What are your three favorite stocks

from a buy and hold perspective?

I am with $MSFT (-0,71 %) , $AMZN (-0,62 %) and $BRK.B (-0,67 %)

Warren Buffett hands over the baton to Greg Abel. The fact that the legendary investor and CEO of the investment company Berkshire Hathaway $BRK.B (-0,67 %) is stepping down at the age of 94 is something that everyone can understand. For shareholders, however, the transition is fraught with uncertainty, despite all the promises of continuity: Buffett's footsteps are difficult to fill, and what's more, Berkshire - despite its still impressive performance - is also a victim of its own success. With a share portfolio worth around 300 billion dollars, the company is simply a cumbersome tanker.

It is therefore worth taking a look at alternatives. In addition to the Canadian investment holding Brookfield $BN (-1,86 %) the Markel Group ($MKL (-0,21 %) ) is becoming increasingly well-known. With a market capitalization of 21 billion euros, it may be tiny compared to Berkshire, but otherwise there are great similarities. Markel's "base" is also an insurance group, but there is also the investment division, which invests the money according to value criteria. The largest positions are Berkshire Hathaway and Brookfield, followed by Alphabet, Deere and Amazon. The less well-known investments include the air conditioning distributor Watsco, the strategy consultancy Marsh & McLennan and the broker LPL Financial. Baby Berkshire certainly has no track record to hide behind: Over the past ten years, the share price has risen by around 145 percent - with fairly moderate fluctuations.

Source: Focus Money

TL;DR like to roast my deposit, appreciate all opinions!

I always find the many posts here and reading various biographies very interesting, so I've wanted to say a few words for a while now.

Tried early, but started late

I am now 32 and unfortunately started investing seriously far too late, studied far too long, and with the larger salaries finally built up as much as possible and tried to catch up as quickly as possible. "Unfortunately" means for the most part the past calendar year, which is why I put a large part of my money into shares at already high prices and then had very little cash left in the crash to add to it. Fully invested, in other words. During the crash, I mainly reallocated and continued to fully invest what was left over from my monthly salaries.

Yet back in 2011, at the age of 18, I had a share called Facebook and a Starbucks share in my portfolio without much of a clue. I just wanted to know what my mother was actually doing with her shares and how it worked, and with FB and Starbucks I simply chose two companies that "everyone" uses/needs anyway. The idea wasn't that stupid, it worked, and after a short time I was happy about the small profit in absolute terms, sold the shares at DiBa despite the high fees at the time and simply forgot about shares for years - wealth accumulation, a word that wasn't in my vocabulary, the money I had was simply turned upside down as a young adult. Well, young me, just leave the shares lying around or, even better, take a closer look at them and carry on, it "might" have been worth it...

Of priorities and wrong horses

The years went by without any shares, but with lots of fast food and partying, but at least things have changed. At some point, I started to think about the future and wealth accumulation, first taking an interest in interest rates, and then the logical next step was dividends and shares. Unfortunately, it started rather haphazardly. As a student, I started investing small amounts, and of course betting on the wrong horses. Speculative lithium shares were particularly bad in this phase, unfortunately these were large sums even by my standards, from my grandfather's estate. That was bad. However, crypto was a very good horse, more precisely $BTC (-0,34 %) and $ETH (+1,07 %) which (as a computer scientist) I became interested in early on and exited several times with high profits, also thanks to domestic mining. It's just stupid that back then, in the last decade, I would never have imagined how cryptos would develop. If I had, I would have simply left it all, or at least part of it. You learn and you're always smarter afterwards anyway.

Fully invested - excessive, unhealthy, or simply good housekeeping?

So now I'm 32 - and proud of a portfolio that I think I've built up to a good size in a relatively short time. Which has given me other ideas for some time now. I'm still a long way from reaching my goal, but I have to get back on the "invest 100%" path, which has been completely contrary to my past for a long time now, and strangely enough, I'm finding it difficult to do so - something to reflect on. There are too many (supposed?) opportunities every day. So I simply could not $UNH (+0,73 %) after a long period of observation yesterday and of course the savings plans had to run today too. I think I've always been good at budgeting, or let's put it this way, at least good at getting by with the money available to me in a perfectly timed way, but "indulging", not just in company shares, may become a little more prominent again. I don't go without noticeably in everyday life, I need very little, which I don't think is a bad quality to begin with. But I have changed a lot in the area of "consumption" compared to the past. I think it would be good to find a healthy balance. In my opinion, just as you don't just live to work, but work to live, the same applies to saving/investing. I actually read a post here on gq today that described exactly that and I could relate to it very well. So, reflection and taking your foot off the gas is allowed - no, it's a must! I am familiar with frugalists, but I never wanted to be one. I'd be interested to know if anyone else here feels the same way, or did?

