1Año·

Good afternoon, I decided to invest my money a few months ago because I think it's the first step to build up my own wealth at that time with the help of oskar and the bank, but it didn't take me a whole month to say I'm now investing on my own

I have shared my portfolio with you. apart from the MSCI World and s&p 500, I have invested in equities with dividents and a little more in tech and cyber security, to my person and plans i am 19 years old and have "unfortunately" developed an addiction for investing after deducting insurance and some gas for work i invest the rest of my money as i am still an apprentice that's about 400€+ a month after completing my apprenticeship this should continue then i am already aiming for +1000€ a month i fortunately have the luxury to live with my parents in our own house and my plan is to become independent in about 15-20 years

I'm looking forward to the comments

Best regards Günter✌🏻

92 Comentarios

1Año

I don't even need to look at your portfolio. With 77 positions and an investment total of just 700, all I can think of is. OMG🙈

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144

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Ironman@Ironman2022

1Año

@GordonGekko83 I can only agree with that

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Lukas K.@Lukas_kr100

1Año

@GordonGekko83 I don't understand your problem. Imagine SAP goes bankrupt. Then at least you've only lost €1.80 😅🤷🏻 perhaps it would make sense to divide the existing positions among a further 77 companies, then we'd be at just €0.90 in the event of a total loss

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Gunter@Gxnter

1Año

@Lukas_kr100 I haven't quite understood the problem yet either🤔

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Dennis@GordonGekko83

1Año

@GordonGekko83 Who sends for the doctor? 🤔🙈

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Usuario eliminado

1Año

Comentario eliminado

Ghost2015@Ghost2015

1Año

@GordonGekko83 the transaction costs were certainly higher than the value of the shares

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Lukas K.@Lukas_kr100

1Año

@BuyHighSeIlLow if you have to say afterwards that it was irony, then it's not so funny anymore

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Gunter@Gxnter

1Año

@Ghost2015 i pay transaction costs of 0.15% if i had put the same into a share i would come out with the same.

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Dennis@GordonGekko83

1Año

@Gxnter put in! You definitely won't get out with the same transaction costs! I assume 0.15% refers to a savings plan?

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Ghost2015@Ghost2015

1Año

@GordonGekko83 this is what it looks like

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Ver todas las 6 respuestas adicionales

Rob N.@Robnear24

1Año

What are you hoping to get out of the €10 positions? That's a bit scary.
Focus on the sp500 first, then you'll beat the majority of investors in the world ;)
If that's too boring for you, create a play portfolio with individual stocks.

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Ph1l1pp@Ph1l1pp

1Año

@Robnear24 tenbagger

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m4ss@m4ss

1Año

Moin Günther, use the comments already written and change your strategy. Keep saving the Msci World or $VWRL for now, liquidate your individual positions and get some input from the community here first👍

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Max Z.@max233

1Año

I think you should honestly open a few new positions💪

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Patrick@Patrick-2800

1Año

Far too many shares for the size of the portfolio. Make 1-2 ETFs and 5 individual shares if you like. If you own shares worth €4-8 and receive dividends of 3-5% 🤷🏼‍♂️ you also pay tax on each payout etc

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Robin@Robin992

1Año

If you save for 15 years and put aside €1000 a month, can you be independent of work? Then you might have 300k€. And then? Then you're 34 years old, you might get a dividend of €1000 per month. A low pension later on too. So you limit yourself now and save (which I think is good) only to have to continue to limit yourself because you don't have enough money? Don't forget to live :)

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Oskar@oskaroderso

1Año

Oskar recommends a single ETF 👍🏻

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Gunter@Gxnter

1Año

I don't want to be unintelligent, but what is the problem with the many positions?

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Krush82@Krush82

1Año

@Gxnter I don't know why you have chosen so many and exactly these stocks and what your actual strategy should be? You want to build up assets, so you have to invest accordingly. The micro-positions have zero impact, even if a few of them double in value, it will have virtually no effect on your overall portfolio value. My tip is to either invest everything in 1-2 ETFs until you have reached a certain target size or build a concentrated portfolio of quality stocks that have the potential to achieve a CAGR of more than 15%

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DieEnte7@DieEnte7

1Año

@Gxnter It simply makes it difficult to build up anything sensible with individual stocks. 10 and even €100 won't get you very far in the long term, even if a single share performs well. The ones that do poorly then spoil your small success with the ones that do well. It's basically like an ETF, only probably worse. Basically, you combine the disadvantages of an ETF with the disadvantages of individual shares and only enjoy the advantages to a lesser extent.

