The French stock market offers a large number of interesting stocks that are also very popular with investors.

Popular?

Well, yes,

Who wouldn't like LVMH, Sanofi, Air Liquid, Airbus, Safran, L'Oreal,

Essilor-Luxottica, Hermes, Danone, Pernod-Ricard and perhaps even more in your portfolio.

in the portfolio.

However, there are some hurdles and risks here.

On the one hand, we have to deal with the selection of stocks and the valuation and try to buy the stocks that we believe will rise in value at a favorable time.

Secondly, buying French shares is subject to French financial transaction tax (FTT) and 30% withholding tax on dividend distributions.

My optimization suggestion:

Instead of dealing with a large number of French shares and ending up doing everything wrong, I choose an ETF.

This has the following advantages, among others:

1 The individual share risk is spread.

2 Tax advantage for withholding tax, thanks to the double taxation agreement (see below)

3 Automatic rebalancing - the worst stocks are removed at regular intervals and new promising stocks are added to the ETF.

4 Low trading fees

Biggest disadvantage:

1 Most likely you will only achieve the average market return.

I have therefore opted for the Xtrackers CAC 40 LU0322250985 and will no longer buy French equities. Alternatively, the accumulating iShares MSCI France IE00BP3QZJ36 would also have been a good choice in my opinion.

Both ETFs offer a tax advantage, although you cannot avoid FTT. However, both Luxembourg and Ireland have a double taxation agreement with France. This means that the withholding tax on French dividends is reduced to 15%. Of course, this tax advantage applies not only to distributing ETFs, but also to accumulating ETFs.

I consider the already low TER of 0.2x% to be completely negligible, as both ETFs have had a positive TD for years.

In view of the weak performance of the current year, we could now be in a phase in which it could pay off to collect shares "cheaply" in order to benefit later from a higher personal dividend yield.

Conclusion:

I am selling LVMH and betting on the Xtrackers CAC 40 ETF to cover my entire exposure to France.

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$MC (-0.25%)
$AIR (-0.84%)
$AI (-0.22%)
$OR (-0.71%)
$RMS (+0.75%)
$EL (-0.22%)
$RI (-0.91%)
$DX2G (-0.23%)
$IS3U (-0.19%)

My portfolio shows a breakdown into different sectors and areas:

trade Republic: the shares and ETFs

scalable Capital : the gold

This is just the portfolio I want to hold for the next few years with a long-term savings plan. And if necessary, individual purchases where the opportunity arises, I think I am now quite well positioned or what do you think of the portfolio.

Stocks that I would like to hold for the long term

• Technology:
• 
  $MSFT (-1.05%) Microsoft,
• $AAPL (+1.34%) Apple,
• $GOOGL (+0.94%) Alphabet,
• $ASML (-1.59%) ASML
• $NVDA (+2.01%) NVIDIA
• $TSLA (-4.58%) Tesla

• Consumer goods:
• $KO (-0.4%) Coca-Cola,
• $PG (-1.24%) Procter & Gamble,
• $MCD (-0.31%) McDonald's.

• Finance and insurance:
• $JPM (+1.21%) JPMorgan Chase,
• $ALV (-0.66%) Allianz,
• $V (-0.14%) Visa

• Real Estate:
• $O (+1.22%) Realty Income.

• Armor:
• $LMT (+0.94%) Lockheed Martin.

• Retail:
• $WMT (-2.1%) Walmart.

- Luxury:

$MC (-0.25%) LVHM

- Various areas:

- $8001 (-0.17%) Itochu

- Health

$JNJ (+0.03%) Johnson & Johnson

ETF as core overlaps are relatively unimportant to me in this area :)

- FTSE All World :

$VWRL (+0.18%)

-Global Quality Income:

$FGEQ (+0.06%)

and then as a supplement

$BTC (-0.06%) bitcoin

and gold $EWG2 (-0.3%)

Barron's top picks for 2025 🤔 :

3 of them collected in the last few months $MC (-0.25%) , $GOOG (+1.03%) , $ASML (-1.59%)

Hello everyone. I started my journey on the stock market in April and I definitely don't regret the decision.

