Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (-0,4 %) Deka DividenenStrategie - €100 per month.
• $CSPX (-0,34 %) Ishares S&P 500 - 50 €/month
• $VWCE (-0,42 %) Vanduard FTSE All World - 50 €/month
• $BRK.B (-0,45 %) Berkshire Hathaway B - €50/month
• $SMEA (-1,08 %) Ishares MSCI Europe 50 €/month
• $VHYL (-0,65 %) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (-0,42 %) , $AMZN (+0,72 %) , $AAPL (-0,76 %) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (-0,03 %) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (+1,02 %) buy.

Should be removed from the portfolio:

• $TGT (-0,15 %) Target
• $NKE (-2,6 %) Nike
• $D6RF (+0 %) Deka Umweltinvest
• $DEDG (-1,51 %) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

Apart from the products themselves, no matter what you think of them, they are still being bought more and more every year.

$AAPL (-0,76 %) is currently lagging far behind with its AI, which promises growth in recent years and for the coming years.

In my portfolio $AAPL (-0,76 %) already plays a larger role with just under 15%. I still consider the share to be a good investment, which in my view will continue to rise steadily over the next few years, but not at the same rate as other shares.

Would you reduce the position and switch to other shares or continue with a savings plan as before?

With the departure of an important AI manager from $AAPL (-0,76 %) to $META (-1,26 %) I have decided to sell my Apple shares. Apple has been trying to get a foot in the door with AI for months ... but it doesn't look too rosy.

If you believe high-ranking Apple employees, this prominent departure of Ruoming Pang could set off a chain reaction. Numerous AI engineers have already announced their intention to leave the company. Meta and Co. will be pleased.

Zuckerberg in particular is opening his wallet wide to recruit AI experts. Will this be successful? We will find out!

I myself have been using Apple products for years and am also very satisfied, but AI will be a mega topic in the coming years, and there are other companies that are far better positioned.

Jim Cramer on Apple: High rating and tariffs

Apple $AAPL (-0,76 %) is currently the center of attention for CNBC host Jim Cramer, who takes a critical look at the stock's worrisome performance. This year, the popular tech stock has already lost 12.4% in value, partly due to the negative impact of President Trump's tariff announcements. The latest measures and manufacturing challenges in China raise serious questions about how these tariffs could impact Apple's financial health. Cramer has questioned the stock's high price-to-earnings ratios in recent weeks and believes the current valuation may be stretched. He urges investors to keep a close eye on Apple's performance and provocatively asks the question: "What are we really paying for Apple?" Cramer is also optimistic about investment opportunities in the field of artificial intelligence, which he believes could offer better growth potential.

Bessent warns of the return of tariffs

In the US, Treasury Secretary Scott Bessent recently announced that tariff letters will be sent to around 100 countries in the coming days. This measure follows the end of the Trump administration's 90-day tariff lockdowns. Bessent issued a stark warning that the original tariffs, which were set on April 2, could return if negotiations do not make progress. The letters could include tariffs ranging from 10% to a staggering 70%, with Bessent clarifying that the highest rates will not apply to major trading partners. This move could have a significant impact on global trade, particularly in the context of existing tensions between the US and China. Bessent sees himself in a strong negotiating position and calls on trading partners to act quickly to avoid higher tariffs and stabilize trade relations.

Sources:

https://finance.yahoo.com/news/apple-inc-aapl-pay-apple-191213724.html

https://finance.yahoo.com/news/bessent-says-tariffs-boomerang-liberation-162740244.html

$AAPL (-0,76 %) I have to pay for my iPhone somehow 😆

Just read at TR 💁🏻‍♂️

$AAPL (-0,76 %) is considering using artificial intelligence technology from Anthropic, or OpenAI, to power a new version of Siri instead of its in-house models, Bloomberg News reported Monday, citing people familiar with the talks.

Of course $TSLA (+1,03 %) massively overvalued! Does that make it a clear short position? Absolutely not! $TSLA (+1,03 %) is not a normal commercial enterprise. $TSLA (+1,03 %) is a religion, just like $AAPL (-0,76 %) .

Every piece of bad news is bought, every hot air statement by the CEO, no matter how unrealistic, is bought. $TSLA (+1,03 %) is for me one of the easiest stocks to manipulate with such a market volume.

No matter what is said, the disciples buy, buy and buy. So no, $TSLA (+1,03 %) is like $PLTR (-0,11 %) a stock that is extremely risky to trade against.

Let's take robotaxis as an example. The share price jumps because, after many promises, 10 cars have been put on the road as assisted driving with a passenger and an accompanying vehicle. But only in good weather and in bright light.

The profits to be generated from this are extrapolated as if there were no competition and it will be rolled out across the board from 2027. Just for comparison, it took Waymo 7 years to get permission to drive the vehicles without an attendant. Even if there is a very risk-averse government in the USA right now, but I believe that this will still be decided by the states and not by decree. That's why it started in Texas. It will take at least 10 years to roll it out across the whole of the USA. In Europe, I don't think it will be before 2050.

There is plenty of competition, just like with humanoid robots. The cars will only be bought by the religious community.

I think it will stay that way.

And even though I'm assuming a highly exaggerated valuation, I'm not going to bet against this religion.

I think the fair value is between 100-150 rather than 400-500, but I don't believe it will get that far.

I think so and am increasingly betting on some of them in my long-term portfolio. But not the classics gold and silver. But rather rare earths etc. These are needed in industry for everything that is high-tech, cars etc. and they are only available to any significant extent in China, approx. 75% -80% of the global market, in Russia 10-15% and in Europe in Ukraine, where they are not developed. This is the main reason for DT's negotiations with Ukraine and China. Without them, he can shut down his high-tech industry. On the other hand, this is also the reason why many companies like $AAPL (-0,76 %) cannot relocate their production to the USA because they can get the raw materials they need much more easily in China. The same applies to $TSLA (+1,03 %) and many other companies. The USA is dependent on China and the Chinese have the upper hand. The future of the high-tech world depends on raw materials and this is not OPEC oil like it used to be.

So here is another interesting report on the current situation.

https://www.n-tv.de/wirtschaft/Exporte-seltener-Erden-fallen-auf-null-article25859016.html