4D·

Presentation of my depot - criticism, improvements etc. welcome

Good morning to the community.

I would also like to introduce my portfolio and share my thoughts and goals.

First of all, a bit about myself and how I got into trading:

I am 39 years old and have actually NEVER been interested in the stock market/shares. Through a lucky coincidence in the gambling sector, I suddenly had a 5-figure sum in my account. I then went on a kind of overnight interest rate shopping spree. At some point, however, there were no more offers that appealed to me and I ended up with TR call money. At first I didn't want to invest any money in shares or ETFs, but then I decided to take a look. That was in August 2024, when I caught the bug quicker than I would have liked and, thanks to a good friend, I was able to quickly gather some information and recognize the benefits of investing.

I've been invested ever since.

Now to the structure and goals of my portfolio:

The main focus is on an ACWI IMI in order to build up a certain amount of capital through compound interest. I am expecting an investment horizon of 20 - 25 years. The aim is to have built up a certain amount of capital by then so that I can make withdrawals later in and around retirement age and enjoy a good life in retirement without having to worry. The ACWI was the first major building block for diversification. However, I am honest and I was tempted to buy a portfolio with various individual shares. These are mainly dividend-oriented. Most of the positions pay stable dividends and have moderate growth. I deliberately chose many defensive stocks such as $MUV2 (-2,18 %)
$ALV (-1,13 %) or $JNJ (-1 %) in my portfolio so as not to be too speculative. Classics like $KO (-0,14 %)
$MCD (-1,26 %)
$PG (-0,45 %) round off the whole thing. I wanted to achieve an inflow of at least €100 per month over the entire year. Currently it's around €2150 for the whole year. I enjoy having a continuous inflow of dividends that I can reinvest freely. I really wanted to take this positive aspect of the investment with me. Accordingly, I also have very strong dividend payers in my portfolio, although they can be quite volatile and operate in a difficult market environment, e.g. $SHEL (-0,15 %)
$PETR4 (-1,07 %) or $MO (-0,06 %) . In December, I invested in shares of $HOT (-1,44 %) and $HEI (+0,41 %) with the idea that these companies could possibly benefit from the reconstruction of war zones. (I know that's perhaps not the nicest thought and I'm not a friend of wars either, but you have to ignore that when it comes to profits) and the shares of both have done really well for me. That's why I'm also invested in 2 defense ETFs. Another ETF I have in my portfolio is a "tech/software" ETF, AI & Big Data. Individual stocks were too risky for me here and I preferred to take a broadly diversified approach. I also recently added the Germany All Cap to my portfolio, as I think that Germany will be on the rise again in the future. As a small stock with the hope of a real cracker for the future, I have $DEFI (-4,52 %) in the portfolio. Let's see what happens. I'm currently running a savings plan of around 200 euros a month, as I don't have the funds to pump huge amounts of fresh money into my portfolio due to a house loan.

With this in mind, I would be grateful for any tips, suggestions and perhaps also positive words. If you have any questions, please let me know.

Kind regards

24 Comentarios

Personally, I would significantly expand the ACWI and use it as a core component (with at least a 50% weighting).

•

Daniel Kaufmann@Wollitz

@six I like the suggestion. I also didn't want to add anything to the portfolio at the moment and therefore invest the dividends + savings plan "mainly" in the Acwi. Thanks for the nice tip.

•

Tenbagger2024@Tenbagger2024

Hello my dear,
It's nice that with your rather conservative portfolio you also have the courage to invest in a stock like Defi. And that you are successful with it.
Maybe you'll be a little more courageous now. 🙈

•

Daniel Kaufmann@Wollitz

@Tenbagger2024 Good morning dear. I deliberately refrained from using "risk" for the time being because I personally don't think I have the necessary experience to be able to assess such trades and picks. I actually feel like a little schoolboy. 😜 But I enjoy reading your news, for example, and always keep something of it in mind. It's really good for the community that there are people like you who always write good and informative posts. A big thank you to you in any case.

•

Tenbagger2024@Tenbagger2024

@Wollitz
You are simply MEGA
And I'm always very happy to write with you.
Thank you for all the flowers.
That motivates me. 😘

•

Daniel Kaufmann@Wollitz

@Tenbagger2024 Thank you very much for the kind words. 😍 The flowers for you are absolutely justified. Nowadays it's become rare to find communities and people on the internet who are simply honest, friendly and courteous. I spend a lot of time in gaming and it's become so toxic that I really appreciate it when you can still have pleasant conversations without having to worry about being lynched. Above all, you really focus on sharing and it's clear that you like it when others benefit and get a piece of the pie.

