1Año·

Good day,

I am 25 years old, a self-employed electrical engineer and have been dealing with shares for about 2 years. I know in this area average well, am absolutely no professional.

My goal is to build up a good long-term portfolio with individual shares.

I have 3 funds with my bank, which I can not mention here.

In an ETF I can not pay in the house bank monthly, therefore the funds. (Would have of course rather e.g. a Msci World or....)

And pay into an online broker I do not know, call me old-fashioned but that is too uncertain for me, I do not know much about it and am afraid that there is the online broker suddenly no longer and everything is gone.


My shares I bought earlier was mostly a mistake have bought too quickly or erwas read and that sounded so good have bought in greed. This should not continue now.


Well now to my shares, strategy I follow actually no right, have also too little time me daily several hours to read through. Often I look what do people buy, what do they use every day, from which brand is the....usw. In this respect, I read magazines or online and if I like a share, it first comes to the watch list, there it is not bought for 1-3 months because I do not want to be blinded. Each magazine, online article or video writes a company so special and future-proof that it affects my opinion, and therefore I wait a certain time until I deal with the companies.


In this respect I use most tradingview, aktienfinder pro and finanzen,net and a few others but not so often.


With the shares I have looked at the annual return of the past years, on the fair value, profit flow, profit of the next years and on other figures where I know less well. (This is just my opinion, I am absolutely not a professional, please correct me if I am wrong)

The shares are all long-term investments and I plan to hold them for several years,


$RACE (+0,5 %) is an Italian company and therefore I would pay less tax on the sale at some point as an Italian citizen, but that should not be a reason, the last few years have gone very well and I also believe the luxury companies in this period can pass on the price increase well to their customers (SIMILAR TO $LVMH)

Unfortunately, I do not know how it looks with the E-cars if in the distant future only such are sold. How hard Ferrari is doing.


$MDLZ (+0,18 %) I have looked at the 10 largest food companies and for me mdlz is the share that has the most potential to the upside, whether it is fair value or profit flow is still a lot up in it


$MCD (+0,2 %) a rather low-risk company, I believe that mc donalds will still exist in 20 years, and when I look at the competition I see mcd far in front


$LIN I think is also a low risk company and with their business model I see in the next few years certainly a higher price


$NOVO B A pharmaceutical company never hurts. With a profit of 32% over sales and the latest drug that makes you slim you are way ahead of the competition. They are slightly overbought, but they always feel that way.


$LNG (-1,33 %) and $EQNR (+2 %) is rather risky, here I am talking about the LNG that will go to Europe in the future and the two companies are already working profitably, if you assume the next few years that they will go a lot to Europe then I think the company will rise.


$AZO (+0,12 %) have dealt rather less with it, are a US Autoreperatur company with service and sales.

I do not know why but the company works well no negative numbers. Profit of the next few years should also be very good.


$V (+0,57 %) I liked to have a payment service company where little risk is and according to figures Visa is from me seen better positioned than Mastercard.

$SIE (-0,13 %) I wanted to buy actually only that I have not everything in Us company, I am currently but not quite convinced.

$PETR3 (-0,29 %) Since I am a small gambler I would like to invest a small part here. It simply attracts with the high dividend and if the oil business is still profitable for a while it could be worthwhile.

In addition, half of the company belongs to the state of Brazil.


Yes that's it, I am not a stock expert, I hope for an honest opinion.


Thanks to @DividendenWaschbaer

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Thank you for the introduction. First of all, you should not be afraid to open a custody account with a neobroker. First of all, your shares / ETFs are part of the special assets and belong to YOU alone. No matter if the broker is broke or not. If you are worried about your money on the clearing account, this is also protected by the statutory deposit insurance up to 100k. Therefore, there is nothing against it. The disadvantage of a new broker is that not all securities are tradable. For this, there are then the other brokers. I think that probably everything is better than what your house bank offers. Another thing, if you have no strategy, you should probably leave the fingers of individual shares and simply invest everything in a world ETF or comparable.
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Thank you for taking the trouble. You can also do something with it 😊 So you write yourself that you do not know very well and also have no time to deal more deeply with the respective shares. Therefore, my tip is: take an all world ETF and save there. This way you are well diversified and don't have to worry about anything. Regarding buying ETFs: pretty much every bank has its own broker. Sparkasse has the SBroker, DKB has its own securities account and so on. You can also buy/save ETFs there. So you just have to ask your bank for a securities account. Depending on which funds you have there, it may be worthwhile to exchange (but not necessarily worthwhile). But you have to calculate that. It can be that it is also good to let them continue. Regarding the individual values it is difficult to say something about it. You mentioned some good and solid stocks (e.g. McDonalds) others I don't know, and still others (e.g. Autozone) I think are risky. I don't know them but just because they are in the black doesn't necessarily mean they are a good investment. What is the moat about an auto repair shop? They're relatively easy to replace, so you should definitely look at the basics. So what options you have where to buy which stocks/ETFs, which strategy suits you best and so on. Because of your past you have already learned not to make impulse buys. That is already a lot of value. Find a strategy and then stick to it. For the beginning I repeat myself: open a securities account at the bank of your confidence, after you have informed yourself about the costs, take an All World ETF and save it. Good luck.
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Why not a bank like ING for the deposit?
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So short and sweet: You have no time to deal with individual shares and do not know well? Then stop with individual shares. That has nothing to do with investing without the certain know-how and is just gambling. Yes, maybe you're lucky and hit exactly the right ones - but that's just luck :) If you want to gamble then do it separately and see it as gambling or hobby gambling and do not do that with your monthly rate that is intended for investing. About your banking situation - so do not get me wrong but you will have to deal with these "new technologies" sooner or later even if they are not new anymore.... It is quite clear that branch banks will die out. The business model is simply outdated and no longer profitable. In my opinion, the chance that a branch bank will go bankrupt is at least as high as that of a neo-broker or online bank. Fortunately, you live in Germany and you can rely on some regulations here. Just look for a German based online bank or a neo-broker with German deposit insurance and you are on the safe side. Then you can throw the active funds out of the depot and simply shift into an ETF. (Unless the funds out perform the MSCI World even after fees) If you do not get involved to warm up with these new technologies it will be in the future only harder for you and not easier in everyday life :)
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It doesn't matter to your shares if the bank goes bankrupt, because the shares are stored at a central depository. And it doesn't matter to the central depository if you bought at a neobroker or your house bank. Your risk is much higher with your bank fund and the only one who makes a return is your bank with the fees.
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$RACE I had bought then at the ipo and sold in 2021 I would buy them again at any time. Why should we as Italian citizens pay less tax on profits?
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If you are afraid of Neobroker, then go to condirect or ing diba. but the shares are special assets anyway, so do not panic. if you are already so fearful, then I do not understand the strategy with the individual shares, then rather buy an Etf. I Personally find the individual stocks, which you have picked out there not bad
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$SU you could perhaps consider as an alternative for $SIE
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