18H·

Do I think my portfolio is too complicated?

Hey dear users,

I probably have a very complicated portfolio composition, with which I can actually sleep very peacefully - nevertheless, I would be pleased to receive one or two assessments from you.

I am now 21, so I still have a very long investment horizon. I currently invest around € 1100 per month in my portfolio.

Sometimes I still ask myself why I don't keep it "simple" - like VWRL, TDIV, gold, Bitcoin... done.

Individual companies probably appeal to me too much.

Hence my breakdown:

Buy&Hold/Dividend growth depot= 60%

Grow-Depot= 40%

Buy&Hold-Depot

Divided to 45% -base =65% $VWRL (+0,23 %) & 35% $TDIV (+0,07 %)

5% crypto = Bitcoin, Solana, ADA

50% individual stocks, as well as gold from 12% to 3.5% "portfolio share"

Grow depot

Each position should be expanded to 10%. These are only companies that historically perform very well & are relatively attractive to me. (Nvidia, Broadcom, Amazon, Iberdrola, Cintas, Booking, Costco, SchneiderElec, Intuitive Surg, ServiceNow.

33Puestos

47.923,02 €

4,94 %

12 Comentarios

Tenbagger2024@Tenbagger2024

18H

Hello my dear,
Thank you for your introduction.
I have a few questions and perhaps suggestions (just my thoughts).
Do you want to expand the ETF even further?
Does it then make sense to further expand the individual positions?
Because your individual positions are mainly large caps which are already in the ETF.

Hence my suggestion:
Expand the ETF further (CORE)

Reduce the large individual positions that are already in the ETF.

And instead as satellites.
Select mid and small caps as individual positions.
Here you can determine your own risk.
There are some good quality companies among the small and mid caps.
But also great growth stocks, which might be a little riskier.

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Felix@FelixFelix

17H

@Tenbagger2024 Thank you for your comment 😃 Yes. The TDIV is currently primarily saved in order to grow quickly. In general, ETFs should make up about 40% of the total portfolio. But I understand the approach. (I will think about it)

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Tenbagger2024@Tenbagger2024

17H

@FelixFelix
So think about my suggestion.
It would be better to take individual positions in stocks that are not already in the ETF.

Among the mid caps there are some growth stocks which could perhaps be an additional booster.
However, this requires a precise analysis and no fomo or hype purchases.

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Felix@FelixFelix

17H

@Tenbagger2024 Very good incentive, thanks for that 😃

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Sina@lawinvest

15H

@Tenbagger2024 Otherwise I really agree with a lot of what you say... but here I disagree.
However, I think that what you say is also correct and an approach, but: assuming that the above stocks in the msci world are the return drivers of recent years (at least for the most part), this does not achieve diversification, but potential excess returns through deliberate overweighting.

This does not apply directly to the lower (market cap) overlap areas, but here too a deliberate overlap is not wrong per se, because in this way the corresponding companies, which account for only a fraction of the money in the world, are deliberately pulled higher.
Caterpilar, for example, is not high up in the world, but has put in a strong performance.

My approach does not achieve greater diversification, but it does offer potential excess returns.

That's why I think leaving the basic structure as it is is also a good approach
But I also think: a little of what tenbagger says doesn't hurt at all. But I wouldn't start rebuilding fundamentally

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Tenbagger2024@Tenbagger2024

15H

@lawinvest
I'm delighted to hear your objections and experiences.
Your objections even confirm my investment approach.
Not even to invest in an ETF in which Tesla and Apple have a high share. Although I'm not convinced by either company.
That's why I directly pick the stocks with excess returns and put them in my portfolio as individual positions and build my core from them.

I then tend to choose smaller growth stocks as satellites.

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Tenbagger2024@Tenbagger2024

15H

@lawinvest
It's good that you raised this objection. Because I wouldn't sell all my individual positions now either. But I would think about how to make my further investments.
What would be your next course of action?
Expand the ETF further?
Continue to expand existing individual positions?
or
add mid caps which could be boosted again?

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Sina@lawinvest

14H

@Tenbagger2024 I'm involved in everything. It's the mix that counts.
If midcaps are to be included (I think that's a good idea), some large caps will have to be reconsidered (capital).
Expanding the core is never wrong per se. In this case, however, I think it's better to hold the percentage share continuously, as it already has quite a lot of weight (i.e. expansion only in line with holding the share).
Unless you want a little more calm and stability. Then, of course, it's a different matter

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Tenbagger2024@Tenbagger2024

14H

@lawinvest
Great to exchange ideas with you.
So the performance of his portfolio.
Individual shares 5.94%
ETFs 4.95%

This shows that his selection of individual stocks beats the ETF. In other words, it makes sense to expand individual stocks. However, I am of the opinion that he can still improve the performance of individual stocks with a few growth stocks.

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Felix@FelixFelix

13H

@Tenbagger2024 @lawinvest my goal is definitely to outperform the "market" - I will definitely not fundamentally rebuild anything... but I am very happy to accept the idea with the MidCaps - my ETFs run as an anchor, most individual stocks as boosters - stupid question but which company would you throw out in my case & replace with MidCaps?

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Tenbagger2024@Tenbagger2024

13H

@FelixFelix
That's not a stupid question. It's a good but difficult question.
I've seen Walmart and Cosco, so the question is whether you need two big retailers.

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