocks as you rightly said, they still generate their revenues globally. These stocks also make up the majority of the weighting and performance in the other two indices. That's why I would have no problem betting on them instead of an MSCI World or FTSE Allworld.

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Scaramouch@Scaramouch

2Mon

@Dividenden-Sammler Then I must have misunderstood. That makes sense 👍🏼

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Julian@MoneyISnotREAL

2Mon

Sell all the Deka funds and invest in one or two ETFs of your choice 🚀 The fund fees eat up everything. In addition, Deka's custody account costs are expensive compared to alternatives on the market (doesn't necessarily have to be a neo-broker).

It's best to do the math yourself with an interest fund calculator. ETF & fund same return.

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Maximilian@Maximilian_GHG

2Mon

A lot has already been suggested to you about ETFs and equities. All I can say about crypto is that BTC is of course a good position that should be included in every portfolio. However, I would not buy at 100k, as you have planned, but wait until the bull run is over. (Probably at the end of the year) Make yourself smart, watch various videos and gather opinions from reputable sources. I think that BTC will end up at 70-60k again. Then it's best to create a savings plan and just let it run. I would also strongly recommend that you get a hardware wallet. I have one from Ledger. Your coins are absolutely secure and cannot be stolen by hackers or phishing. Here, too, you should inform yourself again. I would refrain from altcoins for the time being. Start with BTC to get a first feel for crypto.

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Berkshire_Janaway@BerkshireJanaway

2Mon

@Maximilian_GHG Thank you for your feedback. As you rightly say, I still need to familiarize myself with the subject matter. By the way, at the top of the text I meant under 100,000 USD and was aiming for 70k. I'm curious.

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