Anyone else?

Hello,

I currently have 5000€ that I would like to invest in individual stocks. I am following a core satellite strategy and as I am still young and in training, I am a bit more risk-averse (hence the relatively small core of 50%).

I would like to invest in stable growth stocks on the one hand, but also take a little more risk on the other.

My current plan would look something like this:

500€ $NU (-11,11 %) (came across Nu through the community)

700€ $NOVO B (+5,32 %) (upgrade to 1000€)

1000€ $GOOGL (-2,28 %) (stable outperformance of the market)

1000€ $ASML (-0,72 %) (monopoly position and good future prospects)

1000€ $CRWD (-6,19 %) /$PLTR (-3,33 %) / $SNOW (-3,37 %) (some of the stocks have done very well, so I'm a little unsure exactly which ones and whether I'm still waiting for a correction in the respective stock. But I find cybersecurity, cloud and big data very interesting with a lot of future potential)

I am also watching, for example: $SOFI (-4,68 %) , $SHOP (-5,86 %) , $MELI (-4,31 %) , $ENR (-4,27 %) .

If you have any suggestions for improvement or ideas as to which companies could benefit my strategy, I am open to them. Perhaps also expand other existing positions

Thank you very much#

Palantir soon 16-bagger in my depot. I will continue to hold. How much % are you up now?

$PLTR (-3,33 %)
$AI (-4,71 %)
$TEM
$DDOG (-4,67 %)
$SNOW (-3,37 %)
$UPWK (-6,39 %)
#palantir
#palantirgang
#pltrgang
#pltr
#ai
#ki

Palantir almost 14-bagger for me after only 2 years.

How much % are you up?

$PLTR (-3,33 %)
$AI (-4,71 %)
$DDOG (-4,67 %)
$SNOW (-3,37 %)
#palantir
#palantirgang

Palantir +15% after very good quarterly figures. New all-time high and 13-bagger now in my portfolio. That is #pltrgang 🤜🤛👊✊️📈🫡🚀🌕💶 $PLTR (-3,33 %)
#palantir
#pltr
$AI (-4,71 %)
$SNOW (-3,37 %)
$DDOG (-4,67 %)

The software manufacturer Snowflake $SNOW (-3,37 %) decided on Monday to include DeepSeek's models in its marketplace for AI models after receiving a number of customer requests.

As employees also described the models from

DeepSeek's models as "amazing", the US software provider weighed up the

the potential risks of hosting AI technology developed in China before finally deci

before finally deciding to offer it to its customers, said

Christian Kleinerman, executive vice president of product at Snowflake.

"We decided that

we don't see any problems in supporting this technology as long as we are clear

clear to our customers," he said.

In the meantime, the

American AI developers are rushing to analyze DeepSeek's V3 model.

DeepSeek published a research paper in December on the model, which

the basis for its popular app, but many questions such as the total development cost

are not answered in the document.

China is now from 18 months to

six months behind the most advanced AI models developed in the US, a person said.

developed in the US, one person said. Since DeepSeek has caused such a stir with its strategy of

free release strategy is causing such a stir, the company may soon run out of

may soon run out of chips to meet demand, this person predicted.

person predicted.

DeepSeek's progress

is not only based on a modest budget of 6 million dollars - a

a tiny sum compared to the 250 billion dollars that analysts estimate large

that analysts estimate large US cloud companies will spend on AI infrastructure this year.

will spend this year. The study points out that these costs relate

specifically refer to chip usage for the final training run and not to the entire

to the total development costs.

The training run is just the tip of the iceberg

of the iceberg in terms of overall costs, executives from two top labs told Reuters.

top labs told Reuters. The cost of determining the design of the

training run can be many times higher, they said.

The paper states that the

training run for V3 was conducted using 2,048 H800 chips from Nvidia, which were

designed to comply with US export controls enacted in 2022

rules that experts told Reuters would do little to slow China's AI progress.

would hardly slow it down.

Sources at two AI labs said,

they had expected that earlier stages of development would have relied on a much larger

amount of chips. One of the people said that such an

such an investment could have cost more than 1 billion dollars.