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Gunter@Gxnter

1Año

@Krush82 the majority of the individual shares all pay dividends and care has been taken to ensure that these remain stable the distributions are distributed throughout the year, i.e. I receive distributions almost every day, whether I own a share worth €500 that pays me €20 a year or 50 different shares worth €500 that also pay me €20 a year makes no difference, or am I wrong?🤔 i only pay 0.15% processing fees on my broker anyway, i.e. the same, i'm not hoping for any price increases with these shares i just like to see the reinvestment of my distributions and, as i said, i get news about dividend distributions almost every day, even if it's just a few cents

I will increase the tech and cyber security stocks quite a bit but my main investments will be in the msci world and the S&P 500

My goals for now are 1000€ in the dividend stocks

10000€ in the s&p

20000€ in the msci world

And about another €2000 in tech and cyber security stocks, which should be about 15 different ones

Please enlighten me and why this is the wrong way to go

Kind regards Günter

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Krush82@Krush82

1Año

@Gxnter Dividends at a young age / when building up assets or for small portfolios are generally nonsense. There are also one or more articles on this topic here. Just "search"

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Moritz@MoKi28

1Año

@Gxnter what do you get out of dividend shares?

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erT@erT

1Año

@Gxnter What are the costs of selling? If you ever have to sell, you will pay more fees than you earn from the sale. From a return perspective, it doesn't really matter whether you have 700 positions with a portfolio value of €1k or €1m. However, individual shares have to be "maintained", which is a lot of work for many shares and is not in proportion to the capital invested for each company. An analysis of the annual report with one hour of work makes more sense for a €10k position than for a €10 position. In addition, the more positions a portfolio contains, the closer it gets to the benchmark index. So, at least from a return perspective, many positions do not always make sense. If you absolutely want to invest in individual stocks, then I would also choose 15-20 stocks to start with. This is enough for diversification and the points mentioned above are put into perspective.

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Gunter@Gxnter

1Año

@MoKi28 I just really like that feeling of you've earned something and you do it every day

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erT@erT

1Año

@Gxnter I can well understand that, I don't see dividends as negatively as is sometimes expressed here. Both views have pros and cons. If dividends motivate you and you don't pursue this strategy naively, but take the negative aspects into account, then you can definitely achieve your personal intentions and successes. In my view, you have to find a middle way for yourself. Everything can be beneficial or detrimental if you overdo it or go about it the wrong way. If the price for particularly high distributions or distributions on certain dates is too high (e.g. lack of performance or too high, unsustainable distributions) then you should reconsider.

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Moritz@MoKi28

1Año

@Gxnter but maximum return is the most important

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Gunter@Gxnter

1Año

@MoKi28 it makes no difference whether you have 50 positions that all yield €2 a year or 1 that yields €100 a year

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Ver todas las 7 respuestas adicionales

stock_whiz_48@stock_whiz_48

1Año

Quick question. I'm new here. Are these all individual actions? If so then get an ETF is clearer etc.

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m4ss@m4ss

1Año

@Gxnter If you take the comments to heart, please post a portfolio update in the future🤗

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“Klaatu_Barada_Nikto!“@Ash

1Año

Holy Guacamoly! 🤯

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DieEnte7@DieEnte7

1Año

I agree with the others here. 77 positions are clearly too many, especially with such a small investment amount. Even if you plan to build up the portfolio, it will take ages before you really reach a size where your investments will give you a corresponding return. One twentieth of a Microsoft share won't get you very far. What I think is good is that many of your investments are good companies in principle. However, it's better to focus on the ETF and then invest in a few companies at the same time until they have reached a satisfactory size. For example, if you have €400 a month, you can put €200 into the ETF and €50 each into four different shares until they reach €500-600 and then four more. I wouldn't build up more than 30 positions - but everyone is different.

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Kai@Dividenden-Sammler

1Año

I can only agree with everything that has been written here - an example of how not to do it.

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Toni@aktiendummy

1Año

No trading costs for 77 positions of €5 each... which broker do you use? 🤔

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Gunter@Gxnter

1Año

@aktiendummy Traiding 212 there the transaction costs are 0.15%

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Jonas@Habgieriger_Halunke

1Año

@Gxnter Have you thought about taxes?

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Aktienmasseur@Aktienmasseur

1Año

Buy 1-2 ETFs and stop picking stocks

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MarTheRadi@marda304

1Año

@Aktienmasseur I agree. If @Gxnter is then at 100K€, then he can buy such toys. But at €700, that's wasted energy.

