Hello everyone,

I would also like to introduce myself and my portfolio briefly and concisely.

I've been a silent reader for a few months now. Now it's time to reveal a bit about myself.

About me:

My name is Sebastian, I'm 30 years old and I live in Bavaria. I live with my girlfriend in a house I inherited from my parents. I work in the business world as a mechanical engineer.

I can't say exactly when I started investing. I probably started about 4-5 years ago by participating in share bonus programs through my work. Otherwise, my investments have been steadily increasing since the coronavirus era. I was mainly triggered by Finfluencer. There are good and bad things about that. Good: I started investing. Bad: I bought a lot of things stupidly/blindly. I'm now trying to straighten that out and no longer follow such people.

Monthly savings rate approx. 2.5 to 3.0 k€.

I am not fully invested. I have and will continue to have a good cash position.

About the portfolio:

The aim is to create a healthy mix of growth, dividends (growth) and a stable, healthy basis. The dividends also serve somewhat as a "bonus".

As mentioned above, I have (or had) some stocks in my portfolio that I was/am not satisfied with and which I have therefore recently cleaned out and reallocated the freed-up capital. The reorganization process is still ongoing. Roughly speaking, I would generally like to have fewer individual stocks in my portfolio and will shift the weighting to ETFs.

About the individual stocks in the portfolio:

$IUIT (+1,04 %) This is a pillar of my portfolio. It runs with a monthly savings plan for €1000. The idea behind it is an ETF that gives me a good return and ideally outperforms "world ETFs". Sure, it's an ETF from one sector, but I think that's fine. The savings plan will continue to run.
$HMWO (+0,86 %) Also a pillar of my portfolio. Runs with a monthly savings plan for €1000. My selected "World ETF". Savings plan will continue to run.
$XAIX (+0,63 %) I am unsure about this. Also a sector ETF. Runs with a savings plan of €250 per month. Also technology-heavy. I'm thinking about cashing it out to compensate for the losses and to take profits from the current tech hype.
$SHL (+0,63 %) Largest single share position. Created through the share program mentioned above. 250€ monthly savings installment. The shares are sold selectively as soon as all the conditions of the program have been met and I have received maximum bonuses. I then switch directly to other stocks so that the SHL position does not become too large.
$KO (+0,32 %) It has recently become a pillar of my portfolio. Dividend growth, acceptable share price growth, few fluctuations. I like it. Will not be expanded for the time being.
$MCD (-0,44 %) See CoCa Cola. Has recently become a pillar of my portfolio. Dividend growth, acceptable share price growth, few fluctuations. I like it. I also see the share as strong in the real estate sector. Falling interest rates could trigger another good move here. Will not be expanded for the time being.
$GOOGL (+2,95 %) difficult. It has performed well, but is now considering realizing profits. Through my ETFs. I already have this stock indirectly in my portfolio. However, I have deliberately increased the weighting of this individual stock in my portfolio. Rather than buying more, I would rather take profits. However, I would add to it again after a correction.
$MC (+0,01 %) To be further expanded. Target 10k in the portfolio. I used the last small price slide as an additional purchase. Long-term investment. Will be bought at the next opportunity.
$AMZN (-0,2 %) See Google. I already have this stock indirectly in my portfolio. However, I have deliberately increased the weighting of this individual stock in my portfolio. Rather than buying more, more profit-taking. However, I would add to it again after a correction.
$JNJ (+1,79 %) To be further expanded. Target 10k in the portfolio. Dividend growth, acceptable share price growth, few fluctuations. I like it.
$PG (+0,17 %) Recently added to the portfolio. This stock should give the portfolio further stability. Target of €10k in the portfolio.
$V (+1,63 %) Recently added to the portfolio. This value should give the portfolio further stability. Target of €10k in the portfolio.
$NKE (+0,08 %) Difficult position. The recent dip was hard. Outlook also not good, if not bad. As things stand, I would like to sell this share. But I am reluctant to sell with a loss of just under € 1k. I will probably hold on for a while and then decide objectively. I had invested a little here after the dip in order to take advantage of a potential countermovement. I could have saved myself the trouble...
$BLK and $TROW (+0,15 %) same segment. I would like to decide on a share here and then expand it into a pillar of my portfolio. But which of the two...?
$SBUX (+1,6 %) Doesn't really fit into the portfolio anymore. The outlook isn't great either. I will probably sell it at +-0€ and shift the capital into a position to be expanded.
$MPW (-1,68 %) Legacy and memorial! Will continue untouched for now.

