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Get more out of my salary My deposit as an apprentice at a glance

Hey everyone 👋🏼

I'm 22, in my second year of training as a mechatronics technician for refrigeration technology and have been working intensively on the topic of investing for a good year now.

I currently earn around €820 net per month, although I usually earn more due to overtime and assembly work. It's not the world, but I wanted to learn early on how to make more from less. My goal is to reach the €10,000 deposit mark by the end of 2026.

I'm currently at just under €5,000, which is a pretty proud milestone for me.

📈 My savings plan runs at €100 a month - split into two versions. However, I usually try to invest additional small sums in individual stocks when opportunities arise or I deliberately buy more.

Why exactly these shares and ETFs?

I deliberately opted for a mix:

Long-term trend + future sectors

$IWDA (-3.61%) MSCI World (ETF): The solid basis. Broad diversification, global economy, buy & hold...no experiments.

$AMD (-10.01%) AMD & $NVDA (-6.14%) Nvidia: AI, chips, data centers the backbone of the digital future. Started getting in here early.

$ILMN (-3.47%) Illumina: Exciting biotech company in the field of genome research. Risk but also huge future potential.

$PATH (-10.71%) UiPath: For me, process automation is an often underestimated game changer.

$TTWO (-2.88%) Take-Two Interactive: Gaming has been with me for a long time. GTA6 is just around the corner. There's a lot of fantasy going on here.

$ALB (-7.74%) Albemarle: Raw materials for batteries (lithium) is another sector that can benefit greatly from e-mobility.

My strategy in the event of fluctuations:

I'm not a fan of panic or FOMO.

When prices rise: I rejoice but don't get cocky.

When it crashes: I take a deep breath, analyze and usually stay invested or stock up.

I learn with every setback.

I see my portfolio as my long-term project and not as a short-term gamble.

What investing has changed for me:

It may sound cheesy, but:

I've been spending money more consciously since then.

I think twice more often about whether I really need something and what it means for my goals in the long term.

And that feels good.

I'm excited to see how the next few months develop. 📆

And if any of you are pursuing similar goals or strategies - I look forward to sharing!

7Positions

€4,948.08

24.12%

4 Comments

Echsenkönig A.@Bezehgombjuderstimme

Congratulations on your portfolio. Stay on the ball and keep exactly this attitude. Always live well and save within reasonable limits. You will be successful in the long term and your personal well-being will also be good 👍🏻

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Investment_Inka@Investment_Inka

I wish I had started investing as early as you did. Even if you "only" save €100 a month, you'll be a winner in the long run. Time will simply play in your favor. So congratulations on that.😊 I'm still in my first year on the stock market and am taking a slightly more risk-averse approach with a mixture of momentum trades and long-term investments. I'm similar to you: since I've been on the stock market, I've become more frugal because every month I'm happy to have new capital that I can invest in exciting shares. In a way, investing has become a hobby😁

I only got into $ALB and $PATH yesterday because I consider both to be undervalued. In my opinion, $PATH is not yet really valued as an AI share and therefore has considerable potential, and with $ALB I am speculating, among other things, that the US government might get involved in the short term and that the demand for lithium will increase in the medium term and with it the lithium price and share price.

My set milestone is to reach +100% this year. Let's see if the stock market god will play along 😋 Good luck for the year-end rally and beyond.

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Simon@Simon_325

@Investment_Inka Thank you for the message!
I am firmly investing the €100
But I'm also putting another €300 aside €100 for spontaneous setbacks or corrections. 200€ for vacations and other big things.
I feel the same way about it.
I'm happy about every euro I have at my disposal :)
I wish you every success in achieving your goal and beyond 📈

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Charmin@Charmin

First of all, congratulations on getting started - that was the first important step. I like your choice and strategy. Your youth should also help you in difficult times: You can virtually sit out *anything* and don't have to worry about setbacks, but - provided nothing fundamentally changes in your shares - simply buy more.

Do this consistently for the next 20 or 30 years and with increasing savings rates, and you'll have a great life ...

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