16H·

Portfolio for early retirement?

Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.


First of all, my situation:


I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.


I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.


I follow the following strategy: Buy & Hold


What do I invest in each month?


I also save through VL benefits:


All dividends from all securities are reinvested in $TDIV (+0.12%) .


This brings me to a total of €536. A crooked figure, that's true, but it works best for me.


The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.


My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.


I'd be interested to hear your opinion on this in the comments!

19Positions
€7,105.52
0.16%
6
2 Comments

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I like the depot.

$IWDA and $EIMI is a solid basis for a portfolio :)

$SMEA You can do it, but you don't have to. If you want to actively overweight Europe it's ok :)

The only point of criticism for me are the positions below 100€. Especially if you only bought them as a one-off purchase and didn't actively continue to save. What do you want with 78€ in McDonald's if the portfolio is worth more? I would sell them all or continue to save them if you want to keep them.
1
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@Snopy Thanks for your feedback! I would like to continue saving at $SMEA, but I'm not sure about the weighting. A little less Europe and divide the rest into $IWDA and $EIMI? You're right about the small positions, $MCD in particular is already small as a single position, and I'm not sure whether I want to increase it. Apart from my mini crypto positions, I would like to increase the rest from time to time
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