As a 17-year-old student, my first (full) year on the stock market really went better than expected. Initially, I wanted to invest a small part of my "assets" and outperform my call money account - and I did so successfully. My TWR is 59.67%I think that's really impressive for a beginner.
Now to my investments:
My year got off to a rather negative start with the sell-off of Neotech-Metals $NTMC (+10,27 %) a "tip" from a relative - with a 77% loss, I decided to see this investment as a learning opportunity, which in retrospect was worth it. At least I only lost €126 on my first bet.
Savings plan
Throughout the year, I had my savings plan running at €150 per month:
60€ in $XDWD (+0,52 %) -> Later 100€ $VWCE (+0,33 %)
45€ in $XMEU (-0,08 %) -> Later 50€
45€ in $RBOT (+0,48 %) -> Deducted
Since I moved my securities account from Deutsche Bank to ING in April, I no longer have to hold 3 stocks, but can focus on 2.
However, when I turn 18 in April '25, my portfolio will probably move to TR or Scalable.
Investments:
I also had several smaller investments this year $NVDA (+4,11 %) investments this year, which I had chosen without any premonition, just because I like their graphics cards. But that was probably the first stroke of luck in my stock market "career".
I also bought more of them:
21.10. 5 x @ 127,45€
16.11. 2 x @ 134,11€
20.11. 3 x @ 139,63€
This brings me to a total of 20 shares and a price gain of 20.12%.
However, this position is slowly becoming too large for me, which is why I will probably realize partial profits soon.
Another new addition to my portfolio were 2 Tesla shares $TSLA (+7,94 %) which I didn't even hold for a month, but I was able to take a short-term gain of 27.23%, i.e. €175, which really tastes good in such a short time.
The top winner for me this year was clearly the Apple share $AAPL (-0,61 %) which brought me almost 43%. Fortunately, my parents support my interest in the stock market and gave me an Apple share for Christmas instead of an Apple product. In the time since I bought this share until today, it has actually gained 52%, which is of course a great increase in value for a gift. I also received the "bitcoin standard", which is a really great book so far!
So total return is 1632€, of which about 850€ realized.
Goals 2025:
> First, I will probably halve my Nvidia position so that I can buy my first car.
> Leave savings rate at €150 in months without income, increase drastically in months with salary
> More investments in individual shares
> First investments in Bitcoin (I know, volatile, but I'm very interested in the technology behind it)
> Even better financial education, especially with regard to investments
I try to save as much as possible and give up as little quality of life as possible. I am thrifty, but I also like to buy nice clothes or invest in friendships and family, because in the end that is still the most important thing in life!
With this in mind,
A successful year 2025 to all!
