1Año·

Good day,

I am 25 years old, a self-employed electrical engineer and have been dealing with shares for about 2 years. I know in this area average well, am absolutely no professional.

My goal is to build up a good long-term portfolio with individual shares.

I have 3 funds with my bank, which I can not mention here.

In an ETF I can not pay in the house bank monthly, therefore the funds. (Would have of course rather e.g. a Msci World or....)

And pay into an online broker I do not know, call me old-fashioned but that is too uncertain for me, I do not know much about it and am afraid that there is the online broker suddenly no longer and everything is gone.


My shares I bought earlier was mostly a mistake have bought too quickly or erwas read and that sounded so good have bought in greed. This should not continue now.


Well now to my shares, strategy I follow actually no right, have also too little time me daily several hours to read through. Often I look what do people buy, what do they use every day, from which brand is the....usw. In this respect, I read magazines or online and if I like a share, it first comes to the watch list, there it is not bought for 1-3 months because I do not want to be blinded. Each magazine, online article or video writes a company so special and future-proof that it affects my opinion, and therefore I wait a certain time until I deal with the companies.


In this respect I use most tradingview, aktienfinder pro and finanzen,net and a few others but not so often.


With the shares I have looked at the annual return of the past years, on the fair value, profit flow, profit of the next years and on other figures where I know less well. (This is just my opinion, I am absolutely not a professional, please correct me if I am wrong)

The shares are all long-term investments and I plan to hold them for several years,


$RACE (-1,23 %) is an Italian company and therefore I would pay less tax on the sale at some point as an Italian citizen, but that should not be a reason, the last few years have gone very well and I also believe the luxury companies in this period can pass on the price increase well to their customers (SIMILAR TO $LVMH)

Unfortunately, I do not know how it looks with the E-cars if in the distant future only such are sold. How hard Ferrari is doing.


$MDLZ (-2,31 %) I have looked at the 10 largest food companies and for me mdlz is the share that has the most potential to the upside, whether it is fair value or profit flow is still a lot up in it


$MCD (-0,18 %) a rather low-risk company, I believe that mc donalds will still exist in 20 years, and when I look at the competition I see mcd far in front


$LIN I think is also a low risk company and with their business model I see in the next few years certainly a higher price


$NOVO B A pharmaceutical company never hurts. With a profit of 32% over sales and the latest drug that makes you slim you are way ahead of the competition. They are slightly overbought, but they always feel that way.


$LNG (-4,75 %) and $EQNR (-1,58 %) is rather risky, here I am talking about the LNG that will go to Europe in the future and the two companies are already working profitably, if you assume the next few years that they will go a lot to Europe then I think the company will rise.


$AZO (+1,03 %) have dealt rather less with it, are a US Autoreperatur company with service and sales.

I do not know why but the company works well no negative numbers. Profit of the next few years should also be very good.


$V (-0,16 %) I liked to have a payment service company where little risk is and according to figures Visa is from me seen better positioned than Mastercard.

$SIE (+1 %) I wanted to buy actually only that I have not everything in Us company, I am currently but not quite convinced.

$PETR3 (+0,14 %) Since I am a small gambler I would like to invest a small part here. It simply attracts with the high dividend and if the oil business is still profitable for a while it could be worthwhile.

In addition, half of the company belongs to the state of Brazil.


Yes that's it, I am not a stock expert, I hope for an honest opinion.


