My portfolio improvement criticism Please let me know

Hello, GetQuin community. I have been a silent reader for quite some time now and wanted to share my portfolio with you.

First of all, I am M22 and started investing in the market in 2020 with small amounts. I currently still live at home with my parents. I have a completed apprenticeship, but I decided to catch up on my A-levels to be able to study. I also have a part-time job.

My savings rate is therefore only €300 a month
100€ goes into a call money account as a reserve
200€ goes into my savings plans which I list below

My strategy is a classic core-satelite strategy to build up a small fortune for the future.

The core therefore consists of 4 ETFs which I invest in monthly as follows:

60€ $XDWD (+0.33%) MSCI World ETF to cover the most important companies from developed markets.
25€ $EIMI (+0.16%) MSCI EM ETF to also cover emerging markets.
20€ $XDWT (+0.35%) as I would like to invest more specifically in the IT sector, because I think that this will continue to experience major growth in the future.
20€ $SAEU (+0.27%) I specifically wanted to save in this ETF to increase the European share and because I am very convinced of the weighting of the companies.

Now I come to my individual shares in the savings plan:

10€ $LIN (+0.3%) Linde convinced me very early on, and not just because I deal with them every day at work. Good growth and, in my opinion, a strong future.
10€ $PG (-0.49%) Strong products, my daily companion in the care and household sector.
10€ $DHR (+1.43%) My favorite in the life science sector, I think Danaher will be back in the future.
10€ $DTE (-0.64%) As a German company, I can no longer imagine telecommunications without it.
10€ $DE (+0.54%) John Deere is an emotional investment (🥹) I was already a big fan of Deere machines as a child. Today still a progressive company in my opinion.
10€ $NKE (+1%) Fundamentally a very successful company, I am a fan of the company history and the shoes, think that Nike will sooner or later return to its former strength.
10€ $WM (-0.54%) Waste disposal and recycling are becoming increasingly important, environmental solutions are a big issue. Why not WasteManagement?
5€ $CSCO (+0.64%) Big player in the field of cybersecurity, which is becoming increasingly important. I am convinced of the company.

I also hold shares in a few other companies, the reasons for which are described below:

$SHEL (-0.57%) I bought some time ago, important and large energy company. I will continue to hold them in the future.
$NESN (-1.24%) I bought them back then and am now just waiting to be able to sell them at a positive price.
$NU (-0.09%) I am convinced of the company, I think that Nu will have a successful future.
$O (-0.18%) I only save Realty Income through the cashback offer from TR, simply to get a few monthly dividends for a good feeling.

I don't save my cryptocurrencies monthly. I started putting a super small amount into Bitcoin early on. I just leave it to work.

$BTC (-1.16%)
$SOL (-0.89%)

I would now appreciate a little feedback, criticism and food for thought.

Thank you very much

Hendan@Hendan

Hi, are you considering the trading fees when buying such small amounts of so many assets? They could eat a good portion of your yields. For example one of my broker has a fixed fee for every purchase of 0,99€. If you apply this to a 10€ investment it would mean that you're already 10% in the red with this investment. Plus your broker may have annual fees which are calculated as a percentage of the investment.
Don't get me wrong, I would like to invest in a lot of companies as well, but due to this aspect I focus on one company per month. Try considering that

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Husar@financial_guru_2493

@Hendan Some Brokers are free of 'fees', spread only

domeworld@domeworld

@Hendan Hi, thanks for your comment! At TradeRepublic, savings plans are free of charge. For individual purchases, I pay a €1 fee, so I’m trying to minimize that in the future.

Michael D.@Angstundbange

Danaher and P&G could head north soon, good companies. You can never go wrong with Linde. Bitcoin is also ok. As a young person, I wouldn't put Shell in my portfolio. Personally, I miss Alphabet or Microsoft. But otherwise very solid.

@Angstundbange Many thanks for the assessment! I still have Alphabet on my watchlist. But why exactly no Shell?

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11H

@domeworld Shell is a good company, but not a yield driver. But if you feel comfortable with dividends, there is nothing to be said against it. But remember that dividends are not a gift, the share always falls by the same amount when the dividend is paid.

My portfolio - improvement, criticism? Please let me know.