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Gunter@Gxnter

1Año

@marda304 i just want to invest a small amount there first and then focus completely on the sp and wrld etf

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Aktienmasseur@Aktienmasseur

1Año

@Gxnter It just doesn't make sense

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stock_whiz_48@stock_whiz_48

1Año

World ETF is perfectly adequate. You have well-known companies and you can find almost all of them there.

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TreasureHunter@TreasureHunter

1Año

@tommycash 700 in 77 positions, but he receives a daily dividend. Certainly no more than €0.03/day. Wouldn't that be something for us too?

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tommycashless@tommycash

1Año

@TreasureHunter believe that this will turn the dividend snowball into an avalanche in no time ⛷️⛷️

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Gunter@Gxnter

1Año

@TreasureHunter @tommycash Do you mean that ironically or do you actually think I'm not that stupid?

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Eggplant@Eggplant

1Año

@Gxnter They mean it ironically.
But does that matter to you? You've thought about a strategy and the way your portfolio looks, the commentators' tips make no sense at all.
As soon as you even start to sell something, you put on....
Your goal is dividends, then just stick with it. As you have already noticed yourself, whether you have a stock that yields 100 euros in dividends. Or 100 that bring 1 euro, ultimately makes no difference.

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Eggplant@Eggplant

1Año

@Habgieriger_Halunke So a sos like that is rarely stupid. If you would like to correct one or more specific points, just name them, then we could go into them in detail.

He has set out his strategy, you don't have to like it, but you could at least take it into account when replying.

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Moritz@MoKi28

1Año

Your portfolio is almost as horrible as your spelling 😅

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Leonard@Osiriz

1Año

What you're doing is nonsense. 77 positions with small amounts cost over 10% of your portfolio value to liquidate with low-cost brokers like Trade Republic.

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Gunter@Gxnter

1Año

@Osiriz is wrong if you had read the article you would have read that i only have to pay .15%.

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Ironman@Ironman2022

1Año

Oh God, please let it be a fake PF🙏🙏🙏🙏

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SP@spellwan

1Año

How do you do that? With just under 700 euros 77 positions?

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Gunter@Gxnter

1Año

@spellwan i have reinvested a small amount in all the positions i want to take in the future with traiding 212 there are community baskets that work similar to etfs i am in 5 different ones including the sp and wrld etf

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Banana M.@Banana_Millionaire

1Año

Dude...🤣🤣🤣🤣 Please tell us you're just trolling.

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Gunter@Gxnter

1Año

@Banana_Millionaire 😕

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Jan@Jan-Niklas96

1Año

If you absolutely have to have 77 positions then I would rather gradually build up the portfolio with 50€+ amounts instead of playing around with 5-10€ per position.
Due to the transaction costs, it takes forever until you are in the +.

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JW@jwilhelm

1Año

Ordergebühren 📈📈📈📈

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Gunter@Gxnter

1Año

@jwilhelm in the meantime I can only answer with 🤦🏼‍♂️🤦🏼‍♂️🤦🏼‍♂️

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JW@jwilhelm

1Año

@Gxnter inwiefern?

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Jonas@Habgieriger_Halunke

1Año

@jwilhelm he trades via a Bulgarian provider who collects a flat rate of .15%

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port01_andy@port01_andy

1Año

sick

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LarryLindt@LarryLindt

1Año

If you want to hit your dopamine daily just park some money in your clearing account, trading212 pays interest daily...
Since your portfolio is no longer transparent I assume the comments were clear... none of my single action picks have ever outperformed my ETFs (in the long run)

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BVLGARI@BVLGARI

1Año

Oh dear Gunter

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Bakfietsmeneer@Baklapverkoper

1Año

What the heck

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Christian@WarrenBuffettsVater

1Año

Legend

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Nabbii@Nabbii

1Año

Hello Günter,

I've been thinking for a while about whether I should write to you, as enough has already been written. But I think you're slipping into the same dilemma as me.

I have been investing since Neobrooker times, i.e. just over 3 1/2 years, and I think the fact that it is so cheap is also the problem. I acquired 35 positions in shares quite quickly, always one or two at first. I then wanted to invest in them every month. But always whole shares, not bits and pieces, I don't like that in a single "security".
In any case, I wanted to have a connection to each share and get involved with the company. After all, you are a shareholder!
I also decided on five ETFs, the usual, nothing special.

Now, after three years, I realize that it's all nonsense and I'm reducing my positions. The strategy remains:

70% equities, 30% ETFs
Anchor portfolio of a maximum of 25 shares
Buy & Hold
Dividend quality

This is currently working very well and I feel much better than with many small stocks.

Best regards
Nabbii

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Ver todas las 3 respuestas adicionales