9Mo·

Hey everyone, I've started investing since last week when I turned 18.

Before that, I read up on "basic books" and watched YouTube videos from Finanzfluss to inform myself a bit.

I was able to save up 2500€, which I am ready to invest.

My strategy is 70 (ETF)/30 (share), as I want to invest for the long term.

Unfortunately, in my opinion, I have invested far too much in individual shares (as I am a friend of falling shares) and had forgotten the 70/30 rule...

I have now bought a few promising shares to see how they develop.

I currently have a monthly savings plan of 350€/month. And I'm trying to include emerging markets in the ETF.

$$IWDA (+0,02 %) - 200€

$EIMI (+0,47 %) - 75€

$MC (-0,23 %) - 25€

$BATS (+1,5 %) - 25€

$GOOGL (-0,08 %) - 25€

This year I would still like to manage to get the 70/30. Because I'm a bit annoyed with myself.

I'm also thinking about selling a few shares that will soon no longer be in the red to "clean up" my portfolio, as I unfortunately invested too quickly and thoughtlessly.

Many thanks for your feedback.

9Positions

2 002,11 €

0,04 %

18 Commentaires

Dividenden-Penner@Dividenden-Penner

9Mo

With 9 positions and this volume, you don't have to clean up anything!
Leave it and watch the prices in your portfolio and learn from them. No portfolio in the world only goes up (even if some people claim it here). The important thing is to develop a feel for the stock market and understand that price fluctuations are completely normal and not the end of the world. Collect a few dividends as a motivator and otherwise keep feeding the portfolio. With the savings rate mentioned, you can probably retire at 50 (if you keep it up).
The stock market is a marathon - not a sprint! 🤓

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Wiktor_06@Wiktor_06

9Mo

@Dividenden-Penner Thank you for the motivation. So you wouldn't change anything in my savings plan?
And could you perhaps explain to me how these dividends work?
So you get the dividends credited to your account (at least with Trade Republic), do you possibly know how I pay tax on all these things when dividends are exhausted?
Does the app do it automatically or do I have to take care of it myself?

Many thanks for the answer.

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Dividenden-Penner@Dividenden-Penner

9Mo

@Wiktor_06 Make sure that the tax-free allowance (up to €1000) is entered with your broker, then you will not pay tax on capital gains such as dividends, interest and sales profits. Your bank will do everything else automatically.

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Wiktor_06@Wiktor_06

9Mo

@Dividenden-Penner Thank you very much. As I only have "very few" assets anyway, I shouldn't have to worry about getting over €1000 a year.
Thank you very much !

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Wolfgang@DerWolf1983

9Mo

Hey, that sounds like a really good start in the world of investing! You've already built a solid foundation through books and videos and you're approaching it with a clear strategy - that's super important. Your split of 70% ETF and 30% equities fits perfectly with a long-term approach, and it's perfectly fine to experiment, especially at the beginning. The important thing is to stick with it, learn from your experiences and keep reviewing your strategy. I'm not a fan of emerging markets at all, which is why I'm not commenting on them. Good luck on your investment journey - you're on the right track! 💪📈

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Wiktor_06@Wiktor_06

9Mo

@DerWolf1983 Thank you for this beautiful and motivating message. Why are you not a friend of emerging markets?

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Wolfgang@DerWolf1983

9Mo

Emerging market ETFs are often less attractive to me because the potential returns are too low in relation to the risks taken. Despite the higher risk, the profit potential often falls short of expectations in my opinion. I don't think it makes much sense to invest for years and only achieve an average return of just under 5%.

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Soprano@Soprano

9Mo

I myself am 90% in individual shares and 5% each in funds and ETFs. You don't have to be angry with yourself. If you enjoy individual stocks, then stick with them. In the end, the strategy has to suit you and it doesn't matter what anyone else thinks is right. The 70/30 or core-satellite-whatever strategy doesn't always have to be the best.

