2Año·

Hello Getquin Community 🙋‍♂️

Short introduction:

I am Adrian, 29 years young, married and come from the beautiful Schwabenländle.

Professionally, I work in nursing and currently work as a residential area manager. Currently, I earn 2,600 € net, usually come through supplements but still about 100 € on top. For two months, I have also started a one-year training course to become a care service manager (the costs for this are covered by my employer).

How did I come to invest:

For a long time, I wasn't really interested in my personal finances. If there was money left over at the end of the month, it was just put into a savings account and that was it. Then, at the beginning of 2019, I had an overpriced (which I didn't know until later) fund savings plan pushed on me by my bank advisor at the time. At the latest when it was then so far that I was allowed to squeeze 10 € account maintenance fee per month to the Kreissparkasse, it was clear to me that I had to act. I then asked my friends which banks they could recommend to me. That's how I quickly came across ING. From then on, I began to deal more with my finances. Through two of my friends, my interest in investments was finally awakened.

My start:

At the end of 2020, I started investing with small sums. Without a precise strategy, I set up a small savings plan on TR. Two sector ETFs were saved and any hype stocks (with the hope of the quick mark) were bought. I have largely learned from the initial mistakes...

Strategy/goal:

Etfs:

I am following a core-satellite strategy.

The core should be my two Etfs $VWCE (+0,26 %) and $IUSN (-0,02 %) form the core. These run with the ING with 250€ and 50€ in the savings plan. With the Etf weighting I'm still not so satisfied. Here I aim at the 50%. My goal is to save the Etfs until retirement and if possible to make individual purchases at attractive prices. With my third Etf $QDV5 (-1,61 %) of which I am basically convinced, to be honest I don't really know what to do. On the one hand, I would like to keep it with 25€-50€ monthly, because I see strong growth potential in India in the next few years and thus increase the emerging market share in the portfolio. On the other hand, I would prefer to shift it into the $VWCE (+0,26 %) to have it as simple as possible and to be out of the sector ETFs.

Stocks:

My stock portfolio is with TR. Savings plans are running there and individual purchases are made every now and then. The following stocks have a 20€ savings plan: $MSFT (+0,51 %)
$V (+0,21 %)
$JNJ (+0,65 %)
$NOVO B
$FRE (+0,05 %)
$ULVR (-1,85 %)
$KO (+0,23 %)
$PG (+0,76 %)
$DLR (+0,58 %)
$MPW (+0,42 %)
$RSG (+0,76 %)

Therefore, the partially still very low weighting and no, there is no more savings plan to be added.

The goal of my stock portfolio is to build up a small but fine cash flow. Since I am a realist, I do not have the utopian goal to become completely financially free. However, I find the thought quite nice to pay at some point, for example, the utilities, the vacation or the gym. Currently, there are also one or the other speculative value in the portfolio (also the small crypto share). But I can live well with the risk. In 2023, I'm aiming for the €500 dividend.

On my shortlist are currently still:

$BLK
$IBE (+0,78 %)
$DHR (+0,21 %)
$STAG (+0,4 %)

As a depot upper limit I have set myself 25 values, because otherwise I lose the overview.

That's it now I think. Now I am curious about your opinion. 👍🏻

Eche un vistazo a mi Tablero de análisis ¡Ahora!

19 Comentarios

Michael H.@justoxford

2Año

Nice story and realistic goals. ETF are certainly a strategy but I see for the same in the next 1-2 years less opportunities than for individual stocks. An exception, which I am currently considering, is the Asia area, which I would also include India. Support your opinion on the potential of the Asia area, but I am still undecided about the weighting. If necessary, I would in your place - reduce the MSCI savings plan - stop the small caps or vlt. liquidate in a jahresendralley - let the India run and - think about Asia / China To the individual stocks I would not give a recommendation, think you have informed yourself and have the opportunities and risks in view. To the watchlist I am rather skeptical with STAG. Good luck to you

•

Adrian@buysedip

2Año

@justoxford Thank you for your feedback. Even if the Etfs should run sideways or poorly for 1-2 years now, it would be relatively indifferent to me due to my long investment horizon. Then I get at least more shares. The India etf as already described in the article I will if then still additionally besparen. 👍🏻Ein China Investment is due to their policy currently no longer up for debate or is supported with the mini-weighting in the All World etf. 😄What makes you pessimistic about stag?

••

Michael H.@justoxford

2Año

@buysedip The political risk is a good point! How high did you calculate it and what data did you use as a basis for it?

•

Adrian@buysedip

2Año

@justoxford to be honest I have not used any data or anything else for this. Of course China can bring an excess return in the portfolio but I just don't feel comfortable with individual stocks or a Chinese etf...with 3% weighting in my all word etf I can still sleep well. 👍🏻

•

Alfons P@AlfonsP

2Año

I don't like the India and small cap ETFs. Everyone is always talking about boosting returns. But I can't see any boost here. I would normally not even go on vacation to these countries. Why should I then invest my money there. I find the shares, except for Palantir, quite successful. My tip: leave the fingers of such hypesachen like Palantir. Big and boring usually wins in the long run. Of course, there are always exceptions.

•

Libertarismus@Libertarismus

2Año

@AlfonsP What do you have against small caps? You're more diversified there and there's really a yield boost. I agree with you about emerging markets.

•

Adrian@buysedip

2Año

@AlfonsP @DerBub Thank you for the feedback. I can understand your opinion about India. But I actually see the small cap etf as a complement to the All World etf, as only large caps and mid caps are represented there. $PLTR is more of a bet, after all, along with $ETH (eth I see more as a tech stock).

•

Michael@Wellenreiter

2Año

It's quite solid. What are your thoughts on India? Are you convinced of the market? I would continue to increase your current positions😬 Dividends are always great👍

•

Adrian@buysedip

2Año

@Wellenreiter As you could read in my contribution, I am ambivalent. Basically, I am convinced that the big players will increasingly move to India and invest. My existing positions will of course be further increased and dividends reinvested.

••

Michael@Wellenreiter

2Año

@buysedip ok, why not, if you are convinced. 😊I would rather bet on USA proportionally. I'm also steadily expanding Div.

•

Adrian@buysedip

2Año

@Wellenreiter Yes, I want to weight the USA share even higher over time. The European share is currently still a bit too high for me.

•

Michael@Wellenreiter

2Año

@buysedip I understand, I feel the same way😂.

•

Adrian@buysedip

2Año

@Wellenreiter If you take the whole thing a step further, my homebias share is also far too high😅🙈. $ENR is the only share I would like to part with in the near future. Instead, a utility company such as $IBE may find its way into the portfolio. 👍🏻

••

Michael@Wellenreiter

2Año

@buysedip $IBE I had also already on the screen. But I decided to go for $ABBV and $MPW to escape the home bias and to expand Div.

••

Adrian@buysedip

2Año

@Wellenreiter also both nice values. In the U.S., I'm currently still looking at $BLK. Here, the dividend yield is right, as well as the dividend growth... One or the other Reit is also still on the list. $WPC $STAG

••

Michael@Wellenreiter

2Año

@buysedip $BLK I have of course for it already in the portfolio. As Reit I have the classic $O

•