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Daniel
@Bidax
3Sem.·

small performance

Hello dear community,


Christmas Eve is over and I thought I'd use the time to introduce myself. My name is Daniel, 45 years old, proud father of two grown-up daughters and I'm now also a member.


I burned a lot of money in the 90s with biotech shares on the "Neuer Markt". I think it was Quiagen. No matter. Back then, it wasn't as easy as it is today to get a comprehensive overview of the markets. I was cured for a long time and kept my hands off it. Looking back, not so clever 😩


With regard to my pension, I was actually not completely inactive and will probably have around 5K (per month) before taxes and contributions at 67. In addition, there are payments and shares from Riester, LV, industry pension and separate pension. That should be enough, as I'm actually a frugal person.


In addition, I'm venturing back onto the trading floor with shares and the like.


Now let's move on to my goals in the stock market world.


I want to create as much of a cushion as possible so that I can simply do what I want. Renovate a property, possibly sell it, go traveling, build a new home - anything is possible. And if I do end up giving up early, I want to provide my children with the best possible financial security.


To achieve this, I have structured my portfolio as follows.

35% shares

65% ETFs ETCs and funds


When it comes to shares, I have to admit that I am influenced by current trends and preferences for one brand or another. $AAPL (-4,05 %) , $AMZN (-1,04 %) etc., have tempted me. However, I quickly realized that I'm not the type for individual stocks. I'm keeping an eye on the shares, but I won't be expanding this part of my portfolio any further and will invest in ETFs again in due course.


In future, the focus will be on ETFs and ETCs, such as gold. $XGDU (+0,41 %) gold.


My ETFs are roughly divided up as follows.


- Technology

- industry

- Armaments and defense

- gold

- Raw materials


These are mainly dividend-paying ETFs. I plan to keep reinvesting the dividends via the annual exemption order, in our case EUR 2,000, but save as much tax as possible.


Crypto is a closed book for me. I'm not cut out for this kind of thing. I just don't understand the principle. And somehow too late.


I probably should have invested 100 euros in $BTC (+0,96 %) if I had known about it. Then I probably wouldn't have to worry about it today.


In addition to my initial investment, I would like to use the monthly savings installment of 500 euros with an annual growth rate of 3% for the next 20 years to perhaps take a bath in my bathtub like Scrooge McDuck. It probably won't be enough for the money bin, but what the heck.


My basis is the UniDynamicFonds: Global -net- A ($LU0096426845 C ). Yes, I know it's a fund with a relatively high TR. It's a relic from days gone by. However, it has not done badly over the last five years. I will convert this main position into an ETF in due course and steadily build it up. The second fund will then also be transferred to ETFs. Here are the $XAIX (-0,44 %) and the $XUTC (-0,75 %) are ready.


But I will come back to you with a separate question.


My current larger positions are

- UniDynamicFonds: Global net A $LU0096426845

- UniSector: HighTech A $LU0101441672

- VanEck Defense ETF A $DFEN (+1,31 %)

- VanEck Semiconductor ETF A $IE00BMC38736 (+0,53 %)

- IE Physical Gold ETC Securities $XGDU (+0,41 %)

- VanEck Ms Developed Markets Div Lead ETF $TDIV (-0,42 %)

- SPDR MSCI ACWI IMI ETF $SPSA (-0,08 %)


The rest is somewhat broadly diversified. I find Health very interesting, but here I have chosen two individual stocks $$NOVO B (-0,15 %) & $DXCM (+5,68 %) "and I'm still looking for the right ETF. Here I have the $XUHC (+0,17 %) for the time being.


In the near future I will be looking at Japan $UIM5 (-0,6 %) Nordic countries $XDN0 (+0,55 %) Europe $V3EL (+0,98 %) and also Germany $VGER (+0,01 %) further. I also see long-term potential here and I am creating some distance from my very US and technology-heavy investment stocks.


Roughly speaking, my portfolio should have a large all-world ETF and everything else around it - in keeping with the current times - is the Christmas bauble around the tree.


I look forward to any feedback.


Have a nice holiday season


Best regards

Daniel


____

Thanks to @DonkeyInvestor for the guide 🤪

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19 Commentaires
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Smudo@Smudeo
3Sem.
Welcome back to the stock market.
You have the absence so: In addition to gains, you could have made further losses.
Your head was free for your family for the last few decades and you had a good time.
Good luck on the stock market now and thumbs up
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Ph1l1pp@Ph1l1pp
3Sem.
It's never too late for Bitcoin - see the articles by @stefan_21
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Stefan21@stefan_21
3Sem.
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Ph1l1pp@Ph1l1pp
3Sem.
@stefan_21 Florian is always top
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Daniel@Bidax
3Sem.
@Ph1l1pp I'm glad you've actually read it. I'm going to check it out. Let's see if I dare to do it. But many people are saying that there will be another drop here - 70k. Knowing me, I'll get in exactly one day before that 😂
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Ph1l1pp@Ph1l1pp
3Sem.
@Bidax And precisely because many people are talking about 70k, it will never happen 😁 Moreover, bitcoin only goes in one direction in the long term, whether you start at 70k or 90k 🤷🏻‍♂️
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Nostradonkey💩@DonkeyInvestor
3Sem.
Thanks for the introduction. With 5k safe at 67 I think I would go part time now and enjoy life.

