1Año·

Hello dear getquin community!

I've been reading along for a while now and have been adding my two cents on a few topics. Now it's time to introduce myself and get the hate for my portfolio :P

I'm Daniel, married and I'm now 35 years old. I live with my wife in our detached house, which we bought in 2019. Yield technically not the nicest (420,000€ loan). But it has other advantages that are very important to us.

I found my way to the stock market on my own. Unfortunately, shares were a red rag for my parents. They didn't even know about ETFs. As a result, I spent my youth with a savings account from the Volksbank and then bought expensive UnionInvestment funds. A little later, they became just as expensive Deka funds.

I've only been on the stock market for about 3 years now and have done pretty much everything wrong that you can do wrong. Bought blindly, got in too late after the party was already over, completely mispriced, played with warrants and even bought Dubai Flo shares as the cherry on the cake xD

I still have this position in my portfolio as a reminder! $NGC (-0,21 %) -57%

I sold the rest over time and got rid of everything that was way down and/or that I had no idea about.

What was the result?

Exactly a catastrophically bad portfolio, which was about 20% in the red. I am all the more satisfied to have turned the 20% minus into a reasonable plus. Although I have to admit that last year helped a lot. It was hardly possible to lose money in 2023 :)

Incidentally, all my funds went into the ETFs, the rest of my assets went towards the ancillary costs of the house and wedding - around €65,000.

I buy individual shares in small tranches or savings plans. My fixed savings amount is unfortunately only €180 per month. Why so little? My wife also has a custody account and invests for herself. There are also reserves for the house, which are completely separate from the investment, so a lot goes in here. The savings bank receives €1300 from us every month. So my portfolio is still quite small. My goal for this year is to break through the €10,000 mark.

My smallest positions are freshly set up savings plans...

$IBE (-1,04 %) is hardly the best rocket in the portfolio, but it has a very special value for me. I evaluated this company completely independently on a fundamental basis, which was the foundation stone for my new start.

My next goal is to get to grips with technical analysis. At the moment, however, I still have 3 general books ahead of me.

Thank you very much for taking the time to read my introduction.

If you have any questions or criticism, please feel free to contact me.

With best regards, Daniel

Finally, the most interesting thing, my portfolio.

Eche un vistazo a mi Tablero de análisis ¡Ahora!

20 Comentarios

Fabzy ✨@Fabzy

1Año

Nice introduction 🥰
I'm "only" 2 years in the stock market, so who am I to tell you what you can do better.
Stock selection is good, dividend and a few growth stocks. I also forgive you $BATS. Crypto also all good.
The only thing that would be far too much for me personally is the number of stocks. Too many stocks that you constantly have to keep an eye on and monitor. I think the portfolio could work quite well with 10 to 15 stocks.

•

Krush82@Krush82

1Año

@Fabzy very well analyzed by Fabzy. I haven't been investing for long either and my highest savings rate is still going to the savings bank for the immo loan. So my savings rate is somewhere between 10 and 15 %. But who cares

•

SpawN@SpawN

1Año

@Fabzy Thanks for your feedback. The positions are currently full and will be weighted higher for the time being. I have bought tournaround candidates $BAYN and $PYPL. $FTM is also a bet that will be taken out.

••

Enrique@Dividenden_Monteur

1Año

Are you still planning to pull up all the titles to a decent size? If not, I'd do some mizing.

Now you have your "base" with your house, you can let your portfolio grow in peace 🤝

•

SpawN@SpawN

1Año

@Der_Dividenden_Monteur Exactly $PYPL and $BAYN are tournaround candidates. I bought them from the opportunity and have hedged them with a stop loss at the loss threshold. The aim is to add to all positions $FTM and $SOL are still on the brink. $BATS is currently full, as is $TSLA, and I am holding these positions for the time being. The rest will be increased further. Highest weighting ETF
Thanks for your feedback.

•

Enrique@Dividenden_Monteur

1Año

@SpawN I would still throw out Naga, I see absolutely no potential there and only red flags like the postponement of the quarterly figures😅

Maybe an interesting small cap instead?
Or just a penny stock where you like the story,
But the main thing is to get Naga out 😁

•

SpawN@SpawN

1Año

@Der_Dividenden_Monteur:D Yeah, that's my position from Dubai Flo (as I've learned here) Always reminds me of the garbage I've made.