Some American

AI executives praised DeepSeek's decision to release its models as open source, which

source, meaning that other companies or individuals can freely use or modify them.

individuals can freely use or modify them.

"DeepSeek R1 is one of the most

most amazing and impressive achievements I have ever seen, and as open source

- and a great gift to the world as open source," said venture capitalist

venture capitalist Marc Andreessen in an article on X am Sonntag.

The acclaim that the models from

DeepSeek's models underlines the viability of open source

open-source AI technology as an alternative to costly and tightly controlled

controlled technologies such as OpenAI's ChatGPT, according to industry observers.

The most valuable companies on

Wall Street have risen in recent years on the expectation that only they have

have access to the enormous capital and computing power needed to develop and scale new

required to develop and scale new AI technologies. These

assumptions will be further tested this week and next when many

when many American tech giants report their quarterly results.

will present their quarterly results.

Is Snowflake $SNOW (-3,37 %) a risky investment?

External fund manager Li Lu, backed by Berkshire Hathaway's Charlie Munger, doesn't mince his words when he says: "The biggest investment risk is not price volatility, but whether you will suffer a permanent loss of capital. When we think about how risky a company is, we always like to look at how it takes on debt, because over-indebtedness can lead to ruin. We can see that Snowflake Inc ( $SNOW ) uses debt in its business. However, the more important question is: How much risk does this debt pose?

When is debt a problem?

In general, debt only becomes a real problem when a company cannot easily repay it, either by raising capital or through its own cash flow. If the company cannot meet its legal obligations to repay the debt, shareholders are ultimately left empty-handed. However, a more common (but still costly) case is where a company has to issue shares at knock-down prices, permanently diluting shareholders, just to shore up its balance sheet. Most commonly, however, a company manages its debt reasonably well - and to its own advantage. When considering how much debt a company has, the first thing to look at is cash and debt together.

What is Snowflake's debt level?

As you can see below, Snowflake had $2.27 billion in debt at the end of October 2024, whereas a year ago it had no debt. Click on the image to see more details. However, this is offset by US$4.16 billion in cash, which means a net cash balance of US$1.89 billion.

How healthy is Snowflake's balance sheet?

The most recent balance sheet shows that Snowflake has liabilities of US$2.65 billion within one year and liabilities of US$2.62 billion thereafter. This compares with US$4.16 billion in cash and US$618.9 million in receivables due within 12 months. Its liabilities therefore exceed the sum of its cash and (current) receivables by US$ 492.0 million.

Given the size of Snowflake, its cash and cash equivalents appear to be in balance with its total liabilities. So it's very unlikely that the US$56.4 billion company is short of cash, but it's still worth keeping an eye on the balance sheet. Despite its considerable liabilities, Snowflake has net cash, so it's fair to say that the company doesn't have a heavy debt load! The balance sheet is clearly the area to focus on when analyzing debt. Ultimately, however, the future profitability of the company will determine whether Snowflake can strengthen its balance sheet over time.

On a 12-month view, Snowflake reported revenue of $3.4 billion, up 30%, although the company did not report earnings before interest and taxes. With any luck, the company will be able to find its way to profitability.

So how risky is Snowflake?

Snowflake lost money at the earnings before interest and tax (EBIT) level, but generated positive free cash flow of $793 million. So although Snowflake is making losses, the company does not appear to have too much short-term balance sheet risk given its net cash position. The good news for Snowflake shareholders is that the company is experiencing strong revenue growth, which will make it easier to raise capital when needed. However, this does not change our view that the stock is risky. The balance sheet is clearly the area to focus on when analyzing debt. But ultimately, any company can have off-balance sheet risks.

Source: https://simplywall.st/de/stocks/us/software/nyse-snow/snowflake/news/ist-snowflake-nysesnow-eine-riskante-investition

How do you see it? Who is invested?

So now it's time for me to introduce myself. I've been reading your posts for quite a while now. And I've been able to glean a lot of knowledge here.

About myself, I am 47 years young, married and an employee of a medium-sized company. I have been working intensively on the topic of investing in shares since May 2024. Before that, however, I had already dealt with the topic of investing, but was dazzled by financial advisors etc.. I had invested a lot in investment funds and life insurance policies. However, the returns fell by the wayside.

