Hello to the community ✌️

I am new to this platform and would like to introduce my portfolio to you. I am more or less a newbie on the stock market. During the first corona lockdown, I started to get involved with the stock market. Towards the end of 2021/beginning of 2022, I opened my portfolio. I watched a lot of YouTube videos, read books and looked into finfluencers. Since then, I have been diligently buying and selling shares. Of course, I also had to learn a lot - and after three years of "stock market experience" I'm still paying, but fortunately not as much!

I recently discovered the Getquin platform and have been diligently reading posts and comments here. I'm curious to see what the more experienced among you have to say about my portfolio. I hope to gain a lot of added value from the platform and am therefore looking forward to numerous tips and suggestions for improvement.

Before I became intensively involved with the stock market, I had already saved a certain amount of money. Originally, this money was intended as equity for a condominium. But then came the coronavirus crisis, and during the first lockdown I decided to "spend" it on the stock market instead.

At first, like probably many beginners, I randomly bought whatever YouTubers and finfluencers recommended - without any real knowledge or experience. A good friend told me at the time: "Invest all your money in the $IWDA (-1,03 %)
and just let it run." But I had skepticism, fear and a lot of "But, but, but..." in my head. That's why I initially only invested a portion and later switched to the $VWCE (-0,92 %) to achieve a broader diversification. At the same time, I regularly bought and sold individual shares, etc....

Initially, my focus was strongly on dividends and dividend yields, but since last year I've been increasingly concentrating on growth stocks, so I haven't bought the $VWCE (-0,92 %) not bought any more for the time being. I want to change that over time and weight the ETF even higher

My current portfolio:

It currently consists of 36 positions:

- 1 World ETF

- 35 Individual stocks

I would like to reduce my portfolio to 30 positions or fewer in order to be more focused.

My strategy:

I plan to hold approx. 18-20 shares as growth stocks as growth stocks. The remaining positions should be dividend growth stocks be dividend growth stocks.

The technology/semiconductor sector has been weak recently (apart from Palantir), but I am convinced that it will outperform the market over the next few years. I would therefore like to hold this sector with 30-35% of the portfolio of the portfolio.

$PLTR (-3,33 %) is my largest position, but I have been thinking about liquidating it for a few weeks now because the valuation now seems to me to be beyond good and evil. However, I am actually a friend of letting profits run.

With REITs I'm still undecided as to whether I should liquidate them or keep them for diversification.

$DHR (+1,24 %) Over time, I would like to replace$SYK (-0,56 %) but no suitable opportunity has yet arisen.

$NOVO B (+5,32 %) , $ASML (-0,72 %) , $ALV (-0,14 %) and $MC (+0,4 %) should cover my European block. With these 4 stocks, I am optimistic that things will pick up again in the near future.

Planned portfolio allocation for the next few years:

TECHNOLOGY / SEMICONDUCTORS 30%

HEALTH 20%

FINANCES 15%

CONSUMER GOODS 15%

CONSUMER STAPLES 10%

INDUSTRY 5%

REITS 5%

I am looking forward to your tips and opinion, and maybe you have any stocks to add to my portfolio🫡 and sorry for the full text 😅

Have a nice evening 😬

German investors who bet on the capital market achieved decent returns last year. This is the result of an of the portfolios of 330,000 users of the Getquin platformplatform, which is exclusively available to Handelsblatt. According to this, the average return was between 24 and 30 percent, depending on the size of the portfolio.

Many of these investors are pursuing unnecessarily risky strategies. This is because they invest a relatively large proportion of their money in individual shares. In contrast, exchange-traded ETFs, which often track broad indices, account for a smaller proportion.

It is striking how much money Getquin users have invested in individual company shares. On average, the average share of individual shares is 55 percent of the investment capital. In contrast, the average ETF share is only 37 percent.

When looking at the individual portfolio groups, it is interesting to note that most individual shares are held in small portfolios. However, even in the over EUR 100,000 portfolio group, investors have invested more than half of their money in individual stocks.

German Getquin users particularly like to invest in tech companies, many of them from the USA. It is therefore not surprising that US companies frequently appear among the 20 most popular individual stocks.

Many investors prefer shares from their home country. This phenomenon is known as "home bias". This apparently selective perception in favor of the domestic financial market explains why Allianz $ALV (-0,14 %) , SAP $SAP, BASF $BAS (+1,69 %) , Munich Re $MUV2 (-0,6 %) and Deutsche Telekom $DTE (+0,67 %) are five German companies. Siemens $SIE (-0,45 %) and Mercedes Benz $MBG (-1,31 %) are in the next five places.