Wrong decisions, mistakes... and (hopefully) the right conclusions

Back to the topic! (Not only) on the way to today's portfolio I have made many wrong decisions, as already mentioned, so I thought that a well-kept portfolio roast could do me some good. Other, new opinions and assessments can't be bad!

In particular, in the past I have often missed the opportunity to simply let profits run their course and instead dragged losses around with me for too long (which brings us back to lithium). A thought that I recently had again when I was thinking about when it would make sense to $HIMS (+1,69 %) possibly realize, as an example. $PLTR (+0,29 %) and $NVDA (-0,73 %) are two examples that, like so many others, I naturally had on my radar, but they always seemed too expensive, the setback never came and I really missed the big rallies as a result. At the same time, I also get caught out by FOMO from time to time. So in both good and bad phases, I try not to just see red or green, fear or hope, but simply to evaluate what actually makes sense "from now on". Sometimes you realize a loss in order to try your luck elsewhere, sometimes you should let profits run, sometimes take them, sometimes endure the dip, sometimes be courageous and sometimes defensive. Easier said than done. I find it very nice and helpful to exchange ideas on this platform and how open and "yet" respectful it generally is. Of course, I will most likely never reach some portfolio sizes, but you can always learn something about how some people manage their portfolios, regardless of the absolute figures. You will always make mistakes, but at least you should deal with them correctly and draw the best possible conclusions.

Portfolio restructuring, planned investments / savings plans

And today? After some evaluation, research, regrouping and restructuring, I now have fewer, but still quite a few positions in different sectors, most of which are already of a decent and roughly balanced size. My medium-term plan is now to build up all positions to a certain target size. This is why I am currently running savings plans:

$MPWR (-0,62 %)

$AVGO (-1,1 %)

$ISRG (-0,94 %)

$DXCM (-0,63 %)

$DHR (-0,51 %)

$ALV (-0,29 %)

$9988 (-0,45 %)

$BRK.B (-0,67 %)

$APH (-0,87 %)

$MELI (-1,64 %)

$BLK (-0,36 %)

$RSG (-0,61 %)

$DGE (-1,58 %)

$VKTX (-0,01 %)

ETF/ETC:

$UBU7 (-0,46 %)

$EWG2 (+0,61 %)

Partly with small weekly amounts, until enough cash is available to fill the target position evenly. With $AVGO (-1,1 %) for example, there is not much left. Also $BRK.B (-0,67 %) / $APH (-0,87 %) and others are already approaching the target. In some cases with somewhat larger sums for still small but prioritized positions, until opportunities and/or resources for individual purchases arise, such as the $ALV (-0,29 %) and $RSG (-0,61 %) should be mentioned here, as well as $DGE (-1,58 %) as a turnaround candidate.

Once the aforementioned positions are full, I would like to turn my attention to the more defensive candidates that are already in the portfolio but which I am currently prioritizing - $MCD (-1,27 %) / $KO (-0,21 %) / $CCEP (-0,57 %) / $ULVR (-0,61 %) and others - and finally increase the ETF and gold share in the long term.

$VKTX (-0,01 %) is a bit of a gamble, as I have actually said goodbye to pharma - $ABBV (-0,5 %) / $NOVO B (+1,24 %) / $LLY (-0,31 %) and $MRK (-0,51 %) were still part of the inventory until recently. Instead, I decided to go with $DXCM (-0,63 %) / $ISRG (-0,94 %) / $DHR (-0,51 %) on medical technology.

$BTC (-0,34 %) remains a fixed value in the portfolio, while I $ETH (+1,07 %) (incorrectly entered due to staking - around 0.4 shares or €1000) and $XRP (+0,93 %) would/will sell at corresponding prices.

I still lack around €15,000 in individual stocks at current prices to bring all positions to the current desired/dream target. This will take some time, but is foreseeable. And then I would be really quite proud and happy "as things stand now"! In any case, I now feel very comfortable on the path I have chosen and, as I said, I have to stop myself from forgetting that not all money has to be invested all the time.

Savings rate

To put this into figures, I have averaged a savings rate of around €1500 over the last 24 months, with an average of €100 a month in dividends. 1400€ investment, that's about 82% of my monthly budget after deducting all "unavoidable" fixed costs including fuel and household, but not including consumption such as clothes, going out or vacations. Exaggerated, I can't say otherwise myself. But at least I have a good reason to step on the gas and get the compound interest going.

So what is all this for?

