4D·

Suggestions and criticism

puth1990 · 2025-01-17T10:03:46.065056Z

Moin Leute! Kleines umbauen meines Portfolios ist jetzt vollzogen. Habe mich dazu entschlossen Konsumgüter weiterhin beizubehalten und Positionen die über Jahre im Minus gehalten worden sind schlussendlich zu verkaufen. Halo und Freyer batteries bitte ignorieren, sind Altlasten, welche nicht mehr handelbar sind. $NOVO B $ASML $O $DHL sind stattdessen mit ersten Tranchen eingezogen, bzw aufgestockt worden. Der DAX bleibt auch weiterhin in meinem Portfolio, erhält aber eine Gewichtung zwischen 3 und 5 Prozent und wird fortan monatlich im Sparplan untergewichtet, stattdessen werde ich den NASDAQ 100 übergewichten. Auf meiner Wunschliste steht nach wie vor ganz oben $JNJ und $RAND . Meine Strategie: Bluechips nach value Strategie kaufen und dann halten. Im Idealfall sollten diese Unternehmen Dividende zahlen und diese kontinuierlich steigern. Meine Gedanken zu der Strategie: Aktuelle Konjunktur schätze ich anhand der BIPs in USA, etwas weniger dramatisch, in Europa aber so ein, dass wir in eine Rezession rutschen. Bei aktuell moderater Inflation werden in Europa weiterhin Zinsen reduziert, ähnliches auch in den Staaten, wenngleich langsamer. Zinssensitive Branchen mit Unternehmen die vllt sogar verschuldet sind, sollten dann gut laufen. Deshalb Versuche ich in Anleihen, Industrie, Gesundheitswerte zu investieren. Bei deutlichem Aufschwung Sparpläne in Techaktien wieder erhöhen. Welche Anregungen habt ihr ? Sind meine Gedanken falsch ? Setze ich auf die falschen Branchen ? Habt ihr "geheim"Favoriten? Was meint ihr zu $JNJ und $RAND ? Habt einen schönen Tag!!

Hi guys!

A small reorganization of my portfolio is now complete.

I have decided to keep consumer goods and finally sell positions that have been in the red for years. Please ignore Halo and Freyer batteries, they are legacy assets that can no longer be traded.

$NOVO B (+1.31%)
$ASML (+0.58%)
$O (+0.04%)
$DHL (-0.92%) Instead, the first tranches have been withdrawn or increased.

The DAX will remain in my portfolio, but will be given a weighting of between 3 and 5 percent and will from now on be underweighted monthly in the savings plan; instead I will overweight the NASDAQ 100.

At the top of my wish list is still $JNJ (+0.74%) and $RAND (+0.28%) .

My strategy:

Buy blue chips according to a value strategy and then hold them. Ideally, these companies should pay dividends and increase them continuously.

My thoughts on the strategy:

I estimate the current economic situation based on GDP in the USA, somewhat less dramatically, but in Europe that we are sliding into a recession. With inflation currently moderate, interest rates will continue to be reduced in Europe and similarly in the States, albeit more slowly. Interest rate-sensitive sectors with companies that may even be indebted should then do well. That is why I am trying to invest in bonds, industry and healthcare stocks. If there is a clear upswing, increase savings plans in tech stocks again.

What suggestions do you have? Are my thoughts wrong? Am I investing in the wrong sectors? Do you have any "secret" favorites? What do you think about $JNJ (+0.74%) and $RAND (+0.28%) ?

Have a great day!

6 Comments

I wouldn't focus on dividend stocks yes/no, that's far too early according to your profile picture. Unless you need the constant partial sale. But then why a savings rate....

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puth1990@Puth1990

@Madhatter5566 The aim is to actually hold fewer individual shares and only hold shares that I will theoretically hold for the rest of my life. These should be blue chips that also pay dividends.

To achieve a return, I use the msci world with an admixture of the NASDAQ 100. 3 percent of the portfolio is in Bitcoin.

My portfolio should achieve a long-term return of 6% p.a., with a div return of just under 2%.

With my savings rates, I am confident that I will reach my target of 50 to 55%.

Until then, however, I need a "low-risk" portfolio, as I am also financing a property and another one is due to follow in the near future.

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Harald@Madhatter5566

@Puth1990 If your goal is a pure 8% return, you could just invest in a world without any work and be fine. It does this without any headaches, stock picking or other nonsense. And there are also distributing world ETFs that pay out 1-2% per year as dividends. Which you then pay back in, which simply makes it a partial sale of a position followed by a purchase of the same position with tax. I think holding forever also makes more sense to take a world right away, as individual stocks are always audited. No purchase now is so future-proof.

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puth1990@Puth1990

My girlfriend has a classic portfolio consisting of 75% equities via msci world, 15% bonds and 10% gold. The portfolio is doing better than mine, with much less effort, that was her motto. However, that would be too boring for me. I would also like to get to grips with shares a little.

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Harald@Madhatter5566

@Puth1990 Investing money should be boring, otherwise it would be a casino.
But if it's for motivation, then it's three times better than not investing. Maybe you'll have all Nvidia positions later on. Who knows?

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puth1990@Puth1990

@Madhatter5566 I partly agree with you. But keeping interest high doesn't harm the motivation to continue saving and sticking to the goal.

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