Until I started looking into ETFs and shares. As is so often the case, the financial advisors naturally wanted to talk me down about the enormous risk I was taking and that a fund would bring much higher returns, etc. etc.

Long story short, I decided to go down this path anyway. I started with a Robovisor (growney). Here I was able to gain my first experience with ETFs.

But I quickly realized that I wanted more, i.e. I wanted to get more involved with ETFs and shares and find my own strategy that suited me. So I opened a securities account with an online broker and then, after intensive research on YouTube, getquin and Google, I started to create my own securities account.

In the meantime, I canceled all my funds and life insurance policies and reallocated my assets.

In May 2024, I then started to build up my own portfolio. So 2024 was more of a practice year. I have now built up my portfolio to the point where I feel comfortable with it.

Now to my strategy, I want to build up assets until I retire

My core is the

$VWCE (-0,92 %) This is where the largest monthly savings installment goes in

$EWG2 (+0 %) I see gold as a small security and stability for my portfolio, which will be expanded in small steps.

$XEON (+0,01 %) Money market ETF is our emergency fund, which will be expanded in small steps, as repairs etc. are also paid from here.

$BTC (+0,79 %) I see Bitcoin as a long-term investment, this will also be further expanded via a savings plan, but I would also like to realize partial profits in the future

Then I have decided on a few individual stocks, which I have selected so that they are not so highly weighted in my core and where I see growth potential in the future. These will be held for the medium to long term and expanded with savings plans.

$NU (-11,11 %)
$HIMS (-26,15 %)
$ASML (-0,72 %)
$SFM (-12,04 %)
$NOVO B (+5,32 %)
$SHOP (-5,86 %)
$SNOW (-3,37 %)
$SP20 (-1,48 %) The S&P 500 Top20 serves as a small yield booster, but it remains to be seen...otherwise it will be reallocated to the all World

That's it for now, I'm always open to constructive criticism and improvements. I'm looking forward to an exciting time here.

$NU (-11,11 %)

Nu is a leader in digital banking in Brazil and Latin America

1. Nu reaches around 53% of the adult population in Brazil.

2. Customer acquisition cost (CAC) of USD 7, and service cost per customer around 85% lower than traditional banks.

$ASML (-0,72 %)

World leader in lithography equipment, ASML is a key player in the semiconductor industry.

1. ASML has a worldwide monopoly on systems (extreme ultraviolet lithography)

2.31% ROIC and 51% EBITDA margin above industry standards

$GTT (+8,16 %)

Major player in cryogenic technologies applied to the transport and storage of liquefied gases

1. Key market for the energy transition, growing by CAGR 27% 2024-2032

2. Exceptional EBITDA margin of 54.9

3. Portfolio of 3,295 active patents

$SNOW (-3,37 %)

Leader in cloud-based data management

1. Premium customer base: 542 customers generating over $1m and high net retention (127% in Q3 FY2025).

2. Multi-cloud architecture with advanced capabilities for secure data collaboration

$JD (+3,44 %)

A key player in logistics and technology services for e-commerce

1. Same-day or next-day delivery to over 90% of the Chinese population thanks to its logistics park

2. Attractive valuation (PER 11.52x)

$MNSO (-11,98 %)

International retailer specializing in lifestyle and design products

1. Rapid growth in key regions such as Latin America (+18.7%) and North America (+89% by 2024).

2. Innovation: 940 new products introduced every month

$RHM (-1,89 %)

European leader in defense and mobility technology.

1. Visibility of revenues: order book of 38.3 billion euros

2. Diversification between defense and civil mobility

$OSIS (-5,17 %)

Global Leader in Security, Healthcare and Optoelectronics Technologies

1. Technological advantage with products such as CertScan® or RTT® 110

2, 40% recurring revenue from turnkey solutions and maintenance

$WHD (-1,76 %)

Specialized in drilling and pressure control technologies for the oil and gas industry

1. Market leader in the United States

2. Return on Equity > 30

$TGLS (-2,24 %)

Company specializing in the manufacture and installation of glass for the construction industry

1. Sector leader in the US where construction will benefit from D. Trump's policies

2. EBITDA margin > 25% and 2-figure growth over the last 3 years