•

Tenbagger2024@Tenbagger2024

@Wollitz
Believing that being successful together is the best experience.
But also reassuring each other in a bear market and encouraging new investors to persevere.
And to show that there will soon be better days again.
That is simply a wonderful thing.
And it gives me a good feeling.
And when someone like you writes so well, it makes you feel something again.

•

Daniel Kaufmann@Wollitz

@Tenbagger2024 That's a good point. But you have to be guided by people who are serious about it and not all these clowns and fake profiles who always talk badly about everything. I'm not interested in that at all. It's commendable when people with more experience take smaller and new investors under their wing. And you really serve as a role model.

•

Dario1@Dario1

Except for the etf themes, very high quality and well diversified 🤙👍

•

Daniel Kaufmann@Wollitz

@Dario1 Thank you very much for your feedback. What do you think could be done differently or better with the ETFs? Kind regards.

••

Dario1@Dario1

@Wollitz I prefer to pick the well-performing or promising stocks from the various sectors, but it's more of a personal preference, I don't like the theme ETFs that much.

••

Daniel Kaufmann@Wollitz

@Dario1 I see. You mean, for example, that you would rather invest in Rheinmetall than in a corresponding ETF? Yes, I can understand that. I have Hensoldt as a single pick, otherwise I prefer to spread the risk.

•

Alfred E.@Papiertiger

Just my opinion:
Would only take ACWI and single stocks + BTC. The whole sector ETFs bring neither mega returns + costs nor TER

•

Daniel Kaufmann@Wollitz

@Papiertiger Thank you also for your opinion. I'm pretty keen to diversify as much as possible, hence the sector ETFs. I definitely know what you mean, but somehow I don't really have the confidence to invest in individual stocks. I will definitely stay in the ETF in the tech sector. In the defense sector, I'm currently testing Hensoldt as an individual stock. Maybe I'll switch to 2-3 individual stocks later. As stupid as it sounds, I would just like to observe for 1 year to gain experience and security. But I will keep your tip in mind. Thank you very much.

•

S.A.U.@SAUgut77

First of all, I have to say "respect" and I really like the line-up 👍🏻

But when it comes to dividends, we're only just under €400 apart this year, even though you're ~4.5 times ahead of me in terms of total portfolio 🫠

On the other hand, you'll outstrip me in the 2026 divi...although I'll certainly pick up one or two additional divis.

Conclusion: Very nice and keep it up, we definitely get along ✌🏻

•

Daniel Kaufmann@Wollitz

@SAUgut77 We will certainly talk about this and then we can continue to work on a good plan. We also have one or two pillars together 🎉😎

•

S.A.U.@SAUgut77

@Wollitz definitely, the last few years we have always been on vacation just outside Austria (19Km before Kufstein) .... if it fits we can discuss it over a beer and a barbecue 😉

Except this year there will probably be nothing with the vacation, I am currently preparing for my last of 3 IHK exams (tax law) on the way to becoming an accountant, which is why there is little news at the moment.

••

Nico Uhlig@RealMichaelScott

The basis ACWI IMI is already top. Personally, I don't believe in sector bets and thematic ETFs because they are usually launched during the biggest hype (AI, defense). I would take a more concentrated approach to individual stocks and prefer to expand the ACWI IMI base. As "satellites", I would prefer fewer individual stocks, but with a good weighting.

•

Daniel Kaufmann@Wollitz

@RealMichaelScott Thank you for your opinion. What exactly do I mean by satellites? 😃 Otherwise I agree with the ACWI expansion.
I find thematic ETFs exciting and the Europe Defense ETF was one that I really wanted to have. I think that Europe must/will invest a lot in defense and its research in the coming years, so I'm optimistic.

••

Nico Uhlig@RealMichaelScott

@Wollitz google "core satellite" strategy, then you know what I mean by satellite. Ultimately, the basis should consist of 70-80% world ETFs and the rest should be invested in individual stocks, gold and/or Bitcoin, for example.

•

Daniel Kaufmann@Wollitz

@RealMichaelScott Check. Thank you

•

Pedro M.@serkeftin

We already have 6 or 7 shares together. It's very interesting!

••

Pedro M.@serkeftin

@serkeftin I think the ETFs are good too. I had also thought about $ASWC but I want to get away from defense companies otherwise that would be something for me too.
Also $JEGP with over 6% dividend yield looks great. They have $UCSO with them...

••

Pedro M.@serkeftin

And I'm completely out of $VGN. I'm rather short there. I had it almost a year ago but I somehow realized it was nothing despite the hype here...

••