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?
- $IWDA (+0.12%) 234€ per month
- $EIMI (-0.27%) 90€ monthly
- $SMEA (-0.12%) 70€ monthly
- $EWG2 (+0.39%) 65€ monthly
- $BTC (+1.97%) : 42€
I also save through VL benefits:
- $VHYG (+0.4%) 35€ per month (13.29 AG share)
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!
