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Dominik
@Arminmns
2J·

Build a portfolio with 16

I've finally managed to convince my parents that it's time to dive into the stock market and start investing regularly. As of March, I have a monthly budget of €538 (mini-job), which I will invest in various ETFs and shares to build up a broadly diversified portfolio to have a good buffer after graduating from high school.


My plan:


1. core/buffer (70%)


The majority of my budget goes into broad and stable ETFs that offer broad diversification:


$IWDA (+0,22 %) (200 €): This is my basic ETF that covers companies from the largest and developed markets. It offers a stable and long-term source of growth.



$CSNDX (+0,73 %) (100 €): This ETF focuses on technology companies that are likely to continue to grow strongly over the next few years.


$XMME (-0,1 %) (75 €): I also want to invest in emerging markets such as China, India and Brazil to benefit from the momentum in these regions.


2. theme-specific ETFs (20%)


Here I focus on promising themes and markets:


$DFEN (-0,32 %) (50 €): An ETF that invests in the defense industry, a sector that could continue to grow in the coming years.


$INRG (-1,15 %) (50 €): Sustainability and the energy transition are important . I would therefore like to invest in renewable energies in order to benefit from green energy.


3. individual shares (10%)


I want to supplement my portfolio with individual stocks that have the potential for strong growth.


~60€ left for:


E.g

$NVDA (+4,93 %)

$TKA (-1,49 %)


I'm delighted that I can finally start investing and I'm excited to see how my portfolio will develop over the next few years!


Any ideas for improvement or tips? Keep them coming 👀

6Positions
45,92 €
0,82 %
17
18 Commentaires
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Wiktor_06@Wiktor_06
2J
Definitely a good plan.
I'm also only 18 and I'm still doing a few altcoins and adding BTC.
Maybe it would also be a possibility for you to invest in BTC.
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Dominik@Arminmns
2J
@Wiktor_06 unfortunately my broker does not allow this
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Wiktor_06@Wiktor_06
2J
@Arminmns then I would definitely do it at 18🙏
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Marcel@xzxzx
2J
First of all, great respect.

But I would rather concentrate on your core, i.e. the first three mentioned, if you think this makes sense.

When it comes to ETFs, I'm not sure whether this is such a good addition. Palantir is the largest position, it's already in the Nasdaq anyway and I think also in the msci (if not, it shouldn't be too long now). That means you have Palantir in your portfolio three times. The same applies to NVIDIA. It also has to be said that it takes far too long until you have invested a reasonable amount in NVIDIA, rather the 50-100€ more in Nasdaq or msci, which invest in NVIDIA anyway.

The Energy ETF is nonsense in my opinion. There are already some companies in the MSCI. If there is a huge upswing there, they will very likely be represented in your core ETFs in the medium to long term anyway.

Concentrate on your World ETF at the beginning, see how the market develops, try to increase your salary (if you finish your training or studies at some point, or simply earn more money that way) and thus also save your money in the medium term.

Then, over time, there will always be setbacks where you can pick up an NVIDIA.
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Dominik@Arminmns
1J
@xzxzx Thanks for the tip!
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Jupp D.@JuppDupp
2J
The first step to investing is to start as early as possible. -> Done. I wouldn't make such a division, but just put everything into an All World. From the age of 16, it's not far until you graduate from high school, so you may have more losses in the short period of time with ETFs. Keep it simple is the keyword. You can diversify later
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Julius@Aktienmeer
2J
I would only invest in the Nasdaq-100. Everything else away.

ThyssenKrupp seems to me to be the really worst choice. It would never make it into my portfolio - it's a downward spiral in the long term.
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Dominik@Arminmns
1J
@Aktienmeer Tyssenkrupp is only in because of the new submarine purchases
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Metis@Metis
2J
6 positions with 50€ and the MSCI least in it? Why, if you have already planned so extensively?
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Luca@CitiBank
2J
Respect! And have fun with your new hobby 🫣
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Alex@AlexG82
1J
I think it's a good strategy as long as you stick to it. The biggest enemy of your own returns is yourself. So stay stubborn and don't keep changing course. Thematic ETFs can quickly backfire, so I would recommend going all-in ACWI. And then sit back and enjoy.
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Investimentos J.@invjp
2J
Just buy iwda! Thats all you need
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Jonas@jonas189
19H
As the MSCI World already contains a lot of US tech, which you already have in the NASDAQ, the FTSE All World ( $VWRL $VWCE distributing or accumulating) might be a better addition to mitigate the US cluster risk.
SIEMENS is a blue-chip individual share that was rather weak last year but in my personal opinion has a rosy future ahead of it. At the moment, it is already too late for NVIDIA to really make any great leaps in development. After soaring so high, the share has remained flat for the past six months, as all the optimism has already been priced in. The share will certainly continue to grow, but probably not significantly more than the NASDAQ-100 itself. Individual industry ETFs are mostly underperformers, the only one I find interesting is $XDWS, if you like consumer staples and can't decide between Procter Gamble, Pepsi, Unilever, Beiersdorf, Coca-Cola, etc. On the one hand, they don't grow as strongly as the NASDAQ-100. On the one hand, they are not growing as fast as the market as a whole, but on the other hand they are crisis-proof and pay decent dividends. Regardless of the ETF, you can consider whether you would like to have a few more percent in your portfolio in the non-cyclical consumer goods sector.
For diversification outside Europe and North America, you should be aware that China in particular is very risky, as the government there can intervene in companies as it sees fit. If you are prepared to take this risk, I would personally prefer to invest directly in highly promising individual stocks such as Xiaomi $1810. A Japan ETF or Itochu $8001 could also be interesting for diversification, as Japan often behaves acyclically to the USA, i.e. when prices fall on Wall Street, Japanese share prices sometimes rise.
All this is just food for thought, obviously nobody really knows what the future holds! 😁
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Alec@Alec987
18H
Very strong to start at 16. That's the most important step ;)
Think about whether you might want to add $BTC, if not just stick to one strategy and stick with it for a few years. Good luck on your way :D
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Dominik@Arminmns
17H
@Alec987 I also wanted to include btc unfortunately my broker does not allow it.
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Alec@Alec987
10H
@Arminmns Which broker are you with?
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Dominik@Arminmns
4H
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Alec@Alec987
3H
@Arminmns I can highly recommend Trade Republic and Scalable capital to you, as you pay much less fees there, as they are both neobrokers and offer savings plans for free :)

And with both you can trade btcs, but not real coins, but certificates
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