Medium-term objective to buy positions in $MA (-0,34 %) y $V (-0,14 %) when they reach a more appropriate price

These are companies that have performed very well in periods of crisis and maintain stable and growing dividends and constant results.

To equalize the risk a bit, when I have my portfolio at full capacity it will be composed of:

60% Technology with Growth Potential

$GOOGL (+0,94 %)
$NVDA (+2,01 %)
$MSFT (-1,05 %)
$META (-2,23 %)
$AAPL (+1,34 %)
$AMZN (+0,26 %)
$ABNB (+3,68 %)
$NFLX (+0,09 %)

30% Well-performing companies in crisis with stable growth and dividends.

$WMT (-2,1 %)
$MCD (-0,31 %)
$ITX (+1,17 %)
$MA (-0,34 %)
$V (-0,14 %)

10% Companies that can give good results in the long term and are going through temporary difficulties or companies that do not have profits because they reinvest everything in growth (riskier investments but with a higher possible return).

$BFIT (+0,23 %)
$NKE (-6,85 %)
$BMW (+0,87 %)

Any ideas to contribute? 💡

Hello everyone, I am 19 years old and started investing in September 2024. My investment strategy is based on the buy-and-hold methodas I want to build up assets over the long term. My goal is to reach the 100,000 euro mark as early as possible. To achieve this, I have set up a monthly savings plan of around 800-1000 euros, which I save consistently.

My portfolio

My portfolio currently consists of a mix of ETFs, individual shares and a small proportion of Bitcoin.

I have a few selected individual stocks in my portfolio, including:

$GOOGL (+0,94 %) - for the strong growth in the tech sector

$ALV (-0,66 %) - as a defensive stock with a stable dividend

$MCD (-0,31 %) - for the stability and cash flows in the consumer sector

$TSLA (-4,58 %) - for the long-term future in electromobility

$ASML (-1,59 %) - as a power monopoly in Europe

I have deliberately selected these shares to cover specific sectors and future markets.

Dividend stocks

At the beginning of my journey, I bought some dividend stocks to generate small but steady income. Now, however, my focus is on growth stocks and ETFs.

$BTC (-0,2 %) :

I have also invested a small amount in Bitcoin in order to benefit from the development of cryptocurrencies. However, this is only a very small part of my portfolio, as my main focus is on traditional equities.

My current strategy

On my Trade Republic account I still have a large amount of cash parked. I would like to invest this capital gradually, focusing primarily on dips and potentially better entry points during a possible bear market. For now, however, my focus remains on continuously investing in my existing portfolio and continuing my savings plan.

My savings plan

My aim is to continue to save regularly in ETFs, as they provide a solid basis. In the long term, I would like to increase the weighting of individual shares via the savings plan if promising opportunities arise.

Question for the community

What would you recommend? Should I focus more on individual stocks or should I continue to prefer ETFs? And how do you see the combination of dividend stocks and growth stocks?

I look forward to your feedback and tips on how to further optimize my strategy!

My portfolio shows a breakdown into different sectors and areas:

trade Republic: the shares and ETFs

scalable Capital : the gold

This is just the portfolio I want to hold for the next few years with a long-term savings plan. And if necessary, individual purchases where the opportunity arises, I think I am now quite well positioned or what do you think of the portfolio.

Stocks that I would like to hold for the long term

• Technology:
• 
  $MSFT (-1,05 %) Microsoft,
• $AAPL (+1,34 %) Apple,
• $GOOGL (+0,94 %) Alphabet,
• $ASML (-1,59 %) ASML
• $NVDA (+2,01 %) NVIDIA
• $TSLA (-4,58 %) Tesla

• Consumer goods:
• $KO (-0,4 %) Coca-Cola,
• $PG (-1,24 %) Procter & Gamble,
• $MCD (-0,31 %) McDonald's.

• Finance and insurance:
• $JPM (+1,21 %) JPMorgan Chase,
• $ALV (-0,66 %) Allianz,
• $V (-0,14 %) Visa

• Real Estate:
• $O (+1,22 %) Realty Income.

• Armor:
• $LMT (+0,94 %) Lockheed Martin.

• Retail:
• $WMT (-2,1 %) Walmart.

- Luxury:

$MC (-0,25 %) LVHM

- Various areas:

- $8001 (-0,17 %) Itochu

- Health

$JNJ (+0,03 %) Johnson & Johnson

ETF as core overlaps are relatively unimportant to me in this area :)

- FTSE All World :

$VWRL (+0,18 %)

-Global Quality Income:

$FGEQ (+0,06 %)

and then as a supplement

$BTC (-0,2 %) bitcoin

and gold $EWG2 (-0,3 %)

Hello everyone. I started my journey on the stock market in April and I definitely don't regret the decision.

(According to GQ since 2022, but I only tested the stock market and Bitcoin with play money of €125, but sold it again straight away and the stock market was then next to nothing).

I'm now in my mid-21s and still live at home. My strategy is to build the basis with the $SPYI (+0,26 %) ACWI IMI, and with the $CSNDX (-0,01 %) NASDAQ 100 and stocks (maximum 10) that are high quality and buy to hold and should yield good dividends in maybe 20 years (small side income). With $BTC (-0,2 %) or altcoins I am currently testing myself and trying to understand it better.

