Hello dear community,
This is my first post on Getquin. Nobody knows me, nobody knows my portfolio or my background. Therefore, here is a short introduction of me.
Who am I?
I am Malte, 23 years old, work full-time in a medium-sized company, have a Bachelor's degree in Industrial Engineering and am currently doing my Master's in Applied Data Science.
How long have I been on the stock market?
I started investing in 2022, but made a lot of mistakes right at the beginning. Derivatives, knock-outs, holding individual stocks far too short, etc. In total, I lost around 3000 euros as a result.
What has changed?
When I received a full salary for the first time (April 2024), I woke up. I read the biography of Warren Buffet, the book "The Richest Man in Babylon" and other books and realized that there is no such thing as quick riches.
At that time, a lot of things changed in my family, so I had to move out of my home on October 1, 2024. Everything I had managed to save by then went on the move and furnishings, and hardly anything was invested. The money that was left was in the call money account. The result: 2 years on the stock market, 3000 euros loss. Ouch
What happened next?
I closed the portfolio and opened a new one with Scalable to start from scratch. The first step was to set up a savings plan on the $VWRL (+0.04%) was created. This has been running continuously since then with 200 euros every month. I had had enough of individual shares for the time being. Another 250 euros went into the call money account every month. I can't put any more money aside at the moment, as the tuition fees of 500 euros per month are really restricting me.
On April 1, I received a tax refund from the tax office, which I paid 1:1 into the deposit. I was able to use the money to buy 12 $GOOGL (+0.77%) at 154 euros. The investment was intended to be long-term and I opted for Alphabet purely because of the extremely high cash flow. The slump in the share price due to the Trump tariffs came in handy.
I also decided on 01.08.25 to jump on the bandwagon. $BTC (+2.36%) to jump on the bandwagon. However, as I'm not good at dealing with high volatility and therefore don't want to make individual purchases, I've set up a savings plan that invests 25 euros a week in Bitcoin. This way I hope to build something up in the long term.
My strategy for the future:
Growth:
I enjoy trading individual stocks and would like to add a maximum of 10 individual stocks to my portfolio in the long term. I will buy these when the money is available and I have found a sensible investment (as with $GOOGL (+0.77%) the financial situation of the company is decisive for me, not hype or anything else). In return, an additional 100 euros will be transferred to the custody account as cash every month from 01.01.2026 and 300 euros every month from 01.10.2026.
The savings plan on $BTC (+2.36%) will also remain. I have no plans to increase the amount here. I'll treat the money as if it wasn't there. If the BTC price reaches 1,000,000 euros at some point, I'll be happy; if not, it won't be too painful a loss.
Foundation:
The $VWRL (+0.04%) remains as the foundation. The savings rate will be increased to EUR 500 every month after completion of the Master's degree on 01.10.2026.
Pension:
I have decided to do something specifically for my pension. To this end, from 01.01.2026 I will invest 100 euros every month in the $VHYL (+0.5%) invest. The savings sum will be increased by 50 euros every 5 years. In a conservative scenario, this will give me a gross annual dividend of 33,000 euros by the time I retire, which I think is quite nice.
Conclusion:
I hope that I can build something up in the long term. I might be able to significantly increase my savings rate by increasing my salary after my Master's degree, but we'll see.
Don't forget the one $MCD (-1.4%) share in the portfolio, that was pretty much my first share and I can't really part with it hahaha.
My goal for the end of 2026 is to have 10,000 euros in my portfolio.
I'll keep you up to date.
I would be delighted to hear a lively exchange in the comments!