Actually you're right, might as well leave the last 30€ for a savings plan. Now you can remind me of my past mistakes.

•

NoobHDTV@NoobHDTV

1Año

Nice presentation and nice to see that you made the same mistakes as me. 😂
Can you say something about your investment strategy? How would you like to structure your portfolio in the long term?

Thank you very much for your insight ✌

•

SpawN@SpawN

1Año

@NoobHDTV Thank you very much.
I wasn't interested in dividends at all at the beginning, which is where my growth positions come from. In the meantime, I've acquired a taste for dividends and feel more comfortable with more robust positions after I shot my portfolio 20% into the red at the beginning.
The growth positions that I still have convince me, so I'm not throwing them out.

The next step will be to collect the 1000€ dividend. However, there is still some time to go until then and I'm sure there will be some changes to my portfolio before then.

•

Benne@CapitalCyclist

1Año

Hi Daniel,
that's what I call an introduction par excellence!
Very likeable.
I find your path to $IBE particularly cool.
You got into the stock market a bit later, but you can still save a lot for your retirement.
I think you have a bit too many positions.
You could perhaps reallocate a little, or focus on 10-20 stocks, which you could then invest in continuously.
The ETF as the largest position is good!
Keep it up& Lg😊

•

SpawN@SpawN

1Año

@DividendCop Thank you very much for your nice feedback. I also really enjoyed writing the text :) I spend so much time here on the platform that there has to be time for a proper introduction.
I agree with you about the positions, you all agree on that :) I have a lot of basic consumption in particular.
$PYPL and $BAYN I bought as turnaround candidates. These will be sold again at the current point in the future. Both positions are also hedged at the loss threshold with a stop loss. Maybe Paypal will go straight out tomorrow, depending on what the CEO announces. xD

•

Ella Marie Waschbär@DividendenWaschbaer

1Año

Very nice idea. With very few deviations, this could be my idea.

In principle, I think your portfolio is quite good as far as the positions are concerned.
However, the smaller positions such as Johnson&Johnson or McDonald's are of course virtually negligible. I think you are expanding them via a savings plan?
If not, I would sell them.

You should also weight the ETFs differently. Of course, this is not a must, but it makes sense if the ETFs are the largest positions in the portfolio.

Otherwise, I wish you every success. 👍🏻

•

SpawN@SpawN

1Año

@DividendenWaschbaer Thank you for your feedback.

Apple, J&J, MCD were the first savings plan execution this month. That's why the positions are so small. I save the ETFs with the highest weighting. By the end of 2024 the ratio will be better :)

•

Max@MaximumPower93

1Año

Special repayment of the loan if anything remains in ETFs World + EM. Close mini positions, enjoy life.

•

Usuario eliminado

1Año

Comentario eliminado

SpawN@SpawN

1Año

@income_engineer_178
Thanks for your feedback.
Of course you can ask... I think they are all 3 great companies. You're right about the weighting in the ETF, of course. I find individual stocks more interesting and I enjoy dealing with them. The ETFs should be the basis.

There's just one more small project still to come :) My wife is in the last year of her training. After that, the topic will become more concrete :)

You're already doing very well with the interest rate. We have a fixed rate of 1.35% for 15 years. We could even have had 1.1%, but then only for 10 years. It was a good time and we were also able to benefit from vitamin B.

••

Ver una respuesta más

finance_noob2000@finance_noob2000

1Año

Sounds great, everyone starts out and after a short time thinks they know better than the market. I see a lot of blue chips and ETFs in your portfolio, that should be your basis and I would expand it properly. All in all, I wouldn't recommend quite so many positions at first, but at least always put 1k in. In my experience, this is a very good strategy (order costs etc.) and your view of the position is also different than if you only have "peanuts" in it :)

•

SpawN@SpawN

1Año

@finance_noob2000
Thank you for your feedback.
You've also saved me further questions. I was still lying in bed last night and thought to myself why do I have too many positions when the people who tell me this have even more positions.
I guess it's the ratio of the number of positions to the position balance.

••

finance_noob2000@finance_noob2000

1Año

Yes, exactly, I always try to stay under 30, that's a good size for me to keep a bit of an overview. But I also always tidy up if something new comes up

•

Tim@Tacticus

1Año

With your start, I don't know if you've really learned anything if you're now turning to individual stocks...

•