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Raz · 2024-04-24T21:48:58.058868Z

Hey Leute! Ich melde mich hier jetzt auch mal nachdem ich schon seit paar monaten ein acc habe, aber nie wirklich viel mit der App gemacht habe. Ich habe schon echt früh mit 18 angefangen hin und wieder bisschen zu investieren, habe dann nach paar up and downs (2021 war kein einsteigerfreundliches jahr 🥲) ,meinem großen ersten Verlust durch $ACC und meinem studiumbeginn kaum noch investiert. Seit 2-3 Monaten bin ich wieder aktiver dabei und will mir auch endlich ein gescheites System aufbauen. Aber bin bisschen überfordert und bräuchte bitte ein Paar Ratschläge🙏🏾 1. Ich weiß ich habe zu viele Positionen, 1-2 etfs werde ich bald wieder verkaufen, aber abgesehen davon weiß ich nicht genau, was ich alles verkaufen sollte, wie z.B. $KGX und $MPW . Sollte ich hier lieber warten bis sie wieder steigen? Oder sie einfach verkaufen und mich auf die wichtigeren kozentrieren? 2. Ich will einen ETF mit ca.50€ monatlich besparen. Nur will ich nicht unbedingt den core msci world nehmen, da er mir irgendwie zu langweilig ist😅 Habt ihr alternative sachen für mich? Ich wollte zuerst den $WMIN besparen, bis ich bemerkt habe, dass die Branche zyklisch ist und da da ein sparplan glaube ich nicht das sinnigste wäre. Bei $U3O8 bin ich mir unsicher ob der wirklich besser wäre. Hättet ihr da tipps und ideen für mich? Habe auch kein Problem, den ETF bisschen überwachen zu müssen. 3. Was haltet ihr von $BICO ? Ich werde den sicherlich weiter so stark in meinem Depot vertreten haben, da ich die Aktie echt gut finde und viel Zukuftspotential dahinter sehe. Aber was sagt ihr dazu? 4. Und zum schluss, was sagt ihr overall? Habt ihr Tipps und Ratschläge? Vielen Dank fürs lesen und schönen Abend euch allen!🍹

Raz

@RazZGhull

8Lun·

Hey guys!

I'm getting in touch after having an acc for a few months now, but never really doing much with the app.

I started investing really early at 18 every now and then, then after a few ups and downs (2021 was not a beginner-friendly year 🥲), my big first loss through $ACC (+4,03 %) and the start of my studies. I've been more active again for 2-3 months and finally want to set up a smart system. But I'm a bit overwhelmed and need some Ratschläge🙏🏾 please

1. i know i have too many positions, i will soon sell 1-2 etfs again, but apart from that i don't know exactly what i should sell, e.g. $KGX (-0,41 %) and $MPW (+0,72 %) . Should I rather wait here until they rise again? Or just sell them and concentrate on the more important ones?

2. i want to save an ETF with approx. 50€ per month. But I don't necessarily want to take the core msci world, as it's somehow too boring for me😅 Do you have any alternatives for me? I initially wanted to save in the $WMIN (+0,04 %) until I realized that the industry is cyclical and I don't think a savings plan would make the most sense. With $U3O8 (+3,04 %) I'm not sure whether it would really be better. Would you have any tips and ideas for me? I also have no problem having to monitor the ETF a little.

3. what do you think of $BICO (+2,02 %) ? I will certainly continue to hold it in my portfolio, as I really like the share and see a lot of potential for the future. But what do you think?

4. and finally, what do you think of overall? Do you have any tips and advice?

Thanks for reading and have a nice evening everyone!

14 Comentarios

8Lun

So from my point of view, the most important thing would be that you are open to all investments, regardless of whether they seem boring to you or not.
Above all, I think an ETF core makes sense for you 😅

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Raz@RazZGhull

8Lun

@KevinC would be quite possible 😅 thanks for the suggestion!

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Raz@RazZGhull

8Lun

@KevinC the way your portfolio is structured, I think you would recommend the ftse all world dist $VWRL, wouldn't you?

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Kevin E.@KevinE

8Lun

@RazZGhull I generally don't recommend anything to anyone. I think that an investment decision should always be made and understood by yourself. There are many options:
All World (very broad-based)
World (excluding emerging markets, has performed slightly better overall than All World in the past)
S&P500 - one relies purely on the superiority of the USA
Nasdaq - even more specialized, but in the past one of the best performers, but also the most volatile (fluctuations).

There's much more, but that's going too far. My partner only invests in $VWRL, some people here on getquin have 80% of their money in crypto, some use sector ETFs (problem: these are usually set up when the hype has been going on for too long), others only invest in individual stocks...

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Kevin@VPT

8Lun

Moin, I would reduce the positions significantly, just as you have already said.

It seems that you are already happily experimenting with risk, e.g. with Bico, Palantir, Uran etc. Therefore, like your colleague, I would also go for what you call a "boring" core. I'm also a fan of $VWRL 😬

But your colleague has summarized the alternatives well.

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Raz@RazZGhull

8Lun

@VP okay, thank you!

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Mert@Mertdu

8Lun

I cannot say that some companies are my favorite.
It's a bit of a mixed portfolio, you focus on dividends, but there are also different companies.

It doesn't suit my strategyl. I think if you don't have a strategy, you need to work on your strategy first. I made a 10-year plan for myself (starting in January 2024), then I decided on the basis of which companies I would choose. I set my criteria. I even have a scorecard, the company needs to get a certain score according to my own scorecard.

Then, after identifying these companies, I determined an estimation of how much I could invest by the end of the year. Afterwards, I bought more from the company whose price was decreasing.

When I looked at your portfolio, I couldn't understand your strategy. I think your age is 21. If you want to focus on Dividend companies, I think you can hold 1-2 growth ETFs and divide the remaining companies as dividend companies and determine a strategy like I did.

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Raz@RazZGhull

8Lun

@Mertdu thank you for the answer! But how do you even start with making a strategy? I am not so adaptable, because I am just s student. I can make a savings plan with 60€ and in some months, I additonally hve like 100€ extra. So i'm not sure how I start planing and I dont want to invest just in ETFs .
How did you start?

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Daniel@Danielo

8Lun

I would definitely go for a "boring" core ETF and build up a solid long-term base. After that, you can always look for individual stocks. 👀

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Raz@RazZGhull

8Lun

@Danielo thanks for the tip :)

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Copy@SirCopy

8Lun

I like the 0.6$ p&g in the portfolio the most. Apart from that, I think an ETF core will help you a lot for the time being and then expand individual stocks if necessary, as this often doesn't really add value to your portfolio with 10€ positions

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Freddy@diviinvestor

8Lun

Among other things, I have been making a living from equity investments for 30 years; it would be nice if young investors could be discouraged from believing that they could be better4 than "the market"! In times of ETFs this can be

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Raz@RazZGhull

8Lun

@userdbd1862f6d864077 I don't think so. But I have to start somewhere. Sure, retirement provision is important and in 30-40 years' time I'm sure I've made a lot of money by saving in an etf every month. But I don't really understand how to deal with shares and even when I'm older I still won't know how to trade shares. It doesn't help me if I can put €500 more a month into shares, but everything still goes into the red

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Freddy@diviinvestor

8Lun

handle it well. So an all-world fund, MSCI is also ok and slowly you can also get back into EM via an ETF, but broadly diversified and not China-heavy.

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