As a 17-year-old student, my first (full) year on the stock market really went better than expected. Initially, I wanted to invest a small part of my "assets" and outperform my call money account - and I did so successfully. My TWR is 59.67%I think that's really impressive for a beginner.

Now to my investments:

My year got off to a rather negative start with the sell-off of Neotech-Metals $NTMC (+0,68 %) a "tip" from a relative - with a 77% loss, I decided to see this investment as a learning opportunity, which in retrospect was worth it. At least I only lost €126 on my first bet.

Savings plan

Throughout the year, I had my savings plan running at €150 per month:

60€ in $XDWD (+0,09 %) -> Later 100€ $VWCE (-0,05 %)

45€ in $XMEU (+0,01 %) -> Later 50€

45€ in $RBOT (-0,31 %) -> Deducted

Since I moved my securities account from Deutsche Bank to ING in April, I no longer have to hold 3 stocks, but can focus on 2.

However, when I turn 18 in April '25, my portfolio will probably move to TR or Scalable.

Investments:

I also had several smaller investments this year $NVDA (+0,5 %) investments this year, which I had chosen without any premonition, just because I like their graphics cards. But that was probably the first stroke of luck in my stock market "career".

I also bought more of them:

21.10. 5 x @ 127,45€

16.11. 2 x @ 134,11€

20.11. 3 x @ 139,63€

This brings me to a total of 20 shares and a price gain of 20.12%.

However, this position is slowly becoming too large for me, which is why I will probably realize partial profits soon.

Another new addition to my portfolio were 2 Tesla shares $TSLA (+0,39 %) which I didn't even hold for a month, but I was able to take a short-term gain of 27.23%, i.e. €175, which really tastes good in such a short time.

The top winner for me this year was clearly the Apple share $AAPL (-0,71 %) which brought me almost 43%. Fortunately, my parents support my interest in the stock market and gave me an Apple share for Christmas instead of an Apple product. In the time since I bought this share until today, it has actually gained 52%, which is of course a great increase in value for a gift. I also received the "bitcoin standard", which is a really great book so far!

So total return is 1632€, of which about 850€ realized.

Goals 2025:

> First, I will probably halve my Nvidia position so that I can buy my first car.

> Leave savings rate at €150 in months without income, increase drastically in months with salary

> More investments in individual shares

> First investments in Bitcoin (I know, volatile, but I'm very interested in the technology behind it)

> Even better financial education, especially with regard to investments

I try to save as much as possible and give up as little quality of life as possible. I am thrifty, but I also like to buy nice clothes or invest in friendships and family, because in the end that is still the most important thing in life!

With this in mind,

A successful year 2025 to all!

3 different and uncorrelated assets.

With a simple, well-defined strategy and diversified assets it is possible to obtain returns = > the market.

$VWCE (-0,05 %)
$BTC (-0,83 %)
$IGLN (-0,54 %)

I'm thinking about moving from the $VWCE (-0,05 %) to the $FWRG (+0,09 %) as it has a lower TER. I know it won't make a big difference, but in the long run and the bigger my portfolio gets, it will make a difference of a few euros. In your opinion, why not go for the ETF with the lowest TER? I usually only read about Vanguard here, but not about Invesco. Many thanks in advance.

Good evening,

I have just come across the ETF $IEFM (+0,14 %) (actually $CEMR, but unfortunately it is not shown here) (Edge Europe Momentum EUR (Acc)) and it seems very interesting to me as it covers the European market. Over the long term, the ETF has had nice growth and the individual companies such as $SAP (-0,6 %) , $ASML (-0,12 %) , $NOV (-0,02 %) but also $RACE (-0,79 %) I like very much. In $SAP (-0,6 %) I am also already invested. However, I am currently also investing in other ETFs such as the $VWCE (-0,05 %) the $IGLN (-0,54 %) , the $DFEN (-0,25 %) , the $VHYL (+0,23 %) (actually $VGWD but it is not shown here either) and the $QDV5 (-0,21 %) . Would it be worthwhile to include the $IEFM (+0,14 %) in my savings plan and thus increase the European share in my portfolio? What do you think of the ETF?