In the long term, my girlfriend and I dream of owning a property somewhere on the Croatian Adriatic, her homeland, and where I was able to spend many wonderful weeks with my parents every year as a child. A beautiful region that I consider an important part of my life, with many great moments and memories that may become even more. I hope to get closer to this goal "quickly" with the depot. The language is already halfway there! :)

In the long term, this would probably involve a little reallocation into value dividend payers, which should help with repayment. However, I would also like to lay the foundations for later distributions today, without neglecting growth. There is probably no perfect mix for this, but you are welcome to rate mine.

So, unfortunately I was once again unable to be brief. Thank you for reading, whoever has made it this far, and for your comments! I'm very excited and wish you all a great weekend.

Hello everyone,

With today's high, I have cracked my first target of €50,000 for the first time.

The next target is of course €100,000, hopefully by the end of 2026/beginning of 2027.

I would therefore like to present my portfolio to you and hope that you will have any suggestions for improvement and constructive ideas.

Basically, the focus is on buy and hold / growth. But a dividend is also nice.

I started thinking more intensively about the whole topic around the beginning/middle of 2023, at the age of 29. The aim is to possibly reach the millions after all, or in any case to have a more comfortable retirement later on.

Before that, it was more about trying things out or the "safe" investment that you get from your parents. In the meantime, we saved in stories such as DWS funds. I still have one of these "corpses", the DWS Vermögens... $HJUF (-0,19 %) .

However, this is also to be restructured in the near future.

I am currently working on increasing my ETF positions to get to a ratio of 50%/50%. I have not been so successful with this recently, as I have increased many individual stocks due to the low.

Actually, the iShares Core S&P 500 $CSPX (-0,82 %) and FTSE All-World $VWCE (-0,54 %) are in the foreground.

Yes, I am also saving here at the same time $VWRL (-0,32 %) for a few more dividends a year. You are welcome to give your opinion on whether this makes sense or whether you should only take one of the two.

My current monthly ETF savings plans at a glance,

Core S&P 500 $CSPX (-0,82 %) - 150€

All-World $VWCE (-0,54 %) - 70€

All-World $VWRL (-0,32 %) - 70€

MSCI World $IWDA (-0,58 %) - 40€

S&P 500 Information Tech $IUIT (-0,15 %) - 30€

All-World High Divid. $VHYL (-0,35 %) - 30€

VanEck Sustainable World Equal $TSWE (-0,07 %) - 30€

VanEck Developed $TDIV (-0,14 %) - 15€

iShare DJ Global Titan 50 $EXI2 (-0,69 %) - 15€

Here, too, a merger would be conceivable and also make sense.

For example, since I hold the DJ Global Titan 50 $EXI2 (-0,69 %) and the MSCI World $IWDA (-0,58 %) with a small amount for ages, I have not yet been able to part with them.

I still save the following shares weekly at €7 each on the side,

$BRK.B (-0,67 %)

$BLK (-0,36 %)

$PG (-0,61 %)

$PEP (-0,35 %)

$KO (-0,21 %)

In addition to the above, I buy individual shares, ETFs or top up positions worth a further €500, depending on prices.

On average, my monthly savings rate is therefore around €1,000-1,500.

As already mentioned, I would like to ask the community for their opinion, any suggestions for improvement and constructive ideas.

Thank you very much, best regards and happy trading days.

🖥️ Field report

Inspired by the many great members on getquin and their super contributions, I wanted to share my experiences with you with this small series of reports and give something back to the community.

I was able to increase my income enormously due to a job change, but this also means that I don't expect such an increase in my income this year.

I was able to reduce my expenses significantly compared to the previous year. Unfortunately, as I had built up credit card debt, paying it off increased my financial burden.

Fortunately, I was able to get out of this situation within a few months by being disciplined and learning how to organize my finances.

The 50-30-20 rule was a particular help to me. I also opened a smart account with C24Bank, which allows me to create sub-accounts. The sub-accounts enable me to organize different pots of money for different purposes and use them with different cards. I have set automatic saving rules via the app, which has worked very well so far.

I also use the app to track and analyze my spending and income.

My portfolio was doing very well at the beginning of the year, but then unfortunately the correction started and from February to March my portfolio was only in the red. I didn't let this put me off and kept my savings plans running continuously.

There was one change to my ETF core from February onwards: I no longer have the STOXX Europe 600 in my savings plan, but now have the MSCI Momentum and the MSCI EM Value. With Momentum, I want to focus primarily on long-term trends and not actively on certain ETF themes that may only experience a brief hype.

With EM Value, I wanted to weight EM somewhat higher, taking the value factor into account.

I have also made some additional purchases to further advance my dividend growth strategy. Assuming that the stocks I had chosen could not fall any further, I bought them and was then particularly successful with $UNH (+0,73 %) and $TSM (-1,2 %) were proved wrong.

