2D·

Reallocation

Good morning everyone,

I am toying with the idea of restructuring my portfolio and focusing more on individual stocks and risk

I currently have three ETFs that I save monthly.

The idea would be to put everything into the $VWRL (+0,15 %) and put some of the reallocated money into new positions.

I have some stocks on my radar that I would like to get into:

$RKLB (-4,95 %)
$IREN (-4,6 %)
$HIMS (-0,91 %)
$NU (+2,66 %)

Would love to hear your thoughts and opinions.

Comments, suggestions and other ideas are welcome.

@Hotte1909
@Multibagger
@Tenbagger2024
@lawinvest
@Liebesspieler
@Iwamoto Especially your opinion would be helpful here.

Thank you, have a nice Sunday.

12Puestos

16.209,69 €

7,28 %

15 Comentarios

Liebesspieler@Liebesspieler

Exciting selection - but be aware that all four stocks are significantly more volatile than an ETF like VWRL. These stocks fluctuate strongly, live on sentiment and already carry a certain hype factor, which increases both opportunities and risks in the short term. Whether you want to do this depends on how much market pressure you can withstand and whether you are investing for the long term or taking a tactical approach.

I can say something about Nu Holdings in detail because I hold the stock myself: The company is an exciting fintech player from Latin America with over 100 million customers and a scalable, high-margin business model. The current share price is around €13.70, i.e. above the attractive entry zones (€10.5-12.5).
In my opinion, the risk/reward ratio (CRV) is rather neutral at this level: Subsequent purchases or initial purchases are a good idea below € 12, while initial profit zones start at around € 17. In the long term, growth remains convincing, but entering the market now means that you are already buying into a certain amount of optimism.

In short: Exciting stocks, but all with a story premium - anyone entering here should know what they are getting into.

•

Chris@Multibagger

I have all but $NU in my portfolio. $IREN is my largest position. However, I also bought it at €9 and sold it at €50. I then bought my last tranche of the share again at €42. I also have a derivative with low leverage, which I topped up on Friday when the price fell. All have opportunities that are higher than the market average, but also a correspondingly high risk.

•

HeHo2208@HeHo2208

Hello, so if this were my portfolio:

Alibaba - stake out and put half the money into your VWRL in 2 tranches and then supplement with monthly savings plan. Use the other half for your possible new individual stocks.

I would leave the existing ETFs as they are, possibly saving less.

•

Kai@Dividenden-Sammler

I see individual stock selection as hype or influencer stocks that are currently taking off and are now triggering FOMO for some. Whether it makes sense to get in after they have already done well .... I wouldn't do it.
In any case, they are quite volatile stocks - I would even say gambler stocks.
I wouldn't limit myself to such individual stocks - you certainly can't say anything against 1-2.
Or how high should your core $VWRL be in % of the overall portfolio?

•

userc7755b0f2d8b4129@userc7755b0f2d8b4129

@Dividenden-Sammler would set this at around 10,000 euros now and then continue to save constantly each month. Then invest the rest in individual shares

••

Alex@nitroxx

My personal opinion is not to liquidate a safe investment in order to play riskier. Then leave the ETFs and build up new positions...

•

Wiktor_06@Wiktor_06

I take the same approach. I have 35% in an ETF. And the rest is in crypto and individual stocks. It's not going particularly well so far, but what the heck. I'll just wait. Nu has done very well.

•

Leon@Investingyoung

Simple question, how old are you?

•

userc7755b0f2d8b4129@userc7755b0f2d8b4129

@Investingyoung I am 23 years old

••

Leon@Investingyoung

@userc7755b0f2d8b4129 then you can take more risk for growth.

•

Patrick Schäfer@Hotte1909

I am invested in each of your picks. I'm still extremely bullish on Rocket and Nu in particular. Of course, they are all quite volatile stocks. You have to be able to live with that. High risk high profit.

•

userc7755b0f2d8b4129@userc7755b0f2d8b4129

@Hotte1909 I would risk more, which titles it would then come down to would come in the next step

••

Patrick Schäfer@Hotte1909

@userc7755b0f2d8b4129 the selection is good. It's just high risk

•

Tenbagger2024@Tenbagger2024

I can only agree with that. But actually I can only write something about NU. In the banking sector, I would rank NU among the somewhat riskier stocks. But also with potential and opportunities.
I also recently presented $INSTA in the sector, but I think the risk is similar. But with the advantage of a high dividend yield.
On the positive side, I see nu's expansion and approval in the USA.
The risk is South America with partly unstable governments.
Spread of Mercado Libre in the sector.
Recently, European banks have also discovered South America.
Why go so far afield when you have good opportunities on your doorstep.
I also see a lot of potential in European banks.
But I myself am also invested in NU.

•

userc7755b0f2d8b4129@userc7755b0f2d8b4129

The question is also whether it generally makes sense to switch into the All World now? Then I would have an ETF on the safe side that I save constantly every month.
What is the opinion here?

•