8Lun·

Moin,


I would like to share my portfolio with you. Maybe you have one or two ideas on how I can optimize the whole thing.


Let me start with myself:

I am 28 years old, an engineer and earn around €3500 net per month. I also receive one-off payments such as an annual bonus, vacation pay, Christmas bonus, etc.


I save €1000 a month + one-off payments & dividends, so I end up with around €20k a year.


About my securities account:


I started saving about 5 years ago and was very naive at first. My mistakes are evidenced, for example, by my $GAZP Gazprom position, which I unfortunately did not sell in time. Unfortunately, I can no longer sell it for well-known reasons, which is why it is still displayed here as a memorial and distorts my return a little...

Basically, I let myself be guided too much by supposed "experts" and my feelings. I no longer want to make these mistakes.


My strategy:

My goal is to build up as much wealth as possible over a longer period of time (at least 25 years). In future, my strategy should be to hold 65% in broadly diversified ETFs, 20% in individual shares, 10% in BASF and 5% in crypto.


$BAS (+0,1 %) has a relatively high weighting. The background to this is that as an employee here I benefit from the employee program and can achieve a good return through incentive shares, even if the share price remains rather weak.


With regard to individual shares, I would only like to invest in "quality stocks" in future, such as $V (+0 %) (VISA), which have a good risk/return ratio and have performed well in the long term in the past. I want to reduce gambles to a minimum (1% of the portfolio value), as greed is not known to be a good driver for good decisions. Dividend stocks will no longer be a focus, as I want to build up assets and don't need any additional funds on top of my salary. I can always adjust this for retirement as soon as a monthly cash flow is required ;)


Perhaps you have one or two constructive comments on my portfolio and my strategy in particular.


https://getqu.in/cvIpma/

27Puestos
129.578,85 €
20,12 %
32
30 Comentarios

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Hi,
Nice Portfolio!
I would sell some Basf stocks and buy Bat instead :)
5
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Nices Portfolio👍
3
One idea would be to sell the Basf after the lock-up period and switch to the World.
1
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I am now completely new to the stock market. I must honestly say that it is extremely difficult for newcomers to get a good overview... or to start profitably without luck... I've been reading up for weeks or months now and I still feel the same as at the beginning... everyone just has their subjective opinion, everyone says something different, everyone writes something different... one does it this way, the other does it that way...

So I find it totally difficult... unfortunately
1
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What industry are you in, if you don't mind me asking?)
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I like your thoughts. I'm not quite sure whether your portfolio fits in with this.
1) I would take the incentive shares as a maximum and then reallocate them quickly.
2) The ACWI is too underperforming for active asset accumulation. Historically and systematically. More QQQ and BTC would be possible here. Perhaps not immediately, but in the longer term 20% each would make a difference.
3) If you are actively trading anyway, then you can also think about diversifying across different strategies. E.g. 3xQQQ or BTC combined with SMA200 can also be something. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2741701
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I don't think the figures quite fit. You mention a savings rate of €1,200 in your profile, but say that it's currently €20k / year (€1,666 / month).
What about the dividends? Are they reinvested? If not, these are withdrawals from the custody account.

Otherwise: you did everything right to invest so heavily at such an early stage. I only started at 28 and had to work really hard to have a satisfactory portfolio (for me) for my age.

If I were you, I would think about where exactly you want to go. "Building up assets" is not very specific. You're probably not saving for the sake of saving.
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Engineer and 3.5k net 😂 Germany is really at the end ... You must easily earn twice as much with your qualifications.... Really bad ....
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Have you been investing since you were 18 and have a "small" return?
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Are you young? Why so few growth records? You can easily sit out a crisis for 15 years. I'm going all in on growth stocks. With a little dividend, of course.
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