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 -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 (+0,53 %) 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.
