TB98 · 2024-04-24T09:16:43.831923Z

Hallo Zusammen, kurz zu mir: ich bin 26, Angestellter und nebenbei in der Vermietung und Verpachtung tätig/Sondervermietung. Den beiden Immobilien (Marktwert +\- 10%) stehen Kredite von nun mehr 329.000€ entgegen (nichts geerbt 😉). Zu 99% erweitert sich diese Verschuldung um bald weitere 150.000€ und das Immo Portfolio wächst wieder ein Stückchen. Dazu wird jedoch das Cash auf +/- 0€ fallen, da die NK selbst getragen werden. Ich wollte mal ein paar Anregungen und Meinungen zu meinem Portfolio. Hauptsächlich zum Thema Aktien, bin ja doch noch eher ein Neuling mit meinen ca 3 1/2 Jahren „Erfahrung“. Die ganzen „Meta-Wetten“ will ich noch verkaufen und vorerst im Cash parken oder in den $LOCK und den $XDWT ETF umschichten ($ANET, $KLAC , $CDNS , $SNPS , $QCOM und $SYNA). Danke!

@TB98

8Mon·

Hello everyone,

Briefly about me: I am 26, an employee and also work in letting and leasing/special rental.

The two properties (market value +\- 10%) are now offset by loans of more €329,000 (nothing inherited 😉).

At 99%, this debt will soon increase by a further €150,000 and the real estate portfolio will grow a little again.

However, the cash will fall to +/- 0€, as the NK will be borne by the tenant.

I would like some suggestions and opinions on my portfolio.

Mainly on the subject of equities, as I'm still more of a newbie with about 3 1/2 years of "experience".

I still want to sell all the "meta bets" and park them in cash for the time being or invest them in the $LOCK (+0.58%) and the $XDWT (+1.95%) ETF ($ANET, $KLAC (+0.7%) , $CDNS (+4.83%) , $SNPS (+2.84%) , $QCOM (+2.27%) and $SYNA (-1.64%)).

Thank you!

60Positions

€684,733.42

67.53%

27 Comments

Thetrendisyourfriend@Thetrendisyourfriend

8Mon

In your position, I would take out the real estate and focus solely on your securities when presenting the data, and enter the real estate in a different way. Portfolio looks good, although there would be too many positions for me and I can't identify the intended strategy.

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DonMassaBuanaEfendi@DonMassaBuanaEfendi

8Mon

@IIlIlIIlIIllIl I agree!

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Sebastian@Baso

8Mon

Hammer almost everything green.

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Tenbagger2024@Tenbagger2024

8Mon

There has been some negative news and downgrades for Arista, which is losing market share because there are probably better alternatives for data centers, such as Nvidia.
In addition, the CEO is leaving the company very spontaneously.
Synopsis and Cadence are like twins and almost share the market.
I don't think AI in smartphones is possible without Qualcom.

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Dividendensammler@DividendensammIer

8Mon

Top, what do you do as a special rental? We rent to fitters and have almost 150 beds in stock.

Students or also fitters or AIR BNB?

Mega cool at 26, I'm 25 and this year I'm also buying my first MFH privately / holding. Keep up the good work 🚀📈

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TB98@TB98

8Mon

@DividendensammIer also rent to fitters/commuters. 150 beds is an announcement 👍🏼. However, the next WHG will be rented out normally and will serve as an investment.
Well then, I wish you every success with your MFH.

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Dividendensammler@DividendensammIer

8Mon

@TB98 really good, thank you!

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DonMassaBuanaEfendi@DonMassaBuanaEfendi

8Mon

Great mix, many positions, beautiful watch 😎

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TB98@TB98

8Mon

@DonMassaBuanaEfendi Danke 👍🏼

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Cogito@Cogito

8Mon

I’d reduce the number of stocks. I’d focus on max 10 stocks operating in different industries and likely promising ones rather than dividend kings (at least till to reach a certain high amount). I agree with previous comment to remove the properties from your portfolio. Keep focused!

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Robin@Seifenschmeiser

8Mon

Looks mega, have you checked that your etfs do not overlap ? (Small optimization)

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Endwar@Sololeveling

8Mon

How do you make sure that the property is included? E.g. the WHG1 ?

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TB98@TB98

8Mon

@Sololeveling Add Portfolio - Alternative Assets - Real Estate, but unfortunately you can't deposit an opposing loan or similar, only equity and current value.

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Ben@Bart_S

8Mon

@TB98 If you could put credit against it, that would be really great. All that remains is the equity / estimated current value.

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Endwar@Sololeveling

8Mon

Danke

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Felix@Investor_in_Jogginghose

8Mon

@Bart_S You can create an item, e.g. "Immo1 loan" and send it to minus by the loan amount. However, it then remains as it is and does not change.

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Ben@Bart_S

8Mon

@Investor_in_Jogginghose Really? I'll have a look at that right away. You could certainly update it once a year 😉 - thanks

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Felix@Investor_in_Jogginghose

8Mon

@Bart_S but it's not the real thing either, because it distorts the overall performance.

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Ben@Bart_S

8Mon

@Investor_in_Jogginghose I couldn't find it either. Could only ever enter positive figures. Well...portfolio performance takes care of that 😅

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news03@user03

8Mon

What about the properties, are they rented out and do you make more of a monthly plus with the income or more of a minus by paying off the loans? I would be interested to know

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TB98@TB98

8Mon

@User03 the 3FMH is in the special rental paid the two loans and yields a good return. I live in the apartment myself.

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news03@user03

8Mon

@TB98 Wow, I think it's really great, maybe I'm planning to do it that way at some point, but as a student I'm still a long way off 😅✌🏻

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news03@user03

8Mon

@TB98 as for the portfolio I can only say that it would be too many small positions for me, I would sell everything under 1,000 and focus on a smaller amount of companies, but no advice just my opinion :)

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TB98@TB98

8Mon

@User03 I actually want to do something about it, so to speak, merging overlaps and umschichten👍🏼

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