To my delight $RSG (-0,61 %) , $V (-0,55 %) and $DE (-1,21 %) held up very well despite the correction.

Before I got serious about finance and building wealth, I traded a lot in collectibles and currently have a mid to high 4 figure amount of collectibles in my inventory.

In the long term I would like to part with my collection as I have changed my mind and believe that investing so much money in old video game consoles, rated video games and Pokémon cards was not a good financial decision.

👨‍💻 Finances

🟢 Income YoY: +13.40%

🔴 Expenses YoY: -29.04%

💰 Monthly savings rate: €800

🏦 Portfolio

📊 Allocation:

📄 73% ETF

📄 24% equities

🟠 03% Bitcoin

🏎️ Performance:

📈 01/2025: +5,90 %

📉 02/2025: -1,85 %

📉 03/2025: -7,45 %

📉 YTD: -3.65 %

📉 TTWROR: -2.91%

🔥 Top performer - YTD:

🥇 $RSG (-0,61 %) +15,81%

🥈 $V (-0,55 %) +6,69%

🥉 $DE (-1,21 %) +6,58%

🤡 Top Loser - YTD:

🥇 $TSM (-1,2 %) -19,13%

🥈 $ASML (+0,34 %) -10,71%

🥉 $IS3R (-0,53 %) -6,37%

💹 Transactions:

🔄 03/2025: $ISAC (-0,36 %) x5,55

🔄 03/2025: $IS3R (-0,53 %) x2,80

🔄 03/2025: $5MVL (-0,21 %) x1,83

➡️ 03/2025: $TSM (-1,2 %) x1,726

➡️ 03/2025: $ZTS (-0,47 %) x2,093

➡️ 03/2025: $UNH (+0,73 %) x0,796

💶 03/2025: Interest +€25.29

💸 03/2025: $V (-0,55 %) +1,05€

💸 03/2025: $ZTS (-0,47 %) +2,28€

💸 03/2025: $UNH (+0,73 %) +1,97€

🔄 02/2025: $ISAC (-0,36 %) x6,8

🔄 02/2025: $MEUD (+0,01 %) x0,50

⬅️ 02/2025: $BRK.B (-0,67 %) +51,29€

⬅️ 02/2025: $PG (-0,61 %) +543,98€

💶 02/2025: Interest +25.20€

💸 02/2025: $DE (-1,21 %) +4,06€

💸 02/2025: $ASML (+0,34 %) +2,68€

💸 02/2025: $COST (-1,08 %) +0,03€

💸 02/2025: $PG (-0,61 %) +2,83€

🔄 01/2025: $ISAC (-0,36 %) x5,75

🔄 01/2025: $MEUD (+0,01 %) x0,53

➡️ 01/2025: $UNH (+0,73 %) x1

➡️ 01/2025: $TSM (-1,2 %) x2

➡️ 01/2025: $BTC (-0,34 %) x0,00111

💶 01/2025: Interest +€18.79

💸 01/2025: $RSG (-0,61 %) +1,16€

💸 01/2025: $SYK (-0,63 %) +0,84€

🏦 Other investments

🎰 Collectibles:

⬅️ Pokémon Black Edition 2 sealed

⬅️ Pokémon Shining Pearl & Shining Diamond sealed

🔮 Outlook

I don't expect my income to increase in the coming quarter, but I do expect my expenses to continue to develop positively, as the savings potential of the changed insurance and electricity tariffs will make itself felt over the course of the year.

The savings plans will definitely continue as before.

If the correction on the stock market continues, I will increase further positions.

I will also continue to significantly reduce my holdings of collectibles and reallocate the freed-up capital to my portfolio.

🧰 I use these tools:

🔧 Tracking investments: Getquin

🔧 Company analysis: Share finder

🔧 Chart analysis: TradingView

📢 Recommendations:

👉 Current account: C24Bank - https://s.c24.de/t1NQ7ikwwc/

Broker: Trade Republic - https://refnocode.trade.re/hfxr6pwh

#️⃣ Hashtags:

#vermögensbau
#etfs
#aktien
#dividenden

Hello everyone,

I am currently in the process of reallocating my shares/ etfs.

The plan is a core-satellite portfolio

Core:

$VWCE (-0,54 %) 60%

Satelite:

$WSML (-0,09 %) 10%

$EIMI (+0,19 %) 10%

$BLK (-0,36 %) 5%

$BRK.B (-0,67 %) 5%

$BTC (-0,34 %) 5%

$EWG2 (+0,61 %) 5%

I am currently 20 years old and my savings rate is 250€ per week, so I don't want to focus on dividends yet.

If you have any suggestions or objections to the individual positions/position sizes, please let me know.