Of course, there have also been some failures so far, some of which have depressed performance considerably.

Any examples?

$YSN (-0,46 %) : -36,80%

$PLUG (+0 %) : -61,58%

$PYPL (-0,75 %) : -14.68% (good luck for bad luck...)

$NKE (+0,08 %) and $MPW (-1,68 %) can probably be counted as well.

That's it. It has become a smaller wall of text. Sorry for that.

Feel free to give me feedback on my thoughts and the portfolio.

Have a nice weekend everyone!

Pope Donkey XXI@DonkeyInvestor

1Año

Great portfolio presentation. Others can take a leaf out of your book 👍

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Ver todas las 2 respuestas adicionales

Divids@Divids

I think it's good! I have a more positive view of Nike and MPT than you do. I bought both in the last 10 days. For me, Nike is a brand to leave lying around, so for me it has a long horizon of up to 10 years or more

Norman R.@Heisenberg2107

His great-grandfather, short and sweet

Testo-Investor@Testo-Investor

Everything double and triple and very usa heavy. Longterm not good

Ver todas las 3 respuestas adicionales

ETFKing@ETFKing

Very successful presentation of your portfolio with comprehensible reasons & learnings from your decisions. You can be inspired, thank you & keep up the good work!

Hats off to this high savings rate! 🎩

Domi@Domi9191

Great portfolio colleague, I also work at $SHL. Best regards

Anna C.@Anna_1988

Wow! All stark👏🏻👏🏻

Kevin E.@KevinE

What is your basic goal and investment horizon?

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sebbraun201@sebbraun201

@KevinE for this year is to break 200 k€. In the long term, classic "financial freedom" which should enable me to stop having to work full-time.
The investment horizon is certainly another 25 to 30 years.

@sebbraun201 with your stats: easy I would say.
170k€ custody account, 2k savings installment per month, 25 years average return of 5% adjusted for inflation.
Results in a portfolio value of approx. €1.7 million, an extremely safe withdrawal rate of 3% net would result in €51,000 p.a. (as I said: inflation-adjusted to the year 2024). That should be enough to stop working full-time.
Sounds a bit too defensive - or you simply have to put a bit more money away for consumption, then the investment horizon fits better.

@KevinE your word in God's ear 👍 a lot can change over time, of course, which has an influence on savings rates or similar. we will see

@sebbraun201 That is often the "problem". Property (probably done for you, unless you want something else), and children (don't necessarily result in extremely higher expenses, but usually a loss of income).

BigMo@Molizi_SERNOVA

Bin TROW Fan Boy. :)

Ziyang@Yang

I also have some of your "fails" in my portfolio: I think Secunet is also beyond -25% and Paypal should be around -18%. How do you deal with such positions? I've always held stubbornly so far, but that wastes a lot of time.

@Yang I'm the type of person who holds the shares longer in order to sell without making a loss. However, if there is no prospect of a turnaround, such as a good outlook (but rather the opposite, a poor outlook), then I will sell at a loss if necessary and switch to more promising positions.
If you are still convinced by the company, I would get back in as soon as the turnaround is foreseeable or has already been initiated. (Outlook etc...)

@sebbraun201 Thanks for your advice! I am very similar, until now it has usually worked out quite well and I never had to wait very long for a trend reversal (most recently Siemens Energy, for example, which I then sold at a profit after the significant rise). What do you think of the two stocks mentioned, Secunet and Paypal? I see you have sold them in the meantime? I have Secunet, Paypal and Biontech, each of which has a 20% holding in my portfolio. One possibility would be to sell at least Secunet and Biontech and put the rest into the MSCI World.

I bought Paypal because of a well-known finfluencer. I think most people know who is meant... 😉 Didn't feel like it anymore. Constant promises, constant disappointments. Plus underperformers. That's why I'm glad I sold. Albeit at a loss.
I would have sold Secunet after my stop loss took effect. I wasn't angry about it either, as I see this stock more in the speculative corner. I want to keep my distance from such shares for the time being. I am now focusing more on continuity.

@sebbraun201 Thank you! I wish you continued success!

Mikee@Mikesam0416

11Lun

No $VOO or $SCHD ? I think $NKE will recover...