As a 17-year-old student, my first (full) year on the stock market really went better than expected. Initially, I wanted to invest a small part of my "assets" and outperform my call money account - and I did so successfully. My TWR is 59.67%I think that's really impressive for a beginner.

Now to my investments:

My year got off to a rather negative start with the sell-off of Neotech-Metals $NTMC (+0,52 %) a "tip" from a relative - with a 77% loss, I decided to see this investment as a learning opportunity, which in retrospect was worth it. At least I only lost €126 on my first bet.

Savings plan

Throughout the year, I had my savings plan running at €150 per month:

60€ in $XDWD (+0,58 %) -> Later 100€ $VWCE (+0,53 %)

45€ in $XMEU (+1,8 %) -> Later 50€

45€ in $RBOT (+0,92 %) -> Deducted

Since I moved my securities account from Deutsche Bank to ING in April, I no longer have to hold 3 stocks, but can focus on 2.

However, when I turn 18 in April '25, my portfolio will probably move to TR or Scalable.

Investments:

I also had several smaller investments this year $NVDA (+2,01 %) investments this year, which I had chosen without any premonition, just because I like their graphics cards. But that was probably the first stroke of luck in my stock market "career".

I also bought more of them:

21.10. 5 x @ 127,45€

16.11. 2 x @ 134,11€

20.11. 3 x @ 139,63€

This brings me to a total of 20 shares and a price gain of 20.12%.

However, this position is slowly becoming too large for me, which is why I will probably realize partial profits soon.

Another new addition to my portfolio were 2 Tesla shares $TSLA (+1,32 %) which I didn't even hold for a month, but I was able to take a short-term gain of 27.23%, i.e. €175, which really tastes good in such a short time.

The top winner for me this year was clearly the Apple share $AAPL (+0,61 %) which brought me almost 43%. Fortunately, my parents support my interest in the stock market and gave me an Apple share for Christmas instead of an Apple product. In the time since I bought this share until today, it has actually gained 52%, which is of course a great increase in value for a gift. I also received the "bitcoin standard", which is a really great book so far!

So total return is 1632€, of which about 850€ realized.

Goals 2025:

> First, I will probably halve my Nvidia position so that I can buy my first car.

> Leave savings rate at €150 in months without income, increase drastically in months with salary

> More investments in individual shares

> First investments in Bitcoin (I know, volatile, but I'm very interested in the technology behind it)

> Even better financial education, especially with regard to investments

I try to save as much as possible and give up as little quality of life as possible. I am thrifty, but I also like to buy nice clothes or invest in friendships and family, because in the end that is still the most important thing in life!

With this in mind,

A successful year 2025 to all!

Realize loss or sit it out?

Hello everyone,

At the end of last year, unfortunately due to a lack of knowledge and too much trust in family members, I bought a total of €190 worth of shares in $NTMC (+0,52 %) shares. Well, from the purchase price (€1.20 per share) to now (approx. €0.40 per share), it has gone down quite rapidly, as I had too little information about the share.

What do you say, should I sit it out or sell the rest of the shares and put them into my ETF savings plan next month, for example?

Thanks for your answers 👍🏼

Portfolio feedback

Hello everyone,

I wanted to give you my first portfolio feedback ...

So, I'm 16 years old and I started investing because I want to put money aside for my car, family and property as early as possible to make it easier for myself later on. And, of course, because I'm interested in business and can learn something new through this little hobby. I'm not yet sure exactly how I'll use the money later on, but even without a rock-solid goal, it seems very sensible to save money that I don't want to touch for the time being.

At the moment, the main focus is my savings plan with Deutsche Bank, as I still have relatively little experience with shares, etc., and am therefore focusing on ETFs with less risk. I want to build up a foundation first, as I can always invest in individual shares later and don't want to "gamble away" everything in my early years.

My portfolio currently consists of 2 ETFs and one share. $XDWD (+0,58 %) I save €50 per month, $RBOT (+0,92 %) with €15 and finally $NVDA (+2,01 %) with 35€. I chose the highest weighting for the MSCI World because it is the least risky, Automation & Robotics because I find this area very interesting and see a future there and Nvidia because I am also interested in computers. However, I plan to invest 25% in both A&R and Nvidia in the future, or a little less in Nvidia, as this is a share and I want to avoid some risk here.

I have also bought $NTMC (+0,52 %) shares, as I see a good future there with regard to the increasing demand for rare earths, but I have to admit that I probably didn't inform myself enough, but as you know, you learn from that :)

In the future, I don't really want to change much in terms of asset composition, but would like to look at shares here and there and continue to expand my savings plan, possibly with a higher savings rate.

I've also already put aside a small "nest egg" and have the money in a call money account, which at least earns interest at around 3.8%, because it's important to me to be able to access a little money immediately.

I have added a few screens of my portfolio here and look forward to your comments!

A happy new year to everyone :)

$NOM Hey guys, check out Nordic Mining. The company has been around since 2003, so it has a lot of experience and shows some security as a penny stock. It also has good holdings in other companies. It certainly can't hurt to invest some dividends in the penny stock.

$MEDA
$NTMC (+0,52 %)

#pennystocks
#future
#growth

Hello everyone,

$NTMC (+0,52 %) take along? What do you think?

Cheers ✌️