Brock (@TheRealBrockNicholson) en getquin

Hello dear community,

today I would like to ask you for feedback on my portfolio.

Briefly about me, I am just in my early 30s and started investing after my studies in 2019. After my apprenticeship and a short time as an employee, I successfully completed my studies, which I paid for with jobs during the semester break. As traveling, living and self-financing were very important to me during my student days, I had exactly €0 in my account at the start of my second working life.

I then started investing smaller amounts in 2019. Money has been flowing into my account really regularly since 2021. During my time as an investor, I made a lot of mistakes, sold too early at the beginning, then bought Canadian penny stocks with my roommate, but fortunately only in moderation. I am not pursuing a pure growth or dividend strategy, but would like to have a balanced portfolio mix. My investment horizon will be until I retire, so I will have a few years left, around 30-35. As I earn relatively well, my savings rate is around €1000 per month, which is divided between ETFs and individual share savings plans. To all those who don't like savings plans in individual shares - for me they are a good tool and I don't regret it. I also make individual purchases from time to time.

About my stocks. Many of you will no doubt mention the duplications in my portfolio. First of all, I would like to talk about the world ETFs. Initially, I had an MSCI World $AHYQ (+0,73 %) and additionally a $IEEM (+0,36 %) . I have kept these in my portfolio, but now I am saving the $VWRL (+0,69 %) instead, as I have found it to be better for me personally and it still covers a small proportion of EM. As I am an employee of a large company, this stock is relatively well represented in my portfolio due to an employee share program and will continue to grow.

I am currently considering $META (-0,05 %) , $AMZN (+0,21 %) , $MSFT (+0,29 %) and $AAPL (+0,97 %) selling my individual shares one by one and investing the capital in $VWRL (+0,69 %) (taxes then become a nasty issue). I would collect these again in another market situation and then possibly sell them again. There are also other duplications here, such as $MUV2 (+0,04 %) , $ALV (-0,1 %) or $KO (+0,66 %) , $PEP (+0,52 %) or $MO (+1,2 %) , $BATS (+1,47 %) , etc. My idea behind this is to avoid a cluster risk.

In future, I would like to increase my holding in $VWRL (+0,69 %) and expand the individual shares with smaller amounts. If there are favorable opportunities for individual shares, I may take them. However, I don't really want to increase my number of positions significantly. Why don't I invest in an accumulating world ETF? Quite simply - I dream of being able to retire earlier and live off my dividends. I don't know if I can achieve this and would be more likely to do so with an accumulating one --> maybe, but I just feel comfortable with my few dividends at the moment.

In addition to my custody account, I currently have a small 5-digit amount in Trade Republic, which earns 4% interest. Maybe it will turn into a small property. As long as I have the 4 or 3.75%, I'm happy with it for now.

I'm actually very happy with my portfolio performance, although it could have been better if I hadn't made any mistakes at the start. I am reinvesting all my dividends and would like to break the magic 100,000 portfolio value next year.

I hope I haven't forgotten anything important, otherwise just ask me about it.

AND I am happy to receive tips, suggestions and angry comments as to why I don't have an accumulating ETF :)

Thank you.

Brock@TheRealBrockNicholson

5Lun

Either everyone here likes my portfolio or I don't know.
I was hoping for some feedback and that's why I put everything out in the open 😁
I'm mostly a silent reader but maybe the people who swirl through my feed have some feedback for me.
@Simpson @GoDividend @DividendenWaschbaer @Michael-official @Fabzy @finanzperpetuum @KevinC @Alumdria
Thank you!

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Ver todas las 8 respuestas adicionales

Marcel@AktienGaertner

A bit too colorful for me and I would realize one or the other loss if necessary. However, as the positions concerned are quite small, you can hold them, but what strategy do the low performers follow?

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~ Michael 💎 🏅@Michael-official

Works very well for me. ✌️
However, I think 80 positions on 80k volume is a lot.

Dividende > Zinsen@GoDividend

Cool. First of all, stay tuned and implement your idea - I fully agree with you. Every single position is justified. I think the tip from @KevinC is right and that's how I got my 3 water values and depot -> a matter of taste

->I also used to hold a realty inc. directly but now only indirectly via Etf in my portfolio

-> with Unilever I was actually considering selling it before the spinn of

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Fabzy ✨@Fabzy

I like the portfolio because it is well thought out. You can say for each position what purpose it serves. With the many individual stocks, it's probably diversification. I would get them via an ETF and weight it higher accordingly, but if you feel comfortable with the number of stocks and the weighting, then go for it. In the future you would rather expand the ETF.
I don't think that many people have commented because you simply don't see any major mistakes. In this sense, the lack of feedback is silent approval 😉

So, it's all good, keep going 🫡

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Kevin E.@KevinE

Everyone is allowed to make mistakes - and everyone has certainly made them! As long as you learn from them, it's all good.
Personally, I think your approach is a good one - increase ETFs! But it's best to set 50%+X as a savings plan - otherwise you'll probably be tempted to continue buying individual shares.
I personally find the water ETF too expensive with a TER of 0.6%. Maybe take a look at the positions in the ETF and invest in 1-2 of your favorites?
Personally, I wouldn't take any more positions for the time being. I would rather throw out a few positions.

Otherwise: stay tuned and good luck!

PS: Target and investment horizon would not be wrong. So smart goals.

Daniel@Bond_James_0815

I think the portfolio size is already great, but there are too many stocks. To make it easier, I would shift everything behind $MUV2 with less than +20% into other stocks and increase the ETFs - for me, it's not clear enough and then probably without any significant advantages over a well-performing ETF - too many weak stocks then tend to kill the return, so your stocks only beat the ETFs a little.