Andreas Hackethal is not surprised that Getquin investors overweight both the domestic market and the tech sector. The finance professor from Goethe University Frankfurt's own portfolio studies produced similar results: Investors bought many individual stocks and more often than average from the domestic market. In this way, they tried to beat the market. Hackethal criticizes the "poor diversification" of Getquin usersand says: "Having so many individual stocks is an unnecessarily risky strategy."

In relation to the tech sector, this approach is particularly problematic: Because many ETFs already include the big tech companies anyway - including the funds that are most popular with Getquin investors: Replicas of the world equity indices MSCI World and FTSE All World as well as the US S&P 500. There is also one ETF in the top 10 that focuses on technology companies. In this respect, investors have bought a double tech overweight via individual shares and ETFs.

How have the portfolios of Getquin users developed? The strategies look successful over the past year: All custody account groups made gains in 2024, says Steil. The largest portfolios achieved the highest average return.

In the longer term, however, the picture is not so rosy. In 2022, for example, "most of the smaller portfolios made losses", notes Steil. Larger portfolios, on the other hand, show "consistently good figures" over the years, according to the analysis.

The reason is clear: in the largest portfolios, the proportion of individual shares in cryptocurrencies, which also fluctuate greatly in value, is relatively low. The ETF ratio is correspondingly high at just under 40 percent. Investors with larger portfolios therefore invest their capital in a more diversified manner. Olaf Stotz, Professor of Asset Management at the private university Frankfurt School of Finance & Management, explains this as follows: investors would be more rational with larger assets.

Experts generally do not think much of a strategy that tries to achieve higher returns with individual shares than by betting on the broad market. "Buying individual shares is a very bad bet," warns Niels Nauhauser, capital market expert at the consumer advice center in Baden-Württemberg.

Researcher Hackethal confirms this: On average, "investors left three percent return per year if they try to beat the market with certain strategies. The researcher has calculated: Investing in individual shares is "twice or three times as risky" as investing in the MSCI World.

The return on even the largest Getquin portfolios was only 0.5 percentage points higher than the broad US S&P 500 index last year.

With a corresponding index ETF, investors would have achieved almost the same return, but would have spread the risk of portfolio losses much more widely - across all 500 shares in the index.

For Hackethal, there are therefore no rational reasons for an individual share strategy. Why do many people still invest in this way? Hackethal says: "They want to feel a kick. They overestimate themselves. And they want to make money as quickly as possible." All of this is particularly true of younger and male investors.

However, a look at stock market history teaches the opposite: For long-term wealth accumulation, it is important to be patient and realistic, Hackethal emphasizes. Nobody should expect a return of 20 percent or more in the long term.

With an ETF on the global share index MSCI World, an investor could have accumulated 100,000 euros over the past 20 years with a monthly investment of 250 euros. The average annual return was 6.8 percent. With a savings rate of 200 euros per month, this mark would have been broken after 21 years on average.

This is not a rapid increase in wealth, as promised by windy finfluencers with reference to hype stocks such as Nvidia or cryptocurrencies. On the other hand, an investor with such an ETF strategy is taking significantly less risk.

Read the full article here: handelsblatt:%20Diese%20Daten%20zeigen,%20wie%20riskant%20viele%20Deutsche%20investieren%20-%20https%3A//hbapp.handelsblatt.com/cmsid/100094935.html

Source / graphics: Handelsblatt, 17.02.25

DAX reaches new all-time high again 🇩🇪📈💶👑. The left, trade unions and Wahra Sagenknecht would say that the stock market is a casino and a game of chance. Some people just always want to be wrong. Samsung Galaxy Watch 7 Which German shares do you have and how have they performed? #dax
#dax40
$LYY7 (-0,59 %)
$SIE (-0,45 %)
$ALV (-0,14 %)
$SAP (-1,87 %)
$VOW (-0,15 %)
$BMW (-0,12 %)
$P911 (+0,35 %)
$RHM (-1,89 %)
$ENR (-4,27 %)
$AIR (-3,2 %)
$DTE (+0,67 %)
$DBK (+0,12 %)
$DHL (+0,55 %)
$CBK (-0,9 %)
$MBG (-1,31 %)
$PAH3 (+0,48 %)

...and hello $EQAC (-1,51 %) .