The $CSPX (+0,32 %) S&P 500 with €500 per month

This is for a possible house construction in 7-10 years. (I am aware of the risk)

On the other hand, I put €50 in the $IWDA (+0,23 %) MSCI World for my parents in 10 years when they retire and €100 in the $VWRL (+0,18 %) FTSE-all world as a fixed pension. (An additional €200 per month via insurance-linked provisions such as Rürup and private pensions)

The Nvidia position is only so highly weighted because I got in at 104 euros with my nest egg (2.5k). It was a risky move, but as I don't need any big reserves apart from my car, I thought, why not?

Future goal: continue to expand the base with ACWI IMI and NASDAQ, and also add a few individual stocks that are perhaps not so heavily weighted in the existing ETFs. $MC (-0,25 %) LVMH $OR (-0,71 %) L'Oreal or $MCD (-0,31 %) McDonalds, for example

The only thing I'm still wondering about in my first year on the stock market and don't know...tax.

I was thinking of selling the Nvidia nest egg position to take advantage of the tax-free allowance and have the money safely back in my account. The problem is that Nvidia is currently falling sharply. How do you do this or what is your advice? Or would you rather sell some of the ETFs? Thank you very much!

A large Big Mac menu with fries and cola, without ice cream

Time to go to the golden seagull again 😂

When do you let a savings plan expire? $MCD (-0,31 %) is saved with 50€ per month and is now my 3rd largest position in the portfolio (after $MSCI (+0,09 %) and $AAPL). I'm still convinced, but thought I'd put the €50 into other companies first so that there isn't a big gap in my portfolio ( $AAPL (+1,34 %) is still running away from everyone, but this is my absolute favorite company)

Dividends the gift of companies

Dear investors

Today's question is which dividend stock is the high flyer?

The shares are different in different areas, i.e. is the share a growth share or a dividend share.

These are the two comparisons with the characteristics. This means that if I want to have a dividend portfolio, I have to choose the dividend stocks. The dividend yield is a characteristic of the share. I should pay attention to this when it approaches the double-digit yield figure, whether this pays off positively is questionable as it has to decide whether to pay out the yield and go into debt or whether to let the yield fall to compensate for the losses.

The companies that achieve a constant yield distribution are obviously becoming safer year after year, but the royal companies have a 50-year dividend payout.

But the past is not the future.

So I would concentrate on the steady development of the share price and check whether the development is positive. The motivation is to be self-aware and prove my abilities. So I know how it works with investing in my own research of the market. The feeling of movement is an up and down of emotions and it is like a betting ticket only that it is not a matter of winning or losing after 90 minutes but it is only over when I sell the share again and then I know whether I have won or lost.

If I want to win, I simply have to have time and decide whether to take the short profit or whether I have more time and short-term fluctuations don't cause panic. Then I let the right stock pay dividends until the end of the success.

My personal favorites are:

1 $Coca-Cola

2$PG (-1,24 %)

3$JNJ (+0,03 %)

4$NESN (-0,19 %)

5$MCD (-0,31 %)

6$BLK

7$MSFT (-1,05 %)

8$WMT (-2,1 %)

9$XOM (-0,4 %)

10$V (-0,14 %)

These are some pretty stable companies.

Which company is your best dividend stock?

Let me know which one you favor ✌️

Don have a great time during the rest of the year and enjoy the good things in life 🫶🎄⛄️🧘📊🆕🎆

Portfolio feedback requested

I (early 50s, so still a good 15 years to work on the portfolio) would like to hear your opinion. I've been with Trade Republic since January, mainly because of the 4%. But then I started saving a few ETFs, then buying and selling a few shares. So I played around. At the moment my portfolio has three or rather four different parts. Let's put it this way, the family treasury has given me around €10k to play with. The rest remains in call money.

Of this 10K I would like to have a part to play, individual stocks, §IWDA, other ETFs that are close to me because of my work, XRP.

But that's not my topic here.

I want to build a dividend portfolio. Reduce working hours or improve pension, we'll see where the journey takes me. For now, I would reinvest all payouts.

The composition from December would look like this:

$MCD (-0,31 %) 15%

$EXSH (-0,34 %) 9%

$MAIN (+0,27 %) 9%

$ARCC (+0,78 %) 9%

$HTGC (+0,38 %) 9%

$O (+1,22 %) 9%

$CSWC (+0,32 %) 5%

$PFE (+1,49 %) 5%

$KAP (-2,04 %) 5%

$JEGP (-0,04 %) 5%

$TGT (-0,34 %) 3,5%

$GAIN (-1,01 %) 5%

$QYLE (-1,41 %) 5%

$VHYL (+0,11 %) 1%

What do you think about the composition? Should something go in/out?

My aim would be to distribute the monthly distributions evenly. I'll have to play around with the ratios a bit.

My problem is that the months of January, February, April and May look too poor. What would you suggest that pays out in these months?

Roast me!