4D·

🚀 My path to building wealth at the age of 19

I am 19 years old and can invest around €1,300 a month.

I have made a conscious decision to invest a little more riskily at this stage of my life in order to build up assets in the long term.

That's why I'm currently taking a 30% / 30% / 40% risk:

Planned split:

800 € in individual shares ( $GLXY (+6,5 %)
@Multibagger thanks for the contribution and possibly $ONDS (+2,43 %) )
250 € in $BTC (-2,51 %)
250 € in the $CSPX (+1,22 %)

My portfolio currently consists of, among other things

$CSPX (+1,22 %) ( 50%)
$NU (+2,96 %) ( 17%)
$ONDS (+2,43 %) (6%)
$BTC (-2,51 %) (5.5% -> I need to build up more in the future)
$KAS (-3,62 %) (6% , -50%)
$SSW (+1,02 %) ( 5%)
$IREN (-3,62 %) (5%)
$SOL (-2,47 %) (4%)

I am currently wavering between two strategies:

Build each position to ~€1,000, then just hold and continue to save monthly in one company with a savings plan.

Strengthen the core (30 % S&P 500, 30 % BTC, 40 % individual stocks) and reduce the number of individual stocks to 5-6 in order to invest in a more focused manner.

In the long term, I would like to grow passively, but still retain the opportunity to outperform through selected growth stocks.

Thank you for reading 🚀

17Puestos

10.445,20 €

0,88 %

21 Comentarios

financial_ninja_psqcv@financial_ninja_psqcv

You're doing really well 🙏

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Wiktor_06@Wiktor_06

@financial_ninja_psqcv Dankeschön.

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Francesco C.@Fcomi

1300 at 19yo?!? wtf!

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Wiktor_06@Wiktor_06

@Fcomi I can save €1,300 a month because I earn €1,300 from my apprenticeship and also receive a half-orphan’s pension. That’s why I’m able to put away €1,300 every month.

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Francesco C.@Fcomi

@Wiktor_06 i am a 47 yo guy from italy, i am an industrial technician and i earn about 2200. i can invest 1000 eur x month cause i have no family. i have also a 367eur mortgage rate for my house and 2 cats. 2200 is a high salary in italy(engineer for example), and save a thousand x month cost me a lot:no travel, no new car, no new dress, no restaurant, no coffee at the bar and so on.... tipically here(north italy) a guy at 19 can earn about 900

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Wiktor_06@Wiktor_06

@Fcomi I really appreciate that! I’m doing my apprenticeship at a government agency, where I earn €1,300 a month and will also receive a special payment in November — in Germany we call it a “Christmas bonus.” I don’t have any fixed expenses because the agency provides me with an apartment during my training.
Here in Germany it’s also typical for an apprentice to earn around €900 a month, but since I work for a government institution, it’s a bit different.
My goal is to have €50,000 invested by the time I finish my apprenticeship in about two and a half years. After that, I’ll earn around €2,700 net per month, but of course I’ll have expenses for furnishing an apartment, which I’ll buy together with my girlfriend.
I don’t plan to touch the €50,000 — I want to keep investing and hopefully reach €100,000 by the time I’m 27 or 28, if everything goes as planned.

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Tenbagger2024@Tenbagger2024

Oh my dear,
What have you done, why are you in the red this year?

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Wiktor_06@Wiktor_06

@Tenbagger2024
Greetings.
Unfortunately I just didn't see a bottom with PayPal and therefore sold last week, a loss of 350€.
Somehow this year I only had stocks in my portfolio that were in the black (except Nu Holdings).
This year was unfortunately a year for learning.
Unfortunately no return of 20%.

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Wiktor_06@Wiktor_06

@Tenbagger2024 KASPA has also completely reduced my annual return. I had a €1000 position that is now at -50%. But anyway, I'll hold on and maybe become a winner or a loser...

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Damian@Divalo

@Wiktor_06 A year for learning. I know it xD. For me, gold is the best performer this year, I think with a plus of 281%. But the rest is unfortunately poor this year and will be expanded a little next year. But I'm still looking into how where what....

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Faecherstadt_76@Faecherstadt_76

@Wiktor_06 anyone who has dealt with KAS knows that KAS is coming!

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Tenbagger2024@Tenbagger2024

@Tenbagger2024
My dear,
I don't want to talk you into it.
I think it's good how you deal with investing.
I actually think the selection is good too.
But I would consider whether it makes sense to take the largest positions from your ETF again as individual positions.
Here I would perhaps rather take a few nice mid caps. There are also a few great long-term runners. Or add Japan or Europe. And try to choose fewer positions and slightly larger ones instead. Because the mini positions make little sense.

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Marcelo@Marcelo-80

@Faecherstadt_76 I added more today

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Wiktor_06@Wiktor_06

@Tenbagger2024 The mini positions are for my little sister, who saves €40 a month. Which mid caps do you have in mind?

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Tenbagger2024@Tenbagger2024

@Wiktor_06
Ah that's right, I remember. I thought that was a good idea too. Perhaps you could consider creating a separate portfolio here. That way we can analyze your portfolio better.

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Wiktor_06@Wiktor_06

@Tenbagger2024 It's too stressful for me because I would then have to pay €1 order fees. It's just not that clever for the small Posis 😂

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Tenbagger2024@Tenbagger2024

@Wiktor_06
I only mean here on getquin, it costs you nothing

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Ver todas las 2 respuestas adicionales

mkaps@mkaps

A lot of crypto shit for my liking. $SSW is an interesting one. Thank you

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PaintedPortfolio@PaintedPortfolio

Too much USA

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