What I can tell you in any case is that both of your ETFs are nonsense - choose 1 of them, no matter which one. But you don't need the same thing twice. And if you buy individual shares, maybe start with something more solid first. There are so many simple must-have stocks that nobody should be forced to buy Nio as one of the first 100 stocks.

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Wolfgang@DerWolf1983

9Mo

@Soprano That's exactly how I thought and for the time being I'm only investing in the S&P500, Bitcoin and gold. There are also two other ETFs (small amounts): MSCI World Small Cap and Coinshares Physical Crypto Top10. The trick is - and I hope it will work: Sell gold on sharp dips (in the hope that it will then rise, as it is a "safe haven") to buy S&P500 or BTC with it.

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Wiktor_06@Wiktor_06

9Mo

@Soprano Thank you for the detailed answer.

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Patrick@Pazi3

9Mo

I had exactly the same thing as you.
Individual shares are fun 😉

But it makes more sense to start with an ETF.
I have now shifted into the S&P500 and feel very comfortable with it.

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MoneyIncinerator@DoppelSchlechtMinus

9Mo

Since you asked about taxes in the comments: If you haven't already done so, you should find out about withholding tax on dividends from France as it affects you at $MC.

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Wiktor_06@Wiktor_06

9Mo

@Dividensenmann Thank you very much my best.

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Wachstums_Aktionär@schokosahne

9Mo

Very cool to be investing at such a young age.

I don't like your individual stocks at all, with 2 exceptions. Here, quality companies will always rise in the long term, so in principle you can also invest at the all-time high with your young age and it won't be exciting in many years.

I would focus on 2 etfs, either all world with emerging markets or all world with the nasdaq.
You'll have to see what your fable is, unfortunately I personally don't like etfs at all.

I would go for Microsoft for the tech sector.
Novo nordisk for the health sector.
Visa or mastercard for the financial sector.

For 4 it depends on you, for me basic consumption is absolutely unexciting.
I think cyclical consumption is better and would go for Hermes or lvmh.

In the industrial sector you can be free to choose whether it's an asml or a copart or an amphenol.....

That would be it, because you want to outperform the etf with the individual stocks and you will hardly manage it with basic consumption.
Utilities and energy are not exciting as a private investor.

That would be my advice for you and please always look at the balance sheet for individual shares. The stock market can do what it wants tomorrow and in a year's time.
In 5 to 10 years it will reward it and bring corresponding returns.

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Wiktor_06@Wiktor_06

9Mo

@schokosahne Thank you for this nice detailed text.
So would you advise going into 6 different areas of individual stocks and then investing in ETFs?
Would you sell the other stocks (are currently in the red) or keep them in the portfolio and buy the other stocks?

But honestly thank you for this answer.

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Wachstums_Aktionär@schokosahne

9Mo

@Wiktor_06 in principle you are betting on the strongest and most solid sectors, of course a McDonald will grow, but not compared to an msci or an asml.

At the same time you don't want energy or utilities, they are more there to compensate for inflation, that's what your etf is for. These areas are not exciting for you.

Here I would focus on the great companies in the various sectors and thus maximize the return, you get security through your etf. That's why you don't really care about the country breakdown of the shares. The etf provides this, you only look at sectors and maximum returns with the best balance sheet.

You'll have to see to what extent you get out or in, I personally don't know some of the companies in your portfolio and can't assess them because I don't know the volant.

With your great companies, please make sure that you buy long-term uptrends.
That is the strategy.
If the shares are running in the trend channel you don't have to do anything, if they break it you can get out and secure it with a stop loss.
Things will certainly go wrong here if the upward trend breaks.

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Wiktor_06@Wiktor_06

9Mo

@schokosahne Thank you for the tips, honestly.

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Wachstums_Aktionär@schokosahne

9Mo

@Wiktor_06 always happy, the beginning is hard.

The earlier you shift and the faster you run clearly into the green, the easier it will be.

I wish everyone success 🍀🙌

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