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Seed92 · 2023-03-23T07:47:11.830674Z

Moin Freunde, auch hier ein Beginner-Portfolio. Hab mich zu Beginn etwas durch Finfluencer leiten lassen (ist aber auch schwer, dass nicht zu tun 🙈). Aktuell werden per Dauerauftrag bespart: $BTC $VYM $VWRL Hoff ich hab die richtigen Markiert. Und ab Mai, wegen einer Umstellung im Handyvertrag, werde ich noch die eingesparte Differenz in: $O packen. Sparrate wird im April/Mai auch nochmal überarbeitet. Ziel ist es die ETFs zum Großteil zu besparen sowie meinen Notgroschen auszubauen. Langfristig wäre das Ziel ein Taschengeld an den potentielle Nachwuchs zahlen zu können :) Bzw. etwas mehr für die Rente dann. Mal schauen was ihr so sagt. Gestartet bin ich März 2022, also vor einem Jahr.

Seed92

@Seed

1Año·

Moin friends,

also here a beginner portfolio. At the beginning I let myself be guided a bit by Finfluencer (but it's also hard not to do that 🙈).

Currently are saved by standing order:

$BTC (-1,41 %)

$VYM (-0,56 %)

$VWRL (+0,29 %)

Hope I have the right marked.

And from May, because of a change in the cell phone contract, I will still save the difference in:

$O (-2,24 %)

pack.

The savings rate will also be revised in April/May. The goal is to save the majority of the ETFs and to expand my nest egg.

In the long term, the goal would be to be able to pay an allowance to the potential offspring :)

Or something more for the pension then.

Let's see what you say.

I started in March 2022, so a year ago.

Eche un vistazo a mi Tablero de análisis ¡Ahora!

14 Comentarios

Epi@Epi

1Año

I think it's great how you consciously plan your finances and manage the portfolio! The portfolio itself looks solid, well diversified, but should not bring any special returns, DivEtfs and trend stocks. Diversification across asset classes is missing and a clear strategy is also not yet recognizable. There is certainly something that can be done.

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Seed92@Seed

1Año

Hi @Epi, thanks for your feedback :) Of course you are absolutely right about the diversification. Where I do myself with individual shares really hard currently. But I think that changes with time. I already looked at <security:n/a:NL0000388619> and $NOVO B. Possibly I start there times a savings plan in May.

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Epi@Epi

1Año

@Seed Individual stocks are one thing. What analysis method and metrics do you use? What is your risk-adjusted weighting? Just picking up a few well-known stocks and holding them until panic doesn't cut it. That's one of the main reasons for ETFs. They save you the work and the risk.

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Seed92@Seed

1Año

@Epi so would you suggest that I get into asset ETFs?

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Epi@Epi

1Año

@Seed I would suggest you, like everyone, to think about the different portfolio strategies and then consciously choose one that fits your own life plan (FF, pension...) and your own psyche (risk-affine, risk-averse). Most here know only the alternatives Zockassets, DividendShares, WorldETF, maximum in different combination. But the world of strategies is much bigger, more profound and more elegant. I mention only a few keywords: Levermann, Lynch, Ray Dalio's all-weather portfolio, Golden Butterfly, Faber's GTAA. Very exciting!

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Seed92@Seed

1Año

@Epi top, thank you :)

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Epi@Epi

1Año

@Seed Here you go: https://mebfaber.com/wp-content/uploads/2016/04/GAA-Book-1.pdf

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Gerit@Gerit

1Año

Through Finfluencer you have only found us, you just have to like in the parental home, just let go at some point! :D

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Seed92@Seed

1Año

@Gerit that's right again 😂

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Anne@AnneS

1Año

Is unfortunately private 😅

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Seed92@Seed

1Año

@AnneS so @Epi got it right 😅. No idea what the reason is.

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Epi@Epi

1Año

@Seed Magic fat finger! Not everyone has. 🤞

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Benjamin@master_ben

1Año

Where do you bank bitcoin?

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Seed92@Seed

1Año

@master_ben Moin, I do that with Trade Republic. So they are real coins, but you can't transfer them to your private wallet, at least not at the moment.

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