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Hello, I turned 18 in June and would now like to make use of the opportunity to invest myself. I have already invested for others several times in the past, when I was not yet able to do so with my own money. In this respect, I have at least already been able to make some minor experiences.

The difference now, however, is that I am currently in the twelfth grade, will graduate from high school next year, and therefore do not yet know exactly how much money I may need for moving, furnishing my apartment, and other expenses. In this respect, my investment horizon is different from that of my mother, for example, for whom I invested some money at the time.


Specifically, I currently have 4700 € in savings, monthly 60 € pocket money.

I have now considered to invest some money already once in $XEOD (+0,01 %) as a cash reserve, but with a better return than many of the call money accounts. The ESTR will remain so for a while with the current inflation and the respective key interest rate.


Since the 4700€ is really not that much, I think that single stocks might not be optimal. As I said, I would like to invest for the long term, but future expenses might require me to liquidate some of the positions.

Since my personal interests are in the tech sector and I would claim to be fairly well informed there for that reason alone, I would also want to invest in the tech sector. Due to the problem of individual stocks with my investment horizon and budget, I am considering using Trade Republic's index certificates.

More specifically, I am thinking of

  • Cyber Security DE000SQ4SUT1
  • Mobility DE000SQ4SUV7
  • Semiconductors DE000SQ4SUW5
  • possibly also Big Tech DE000SN8XWV7

In the case of Mobility, however, I am somewhat disturbed by the low weighting of the German automakers compared to a full 10% in the case of $TSLA (+9,97 %) and in the case of $TXN (+2,43 %) the overweighting in my portfolio, as it is included in Mobility, Semiconductors and Big Tech to considerable proportions.

Beyond that, I wonder if that would make me too USA-focused.

I have also never traded this instrument in the past and would like to know from you what there is to consider and especially what speaks against the above mentioned index certificates.

I am aware of the problem that they are not considered special assets and that in case of bankruptcy of the issuer, Société Générale, the investment would not be protected. However, I think that I can neglect this risk, at least currently. As I understand it, this is the biggest disadvantage compared to a corresponding ETF and the elimination of management costs again the advantage.

If you are more in favor of ETFs at this point, which ETFs would you recommend in the sectors mentioned?


Should I invest in individual stocks after all, I would in particular:

  • $GOOGL (-0,6 %) , $AAPL (+0,65 %) and $MSFT (+0,15 %) As a big tech foundation with strong products in cloud computing, AI applications, hardware products, VR/AR, gaming, IoT, ...
  • $ALV (-0,71 %) , and $KO (+1,1 %) as a dividend payer
  • $MC (-2,6 %) To diversify in the fashion and luxury product segment with stable growth
  • $ZAL (+1,5 %) as a German company in online retail, where I can say from my own experience that it enjoys great popularity, especially among my generation, whose purchasing power will increase in the future.
  • $TSM (+0,91 %) to bring in a chip manufacturer and supplier of other hardware manufacturers besides Apple, in order to also indirectly profit from their growth
  • Possibly $BIDU (-4,1 %) as a likewise strongly growing Asian counterpart to $GOOGL (-0,6 %) and $MSFT (+0,15 %) in the areas already mentioned above
  • $1211 (-3,83 %) As an automotive supplier and emerging carmaker itself, especially to also benefit from increasing e-car sales.

to be envisaged.


Otherwise, I would also invest about €30 per month in an MSCI World ETF via a savings plan.


What are your thoughts on how I should proceed? I appreciate your feedback and criticism, especially on the questions regarding index certificates.


Thank you very much in advance!

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I would recommend you to start your investment career with MSCI-World or FTSE-Allworld and to save only this as long as your monthly savings rate is still quite manageable. If you can invest more later, you can add additional individual stocks to your portfolio. For the one-time investment it is certainly recommended to first take the $XEOD until you know how much capital you need for your already planned expenses in the near future. However, I would keep my hands off industry ETFs.
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If you successfully study a STEM subject, you should earn your entire current capital in one month. So apart from the money market reserve, it shouldn't really matter in absolute terms where you invest and how much. So I would suggest that you just try different strategies. ETFs, certificates, B&H, market timing, etc. You can then use the experience gained when money really comes in. Good luck anyway!
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I can only agree with @Dividenden-Sammler. As long as you do not know exactly how much money you will need for your planned expenses, a call money account or alternatively a money market ETF is the more sensible choice. After that, it's best to start with just a world ETF to build a solid base. Once you've built up that position significantly, you can always add individual stocks as you see fit, but even that doesn't have to be an issue. Very cool that you want to start at your age. 👍🏻 Wish you all the best for the future! 🍀
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in the long run (as soon as you know that you can do without the money at least 6-7 years) a core satelite strategy is probably the best option (because unlike the 1 etf solution you are also doing what your text sounds like you are interested in), but the most important was that you have started and now with monthly money to stay I find great (I'm 3 years older and do exactly the same (because student also with similar monthly amounts) .... Stick with it, don't get irritated by strange market movements, the world will not end and even if the money brings you nothing more as long as you are not super rich and find people who still work for money in a doomsday scenario.... if you have fun in individual shares, the expansion of individual shares makes sense to have more fun, but in most cases you will probably do better in the long term with a pure Ftse all-world yield-wise... I think it is also very admirable that you have looked at the statements of your etfs, if you buy ishare (so Blackrock) I can you the ishares analysis tool for etfs (name I've forgotten with googlen you should find it but) warmly recommend, there you can still find exciting additional information
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It's great that you're already thinking about investing at your age. If I were you, I would allocate your savings to overnight accounts or money market ETFs for now. I can recommend you this book 😊: https://www.amazon.de/reichste-Mann-von-Babylon-Erfolgsgeheimnisse/dp/3442163838/ref=sr_1_1?crid=1CZQYEAFYGC00&keywords=der+richest+man+from+babylon&qid=1695203058&sprefix=the+richest+man+%2Caps%2C140&sr=8-1 These are the things I wish I had known about finaznen when I was 18 :). If I were 18 again, I would make it a habit to invest 10-20% of my income in an ETF savings plan right at the beginning of the month. On that note, I highly recommend the Vanguard FTSE All Country ETF as it's a solid long-term option. To me, it would be important to be consistent with this strategy and adjust the savings plan as your income increases. The rate can be higher at times, but I would never let it drop below 10%, which would be my base investment. I would possibly choose the ETF to be distributing rather than accumulating. This would give me the choice of reinvesting the dividends back into the ETF or into individual stocks. This will probably only become really interesting after a term of more than 10 years. Regarding the portfolio, I would make sure to invest in a very broad ETF first. This may not be very exciting, but in your scenario you would still have 47 years until you are 65, and the money can work for you during that time. In keeping with the motto, "Time in Market Beats Market Timing." Then, when you have reached a large enough portfolio size of more than 10,000€ and your monthly savings rate is significantly higher, you could possibly start with small individual positions, but no more than 5% of your portfolio value. In addition, at your age, I would try to increase my cash flow. You could look for a side job on a 520€ basis or consider a vacation job. This could help you to significantly increase your current income of 60€ and thus massively increase your monthly savings rate.
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Personally, I would first build up a core of etfs, 70/30 or all wold and then add satellites. You can put 4000 into the etfs and 700 into a share if you want, have a look at Blackrock. Personal opinion, no advice :)
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