3Mo·
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Hello everyone,

I would also like to introduce myself and my portfolio briefly and concisely.

I've been a silent reader for a few months now. Now it's time to reveal a bit about myself.


About me:

My name is Sebastian, I'm 30 years old and I live in Bavaria. I live with my girlfriend in a house I inherited from my parents. I work in the business world as a mechanical engineer.

I can't say exactly when I started investing. I probably started about 4-5 years ago by participating in share bonus programs through my work. Otherwise, my investments have been steadily increasing since the coronavirus era. I was mainly triggered by Finfluencer. There are good and bad things about that. Good: I started investing. Bad: I bought a lot of things stupidly/blindly. I'm now trying to straighten that out and no longer follow such people.

Monthly savings rate approx. 2.5 to 3.0 k€.

I am not fully invested. I have and will continue to have a good cash position.


About the portfolio:

The aim is to create a healthy mix of growth, dividends (growth) and a stable, healthy basis. The dividends also serve somewhat as a "bonus".

As mentioned above, I have (or had) some stocks in my portfolio that I was/am not satisfied with and which I have therefore recently cleaned out and reallocated the freed-up capital. The reorganization process is still ongoing. Roughly speaking, I would generally like to have fewer individual stocks in my portfolio and will shift the weighting to ETFs.


About the individual stocks in the portfolio:

  • $IUIT (+0,62 %) This is a pillar of my portfolio. It runs with a monthly savings plan for €1000. The idea behind it is an ETF that gives me a good return and ideally outperforms "world ETFs". Sure, it's an ETF from one sector, but I think that's fine. The savings plan will continue to run.
  • $HMWO (+0,78 %) Also a pillar of my portfolio. Runs with a monthly savings plan for €1000. My selected "World ETF". Savings plan will continue to run.
  • $XAIX (+0,57 %) I am unsure about this. Also a sector ETF. Runs with a savings plan of €250 per month. Also technology-heavy. I'm thinking about cashing it out to compensate for the losses and to take profits from the current tech hype.
  • $SHL (-1,29 %) Largest single share position. Created through the share program mentioned above. 250€ monthly savings installment. The shares are sold selectively as soon as all the conditions of the program have been met and I have received maximum bonuses. I then switch directly to other stocks so that the SHL position does not become too large.
  • $KO (+1,1 %) It has recently become a pillar of my portfolio. Dividend growth, acceptable share price growth, few fluctuations. I like it. Will not be expanded for the time being.
  • $MCD (+2,19 %) See CoCa Cola. Has recently become a pillar of my portfolio. Dividend growth, acceptable share price growth, few fluctuations. I like it. I also see the share as strong in the real estate sector. Falling interest rates could trigger another good move here. Will not be expanded for the time being.
  • $GOOGL (-0,6 %) difficult. It has performed well, but is now considering realizing profits. Through my ETFs. I already have this stock indirectly in my portfolio. However, I have deliberately increased the weighting of this individual stock in my portfolio. Rather than buying more, I would rather take profits. However, I would add to it again after a correction.
  • $MC (-2,6 %) To be further expanded. Target 10k in the portfolio. I used the last small price slide as an additional purchase. Long-term investment. Will be bought at the next opportunity.
  • $AMZN (-0,02 %) See Google. I already have this stock indirectly in my portfolio. However, I have deliberately increased the weighting of this individual stock in my portfolio. Rather than buying more, more profit-taking. However, I would add to it again after a correction.
  • $JNJ (+0,03 %) To be further expanded. Target 10k in the portfolio. Dividend growth, acceptable share price growth, few fluctuations. I like it.
  • $PG (+3,31 %) Recently added to the portfolio. This stock should give the portfolio further stability. Target of €10k in the portfolio.
  • $V (+1,22 %) Recently added to the portfolio. This value should give the portfolio further stability. Target of €10k in the portfolio.
  • $NKE (+0,58 %) Difficult position. The recent dip was hard. Outlook also not good, if not bad. As things stand, I would like to sell this share. But I am reluctant to sell with a loss of just under € 1k. I will probably hold on for a while and then decide objectively. I had invested a little here after the dip in order to take advantage of a potential countermovement. I could have saved myself the trouble...
  • $BLK and $TROW (-1,27 %) same segment. I would like to decide on a share here and then expand it into a pillar of my portfolio. But which of the two...?
  • $SBUX (+2,49 %) Doesn't really fit into the portfolio anymore. The outlook isn't great either. I will probably sell it at +-0€ and shift the capital into a position to be expanded.
  • $MPW (+8,53 %) Legacy and memorial! Will continue untouched for now.


Of course, there have also been some failures so far, some of which have depressed performance considerably.

Any examples?


$YSN (-1,43 %) : -36,80%

$PLUG (+1,6 %) : -61,58%

$PYPL (+3 %) : -14.68% (good luck for bad luck...)

$NKE (+0,58 %) and $MPW (+8,53 %) can probably be counted as well.


That's it. It has become a smaller wall of text. Sorry for that.


Feel free to give me feedback on my thoughts and the portfolio.


Have a nice weekend everyone!

17Positions
172 333,28 €
17,15 %
64
26 Commentaires

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Great portfolio presentation. Others can take a leaf out of your book 👍
14
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I think it's good! I have a more positive view of Nike and MPT than you do. I bought both in the last 10 days. For me, Nike is a brand to leave lying around, so for me it has a long horizon of up to 10 years or more
2
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His great-grandfather, short and sweet
2
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Very successful presentation of your portfolio with comprehensible reasons & learnings from your decisions. You can be inspired, thank you & keep up the good work!

Hats off to this high savings rate! 🎩
2
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Everything double and triple and very usa heavy. Longterm not good
2
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Great portfolio colleague, I also work at $SHL. Best regards
1
Wow! All stark👏🏻👏🏻
1
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What is your basic goal and investment horizon?
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Bin TROW Fan Boy. :)
I also have some of your "fails" in my portfolio: I think Secunet is also beyond -25% and Paypal should be around -18%. How do you deal with such positions? I've always held stubbornly so far, but that wastes a lot of time.
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