End of January

January was rather volatile - also due to the still heavy weight of $PLTR (-3,33 %). Currently up 2.6%.

An update on the portfolio. My 'Dull Seven' - a nice boring 7 positions (2 ETFs and 5 individual stocks).

Long-term investment strategy with an investment horizon of another 15-18 years. From then on it would slowly move towards retirement. I have been invested since 02/2023.

The ETFs as the main investment with currently just under around 37% (33% at the end of 2023, further depressed by the performance of Palantir) and the goal here at some point to be at 50-60%.

$VWRL (-0,91 %) FTSE All-World to keep US below 60% in the long term. (savings plan)
$VUSA (-1,13 %) S&P 500 extra to take advantage of slightly higher returns compared to the All-World. (savings plan)

Plus a handful of individual stocks:

$MSFT (-1,57 %) for long-term blue chip growth with a small dividend. (savings plan)
$8001 (+0,66 %) long-term strong growth and a decent dividend. (savings plan)
$ALV (-0,14 %) as a long-term runner with a decent yield and very good dividend. (savings plan)
$PLTR (-3,33 %) as a long-term tech bet. Buy more when opportunities arise.
$DTE (+0,67 %) Nice growth, good dividend and still very good prospects. (savings plan)

Itochu has weakened somewhat in recent months, but I am optimistic that it will return to growth in the long term.

Microsoft's performance remains somewhat flat. The high level of investment is currently still a drag here (it should grow by the middle of the year). Here, too, I am clearly optimistic that we will soon see higher growth rates again.

Epi@Epi

3Semana

Retiring in 15 years' time? Then you'll have to work hard!
How high is your savings rate?

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Bob@NoBobble

@Epi In 16. it should be a small addition that brings more return on average than overnight money. Small building block alongside savings, house and company AV. Savings rate averages 180 so far, will be increased in the further course and additionally larger purchases on occasion.

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@NoBobble With a bit of luck, you'll have an extra 50-70k in 16 years. It's not the world, but 1-2x more vacation a year should be enough. 👍
You're standing on several legs with a pension, house, occupational pension, savings. So all in all, it should fit.
However, I would check the occupational pension again. It's usually more worthwhile to invest the money yourself on the capital market. You may also be able to increase your deposit savings rate this way. Just do the math. I wrote an article on this last year. It's in Bestof.

@Epi yes exactly. And 60-80 is roughly my target corridor for this leg 🙂

CashPilot@CashPilot

A solid foundation, continued success 👍