This leaves the remaining individual stocks in my portfolio:

$TSM (-0,58 %)

$GOOG (-2,32 %)

$ALV (-0,14 %)

Although I now only hold ETFs, I will probably keep these three and simply stop investing. They're doing quite well as it is. 🥳

Hello, I am thinking about restructuring my portfolio, which in my opinion is very unbalanced, with a view to the future. I'm thinking of an investment horizon of around 15-20 years.

I would like to structure the core of my portfolio with the help of 60% #etfs with the help of

• $VWRL (-0,91 %) 30%
• $CSPX (-1,14 %) 30%

In addition, around 5% of my postage portfolio is to be #crypto above all $BTC (+0,74 %) consist of

I invest the remaining 35% in individual stocks.

• Technology sector 8%
• Thought of $MSFT (-1,57 %) , $GOOGL (-2,28 %) , $AMZN (-2,39 %) , $SAP (-1,87 %) ,$NVDA (-3,63 %) in approximately equal parts
• Healthcare sector 4%
• Something like $JNJ (+2,12 %) , $NOVN (+1,73 %) , $NOVO B (+5,32 %) but I'm not quite sure here yet, I want to read up on it in more detail
• Consumer sector 6%
• Thought of $COKE (-2,91 %) , $1810 (+2,88 %)
  $PG (+2,23 %) but not sure yet either
• Industrial sector 5%
• Something like $6501 (-4,28 %)
  $SIE (-0,45 %)
• 
  Energy sector 7%
• $SHEL (-1,69 %) , $ENR (-4,27 %)
• 
  Financial sector
• $ALV (-0,14 %) and $NU (-11,11 %)

I currently have a monthly savings rate of 400-500 euros in addition to my studies and would divide this up accordingly and put it into a #sparplan and put it into a savings account.

What do you think of the weighting and do you have any tips, especially in the health sector?

Brief feedback is very welcome

#stockanalysis
#portfolio

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.

A recent W+ article by the "Welt" editorial team presents supposedly lucrative dividend stocks.

Here is a selection of 18 shares "with high dividends and quality":

$RICHTER (+0,3 %)

$KRI (+2,11 %)

$FSBW

$FAST (+0,76 %)

$MDLZ (+4,45 %)

$RHI (-0,44 %)

$PLD (+1,06 %)

$VIS (-0,25 %)

Two from Germany also made it onto the list:

$ALV (-0,14 %)

$SIE (-0,45 %)

Judge for yourself and feel free to comment with your opinions.

I have been implementing my own trades for 1.5 years now, sometimes more actively, sometimes less.

I would like to use this year to share my trades here and review them.

So yesterday evening was the day. $LLY (+0,32 %) and $ALV (-0,14 %) ran into my zone and delivered an entry signal. As a result, the TP was actually reached quickly for both of them during the course of today.

$LLY (+0,32 %) at + ~ 130% (just picked up😂)

$ALV (-0,14 %) at + ~ 117%

Have a nice evening :)

Hello everyone 🤘🏻👨🏻‍💻,

for fun I let ChatGPT play as my investment advisor and asked how he could invest 3.500 € in shares in shares. His answer:

📌 4x $CVX (-0,58 %)

📌 5x $TTE (-1,26 %)

📌 3x $ALV (-0,14 %)

📌 3x $JPM (-0,57 %)

📌 1x $ASML (-0,72 %)

📌 1x $AVGO (-3,16 %)

📌 10x $VHYL (-0,58 %)

Doesn't sound so wrong to me 👀.

How would you currently invest €3,500? 👆🏻🤓

Hello everyone 🤘🏻👨🏻‍💻,

I have recently realized that my portfolio is not sufficiently focused on dividend stocks. I would therefore like to change this now and look forward to your recommendations! 📈💰

I currently have a few stocks on my watchlist that I'm taking a closer look at:

$XOM (-0,73 %)

$EOAN (+0,41 %)

$SHEL (-1,69 %)

$ALV (-0,14 %)

$MUV2 (-0,6 %)

$T (+2,01 %)

$CVX (-0,58 %)

$TTE (-1,26 %)

I'm also looking a little more closely at oil stocks at the moment, as "Drill, baby, drill" ~ Donald Trump is back in vogue.👆🏻

Which dividend stocks do you have in your portfolio or on your watchlist? I am curious! 🤘🏻🤓