Thanks to @DividendenWaschbaer

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28 Comentarios

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Thank you for the introduction. First of all, you should not be afraid to open a custody account with a neobroker. First of all, your shares / ETFs are part of the special assets and belong to YOU alone. No matter if the broker is broke or not. If you are worried about your money on the clearing account, this is also protected by the statutory deposit insurance up to 100k. Therefore, there is nothing against it. The disadvantage of a new broker is that not all securities are tradable. For this, there are then the other brokers. I think that probably everything is better than what your house bank offers. Another thing, if you have no strategy, you should probably leave the fingers of individual shares and simply invest everything in a world ETF or comparable.
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Thank you very much, could you recommend me a neobroker? I think that a world etf or S&P500 makes the better return than I do, but I'm learning, and besides I like to do that.
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@BUI Neobrokers are for example Trade Republic, Scalable Capital or Finanzen.net Zero. You can also simply google and look at a few reviews. Each has its advantages and disadvantages.
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@BUI Disadvantages of neobrokers: No joint or junior custody accounts. Fewer trading venues. Longer waiting time for deposits and withdrawals. I read that a Neobroker even changes the IBAN of the clearing account if too many different accounts deposit to that. Allegedly money laundering law. I trust online banks like Consors or Comdirect. Trades are more expensive here but the disadvantages above are not there.
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Thank you 😄
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@NiMe "Have read" comes right after "heard from an acquaintance of my brother-in-law". I have so far received 5 dividends paid out and they were even sooner there than in my large deposit. Deposited from where it is just lying around have from times of penalty interest still 5 accounts rumoxydieren. At times even my wife has transferred from her account. Disadvantages I have not yet found except that it is all too easy peasy goes - no Tan App or other Gedönse. I prefer my main deposit - still old-fashioned with card + tangenerator and then I get a message that I'm logging in. For this reason, there is also my main deposit.
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Thank you for taking the trouble. You can also do something with it 😊 So you write yourself that you do not know very well and also have no time to deal more deeply with the respective shares. Therefore, my tip is: take an all world ETF and save there. This way you are well diversified and don't have to worry about anything. Regarding buying ETFs: pretty much every bank has its own broker. Sparkasse has the SBroker, DKB has its own securities account and so on. You can also buy/save ETFs there. So you just have to ask your bank for a securities account. Depending on which funds you have there, it may be worthwhile to exchange (but not necessarily worthwhile). But you have to calculate that. It can be that it is also good to let them continue. Regarding the individual values it is difficult to say something about it. You mentioned some good and solid stocks (e.g. McDonalds) others I don't know, and still others (e.g. Autozone) I think are risky. I don't know them but just because they are in the black doesn't necessarily mean they are a good investment. What is the moat about an auto repair shop? They're relatively easy to replace, so you should definitely look at the basics. So what options you have where to buy which stocks/ETFs, which strategy suits you best and so on. Because of your past you have already learned not to make impulse buys. That is already a lot of value. Find a strategy and then stick to it. For the beginning I repeat myself: open a securities account at the bank of your confidence, after you have informed yourself about the costs, take an All World ETF and save it. Good luck.
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@DividendenWaschbaer Thank you for your opinion. Again briefly to the bank, so I'm at the Volksbank and have talked to everyone there, investment advisor and so on, even with the Konkurenz you can only ETF one-time deposit with high fees. If I deposit monthly, and I would have to do that manually, that would be extremely high fees.
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@BUI That may well be the case. So savings plans should work as long as the ETF is tradable. The fees are of course another matter. At SBroker, savings plans cost 1.5% of the savings plan amount, unless there is a special promotion going on. This is the disadvantage if you want to have a broker at your house bank. Cheaper are of course neobrokers or brokers of an online bank (like consors). But this is of course personal preference.
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Why not a bank like ING for the deposit?
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@leveragegrinding I personally do not know, and since it is for me only an online bank, it is unsafe for me. I know I'm probably too old-fashioned, maybe I should inform myself more. I'm just afraid that the bank is no longer there, although of course that can also be with the local bank.
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@BUI so you need a bank that has branches?
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@BUI And when I tell you that some of the "old-fashioned banks" are more likely to go bankrupt than the much more efficient and modern online banks :)
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@TradingMelone well that depends on the bank NH😂😅
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Sorry but how can you not know the ING?😅 They are but with advertising online, offline and TV permanently present 😂
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Yes, I already know the advertising, I can hardly get it out of my head, but in Italy, where I live, it is of course not so well known. And I do not google every bank or advertising.
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So short and sweet: You have no time to deal with individual shares and do not know well? Then stop with individual shares. That has nothing to do with investing without the certain know-how and is just gambling. Yes, maybe you're lucky and hit exactly the right ones - but that's just luck :) If you want to gamble then do it separately and see it as gambling or hobby gambling and do not do that with your monthly rate that is intended for investing. About your banking situation - so do not get me wrong but you will have to deal with these "new technologies" sooner or later even if they are not new anymore.... It is quite clear that branch banks will die out. The business model is simply outdated and no longer profitable. In my opinion, the chance that a branch bank will go bankrupt is at least as high as that of a neo-broker or online bank. Fortunately, you live in Germany and you can rely on some regulations here. Just look for a German based online bank or a neo-broker with German deposit insurance and you are on the safe side. Then you can throw the active funds out of the depot and simply shift into an ETF. (Unless the funds out perform the MSCI World even after fees) If you do not get involved to warm up with these new technologies it will be in the future only harder for you and not easier in everyday life :)
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@TradingMelone For info I live in Italy, with the Neo Broker or Online Bank you will probably be right. About stocks: Yes, time is always limited and if I spend every day or every 2 days only an hour (more on weekends) to deal with stocks will be rather little. To make a long story short, yes a Msci Word will certainly go better, but I'm also learning, and I'm interested unfortunately too much to put everything in an Etf.
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It doesn't matter to your shares if the bank goes bankrupt, because the shares are stored at a central depository. And it doesn't matter to the central depository if you bought at a neobroker or your house bank. Your risk is much higher with your bank fund and the only one who makes a return is your bank with the fees.
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@Der_Dividenden_Monteur as I said, I don't know how it works with online brokers, with normal house banks it's like you say. If this is also the case with online banks, I trust you.
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@BUI yes it is. https://www.boerse-frankfurt.de/wissen/ueber/geschichte-der-frankfurter-wertpapierboerse/von-der-physischen-zur-digitalen-verwahrung#:~:text=Today%20securities%20will%20be%20at%20central%20depositories,dividend payments. here is the info from the Frankfurt stock exchange on this.
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Thank you
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$RACE I had bought then at the ipo and sold in 2021 I would buy them again at any time. Why should we as Italian citizens pay less tax on profits?
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@Koenigmidas My mistake, I mixed it up with the dividend. For dividends, that's more or less how it is
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If you are afraid of Neobroker, then go to condirect or ing diba. but the shares are special assets anyway, so do not panic. if you are already so fearful, then I do not understand the strategy with the individual shares, then rather buy an Etf. I Personally find the individual stocks, which you have picked out there not bad
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Of course I'm a bit scared, I don't know the online banks, and other than advertising I've never seen or heard of them. Do not get me wrong but I am a little uncertain. I will certainly be wrong with my opinion, but maybe I will change it in the future.
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@BUI I have been with Comdirect for 20 years and I am satisfied, of course the costs are higher than with new brokers.
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$SU you could perhaps consider as an alternative for $SIE
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