1Semana·

Presentation

Hi everyone 👋,

I'm Luise - I've been building up my own small portfolio since 2023 📊💡.

Every month, €25 goes into the $VWRL (-0,02 %)and occasionally make smaller one-off purchases.

Here I share my portfolio development, thoughts and learnings - all transparent & real.

I look forward to exchanges, tips and nice conversations! 💬

#Kinderdepot
#LangfristigInvestieren
#Finanzreise
#BuyAndHold

1Posición

14,97 %

21 Comentarios

Epi@Epi

1Semana

The start has been made.
If you want to get involved in the stock market, you can also take significantly more risk for more return with your amounts and your time horizon. E.g. with $BTC $DBPG $LBUL.

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Sahnehäubchen 🦋.@Savvy_investor_2000

1Semana

@Epi
Super tip. Learning by burning. Lever and pocket money. Start right away with boss level.

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Kreon@Kreon

1Semana

@Epi leveraged products? For beginners? Wouldn't have been my first tip. Nor the second or third...

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Epi@Epi

1Semana

@Savvy_investor_2000 It's not a 20 leverage. And they are established asset classes. So I find them quite suitable for learning.

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Epi@Epi

1Semana

@Kreon Well, it was also subject to the condition that he would deal more intensively with the stock market.
At €25pM, the actual risk is also very manageable.

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Kreon@Kreon

1Semana

@Kreon depends on how high the portfolio value is. And in my opinion, leveraged products are not for long-term asset accumulation but rather for trading. But I am also rather conservative in my investments.

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Epi@Epi

1Semana

@Kreon There are a few studies that show that low leverage on large indices is very suitable for long-term wealth accumulation. So instead of the 7%pa then 12%pa for the last 50 years. This difference makes a huge difference!
You just have to withstand the higher drawdown.

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Sahnehäubchen 🦋.@Savvy_investor_2000

1Semana

@Epi
However, this usually doesn't end with the big learning effect, but with beginners leaving the stock market completely frustrated after the first big drawdown. There are also empirical studies on this.

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Sahnehäubchen 🦋.@Savvy_investor_2000

1Semana

@Epi
Your analytical approach is logical, but pedagogically the whole thing is simply difficult.

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Epi@Epi

1Semana

@Savvy_investor_2000 On the one hand, of course, I agree with you: leverage and stock market beginners are like flamethrowers and small children. It can only go wrong.
On the other hand, in this particular situation (young, very low savings rate, eager to learn) it doesn't seem completely pointless to bet on 2x leverage. This is the best way to get to know the vola and learn to endure it without having to sell everything straight away. Besides, there is hardly any risk with DCA anyway. So it's more like a child with matches - it has to start learning somewhere.

And finally: even the MSCIWorld can have a 50% drawdown. If you think this is solid, you shouldn't complain if you have a balanced portfolio with the ETFs mentioned - because the risk there is historically even lower than with the MSCIWorld. After all, you are diversifying across different, uncorrelated asset classes.

Not everything the so-called financial experts say is well-founded (e.g. leverage is the devil's plaything!). 😬

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Sahnehäubchen 🦋.@Savvy_investor_2000

1Semana

@Epi
Perhaps it's a question of the type of person and the company. With the right mindset, it can work, but I wouldn't recommend it across the board.

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Ver todas las 5 respuestas adicionales

𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

1Semana

Very good ETF choice to start with. The $VWRL is also my absolute favorite. Keep up the good work and increase your regular savings rate too. Good luck 🍀

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Maximilian@Maximilian_GHG

1Semana

But you'll have to increase the savings rate over time 😃

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Melanie@MelAdo

Top Luise 👌 keep up the good work, stay true to your line and don't let anyone tell you nonsense. good luck

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Allan@Allan-

how old are you luise?

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Horrax D@Horrax

@Allan- is a children's depot. I estimate Luise to be 2 years old ;)

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