(According to GQ since 2022, but I only tested the stock market and Bitcoin with play money of €125, but sold it again straight away and the stock market was then next to nothing).

I'm now in my mid-21s and still live at home. My strategy is to build the basis with the $SPYI (+0.26%) ACWI IMI, and with the $CSNDX (-0.01%) NASDAQ 100 and stocks (maximum 10) that are high quality and buy to hold and should yield good dividends in maybe 20 years (small side income). With $BTC (-0.06%) or altcoins I am currently testing myself and trying to understand it better.

The $CSPX (+0.32%) S&P 500 with €500 per month

This is for a possible house construction in 7-10 years. (I am aware of the risk)

On the other hand, I put €50 in the $IWDA (+0.23%) MSCI World for my parents in 10 years when they retire and €100 in the $VWRL (+0.18%) FTSE-all world as a fixed pension. (An additional €200 per month via insurance-linked provisions such as Rürup and private pensions)

The Nvidia position is only so highly weighted because I got in at 104 euros with my nest egg (2.5k). It was a risky move, but as I don't need any big reserves apart from my car, I thought, why not?

Future goal: continue to expand the base with ACWI IMI and NASDAQ, and also add a few individual stocks that are perhaps not so heavily weighted in the existing ETFs. $MC (-0.25%) LVMH $OR (-0.71%) L'Oreal or $MCD (-0.31%) McDonalds, for example

The only thing I'm still wondering about in my first year on the stock market and don't know...tax.

I was thinking of selling the Nvidia nest egg position to take advantage of the tax-free allowance and have the money safely back in my account. The problem is that Nvidia is currently falling sharply. How do you do this or what is your advice? Or would you rather sell some of the ETFs? Thank you very much!

Hello everyone,

A brief introduction to myself:

I am 22 years old and am currently doing a dual degree in business administration. I started investing when I was 17 and, after making a few mistakes, I built up my portfolio using a core-satelite strategy. The $IWDA (+0.23%) my basis.

Today, however, I would like to share my "gambler's portfolio" with you. Since February of this year, I have occasionally tried out leverage and relied heavily on momentum. I've learned a lot in the process, but above all that greed is the worst thing you can trade. I didn't sell some derivatives at 300% plus and later slipped into the KnockOut area.

After the brief setback at $NVDA (+2.01%) I sold some of my derivatives and entered the market with what I considered a large amount.

I am betting on $MC (-0.25%) on a long-term recovery.

$ASML (-1.59%) has found a bottom at just under 605 and has therefore been added to my portfolio as a knock-out certificate. I intend to continue holding it, as the sales forecasts and the figures from China make me optimistic that the recovery will continue.

Please leave your opinion on my very risky portfolio below the post.

Many thanks in advance

Do you also like to "gamble" with some of your money?

Hello, my savings plan will be triggered again on the 16th. In addition to my two ETFs. I would like to $KO (-0.4%) also $MC (-0.25%) I would like to buy something new in my portfolio. However, I'm currently wondering whether it's worth getting in at $MC (-0.25%) at the current price. I'm buying the shares for the long term anyway and think they will rise. Plus I'm trying to focus more on dividends next year. Nevertheless, I would be interested in your opinion...

Thanks for your answers and have a nice evening =)

$MC (-0.25%) Dividend on TR is here!

$MC (-0.25%)
#dividends
#traderepublic Unfortunately no dividend booked yet. The payment date was 4.12.2024. Is it the same for you?

My current low performers

These shares are currently in the red for me. I'm wondering whether I should sell these shares or buy more. With $NKE (-6.85%) and $PLUG (+9.5%) I am pretty sure that I will sell these shares as soon as they recover somewhat. With $AMD (-0.35%) as a semiconductor company, I can imagine that it will play a major role in the future and I am therefore toying with the idea of increasing my position in $AMD (-0.35%) to increase my position. With $MC (-0.25%) however, I am absolutely unsure whether I should increase or sell my position. I would therefore like your opinion on this. What would you do if you were in my position?

To those who $MC (-0.25%) on TR, have you received your dividend?