5Mon·

Hello everyone,

I recently started my first job (3 months ago) and have been thinking about a savings/investment strategy. Could you please comment on it (also constructively negative) so that I can learn from your shared experience?

I specifically tried to make the strategy a bit more risky/risky as I think I should do that as a young person to get slightly better returns.

Specifically:

Is there anything else I should add/change?

21 Comments

Dividendenopi👴@Dividendenopi

5Mon

I'm a fan of dividends and of course $BATS, but they don't really fit in with the rest.

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profit_pilot_274@profit_pilot_274

5Mon

@Dividendenopi That was also somewhat the idea of adding a more classic/boring element to the more progressive and speculative elements, and one that pays a dividend of just under 9% per year. Or what would you prefer?

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Dividendenopi👴@Dividendenopi

5Mon

@profit_pilot_274 ok, that puts your approach into perspective. And since you won't get any dividends otherwise, you can use up your allowance sooner or later. I personally like BATS, am happy about a stable and boring performing stock and see no reason to take it out of my portfolio at the moment

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Julian@MoneyISnotREAL

5Mon

$LYPG & $BATS I would cancel. Split the money between the others.

At $UST... one reason why synthetic & place of issue "Luxembourg"?
I would rather prefer physical & Ireland.

The rest looks solid.

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profit_pilot_274@profit_pilot_274

5Mon

@MoneyISnotREAL Thanks for your tip, I will indeed change my savings plans! May I ask what speaks against the Luxembourg location and synthetic? I had read up on this and the ETF I chose had a very low expense ratio and one of the best historical performances, did I miss something?

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Julian@MoneyISnotREAL

5Mon

@profit_pilot_274 I prefer Ireland as a domicile because of the tax treaty with many countries, especially the USA.

With synthetic, you also have a counterparty risk, but this is not (likely to be) particularly high.

That's why I prefer physical & Ireland.
But that doesn't mean that your choice is bad - I just wanted to ask your reasons.

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GAE@TheRealGAE

5Mon

I think you cover enough with the MSCI and the NASDAQ and should focus on those.

Instead of the other thematic ETFs, targeted investing in equities would be better. Most thematic ETFs are only good when there is a hype. After that they just flop ☺️

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profit_pilot_274@profit_pilot_274

5Mon

@TheRealGAE Thank you! May I ask which stocks you are specifically investing in right now? I'm finding it a bit difficult and think that I can do less wrong with ETFs (especially at the beginning).

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GAE@TheRealGAE

5Mon

@profit_pilot_274 Among other things, I want to invest in things that I believe in or where I am convinced by the figures.

For example, this is $UCG or $NVDA

But also in $JPM.

Mobility will keep us busy and I am focusing on manufacturers who do not neglect hydrogen such as $DTG or $7203, but also the manufacturers of electrolyzers such as $NCH2 (I believe that the bottom has been reached)

In terms of tech, besides Nvidia there is also $RELX:D

But there are a few others like $IVSB or $FNOX

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Kai@Dividenden-Sammler

5Mon

I would leave out the sector ETF and save the extra €200 in the MSCI World instead. Reason: you already have tech in the MSCI and also the Nasdaq100 (but I prefer a physical one) - so you don't really need the tech sector ETF any more. Quite apart from that, I don't really think much of sector ETFs.

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profit_pilot_274@profit_pilot_274

5Mon

@Dividenden-Sammler Thanks for your tip, as several people have suggested this I think I will do it. Would you leave out both India and the Tech ETF and shift into Msci World? So just 200 more in Nasdaq and Msci World?

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Kai@Dividenden-Sammler

5Mon

@profit_pilot_274 would leave the India ETF.
1. currently an interesting country to invest in - compared to China also a democracy like the industrialized countries; furthermore an economically emerging power in which the population is slowly becoming more prosperous and is also the most populous country in the world.
2. as a counterweight to the industrialized countries that you cover with the MSCI World. An alternative to the India ETF would be an EM ETF.
In terms of allocation, I would invest more in the MSCI World. Put €150 more into the MSCI World and the remaining €50 into the Nasdaq - at least that's how I would do it

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PhiKi@PhiKi

5Mon

Have you really looked into the companies? In principle, you can do it as planned. Personally, I have a savings plan on various ETFs. At the same time, money is sent to my account every month. Depending on the price etc., I then buy individually. Perhaps that would also be an option for you? ETFs as a basic building block give you a little more security and are certainly not bad, especially at the beginning. (As long as you make less than 1000€ profit per year, take distributing variants of ETFs).

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profit_pilot_274@profit_pilot_274

5Mon

@PhiKi I think this is a very good idea, I only buy ETFs apart from BAT, and I have studied the company relatively closely. May I ask which companies are currently high on your watchlist?

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PhiKi@PhiKi

5Mon

@profit_pilot_274 if you look at my profile you will see all my stocks, except for a few missteps like Walgreens and Bayer, all of them are generally on my watchlist. I don't buy BAT as such, as it already makes up a large part of my portfolio. (Unless the price goes down a bit again/ towards 30€) Otherwise, my favorites for the next 2 months are currently Samsung and DHL on my watchlist. Since last month, I have been working on building up a small cash reserve so that I can buy in the event of a sharp fall in the share price. I don't have any Nestle shares at the moment, but they may be added soon. I would like to increase my position in Daimler Truck. Here, too, I am waiting to see what happens.

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PhiKi@PhiKi

5Mon

@profit_pilot_274 PS: I had somehow overlooked/ misread the ETFs at the beginning.

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Paul@Pzjs

5Mon

First job with a savings rate of 1,400, respect.
$BATS I would find your consideration really exciting, especially the weighting in the portfolio.

Otherwise, everything has been said anyway.

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profit_pilot_274@profit_pilot_274

5Mon

@Pzjs My idea was that $BATS is relatively cheaply valued with a P/E ratio of <10 compared to the other tobacco companies, that they have a dividend yield of just under 9% and, as an English company, are exempt from withholding tax, which in my opinion makes them more attractive than dividend companies from the USA or Switzerland, as you have to pay withholding tax here. The background to the rather high proportion of 300/1400 was that the rest is relatively volatile (except for the MSCI World), and I thought that I would like to make "faster progress" with the dividends I receive.
But thanks for your feedback, I think I'll ditch the thematic/niche ETFs and move the money to Nasdaq and MSCI-World.

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Dominik@finanzwolf3

5Mon

I completely agree with the others. In particular, I would take out $QDV5. I would prefer an emerging markets ETF as an admixture and I would not weight $BATS so highly.

I also need to make some adjustments at the moment, as until recently I tended to buy individual shares and only have a small ETF allocation. I now want to gradually change this by investing significantly more, especially in $IWDA.

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profit_pilot_274@profit_pilot_274

5Mon

@Dominik_Finanzen Thanks for your feedback! The idea with India was that I thought I might get one of the "better" parts of the emerging markets, as there are some countries in the overall ETF that I wouldn't like to have, e.g. China/Brazil, and Russia and Ukraine(?) were also part of the ETF...
IWDA higher priority for you than Nasdaq 100?

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Dominik@finanzwolf3

5Mon

@profit_pilot_274 Yes, definitely. Weight IWDA more. The companies from it also have a significantly larger share of the capital market. However, I am also maintaining EM as an admixture. However, I only started this last month.

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