Things that no longer fit in with your strategy, I would (almost) immediately reallocate. See #fehlkauf.

Your strategy still seems quite opaque to me. Do you have a clear strategy?
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Daniel@Bidax
3Sem.
@DonkeyInvestor I will clarify this again in an edit
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Daniel@Bidax
3Sem.
@DonkeyInvestor #mispurchase read. I understand and scenario 1 in particular applies to me. Now comes my BUT. Too much back and forth empties the bag. Unfortunately that's true for me. My securities account is (still) with a VR Bank. Every sale costs a lot of money, which is unfortunately already reflected in my trading costs. I sometimes have duplications in terms of ETFs and funds, which are deliberate because I no longer save for the funds but for the ETFs instead. When the custody account is transferred and the trading costs are lower as a result, I will certainly part with one or the other.

I often sit in front of the computer for hours and rack my brains as to what is the RIGHT thing to do. I've been at it far too short a time to really see that it was a bad buy. I have to and want to take away my nervousness and simply use the coming year to observe the development. In the course of that I can then reallocate. Who knows, maybe tech, defense and big data won't work anymore and I'll have to switch to health.
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Nostradonkey💩@DonkeyInvestor
3Sem.
@Bidax sounds understandable. But the great thing is that you don't have to turn it into a science and reinvent the wheel. So many people have already thought about it and tried out which strategies work and which don't. It's best to look at different strategies and then stick to one that suits you and your goals. See also: https://app.getquin.com/activity/VAKRkmXgSS
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Mister_ultra@Mister_ultra
2Sem.
Very nice! Thank you for your introduction!

I have my problems with your armor ETF $DFEN though. The main reason is what is defined as armor here. For me, this is the prime example of: "Wash me, but don't get me wet".

VanEck probably wants to have an armor ETF in the portfolio, but still doesn't want to take up the controversial topic too much.

There is not a single real defense company in the ETF, such as Lockheed Martin, Northrop Grumman, General Dynamics, Rheinmetall, BAE or RTX.

If you look at the top 4 positions in the ETF:
- Palantir, a software company
- Leidos, software
- Booz Allen, a consulting firm for the Pentagon, among others
- Curtiss-Wright, manufacture components for the aviation industry

That's all well and good, but it doesn't give you the kind of portfolio you might expect.

Take a look at the Global X Defense Tech ETF. That's where you really get armor. https://extraetf.com/de/etf-profile/IE000JCW3DZ3?tab=components
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Daniel@Bidax
2Sem.
@Mister_ultra I also had my eye on $ASWC; like Global X, it has a good defense portfolio. It tends to invest in Europe. As I believe that Europe has to catch up significantly here, it was my first choice, but fell victim to greed. But you're right, the Global x is better. What do you think about $ASWC?
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Daniel@Bidax
2Sem.
@Mister_ultra I have just compared the two in Excel. The HanEtf is very similar to the Global X.

Shares (ex USA)
Global X 31,73%
HanEtf 38.19%

Global X also has a relatively high allocation to Palantir, 10.35%. On the other hand, real defense stocks are valued somewhat higher, but the tendency here is more US and less EU.
I don't know how I can show the comparison here.
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Mister_ultra@Mister_ultra
2Sem.
@Bidax I absolutely agree with you about Europe, we really have a lot of catching up to do and Trump will certainly make sure of that.

However, I believe that in the end the Americans will also benefit there. After all, Lockheed Martin and co. are the biggest arms manufacturers and Europe will certainly (have to) buy from them.

I have just had a look. In the top 10 global arms companies, there are 3 from China and 1 from Russia, which we will definitely not be buying from. The remaining 6 are all US companies with the exception of BAE Systems (UK).

That's why I'm still backing Lockheed and Northrop as the world's number 1 and 3.

I find the HanETF slightly better, as it contains real defense companies, but also a lot of tech / software (cybersecurity). For me, this would be too much of a mix of industry and software, but I am also too precise in some areas and therefore prefer to invest directly in individual stocks. I would never find the right ETF :D Except for an MSCI World!
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Sascha Lamber@ScreamFD
1Sem.
Hey welcome back on the road to financial freedom. Very nice introduction, thanks for that. Why do you have so many special ETFs in your MSCI World ETF? Some of these companies are also included, just with a different weighting. It's best to take a look at the individual factsheets at JustETF. Would be too many ETFs for me personally. LG Sascha
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Daniel@Bidax
1Sem.
@ScreamFD Hello Sascha, I am actually in the process of "rebuilding". I'm getting rid of my individual shares and reorganizing the whole thing again. At the time, it made a lot of sense to me. The amount and the reactions to it have made me think again. Thank you for your comment and your thoughts on this. I wish you a happy new year. 😊
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Sascha Lamber@ScreamFD
1Sem.
@Bidax I wish you the same Daniel.
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Joschi 💎🦍@ETF_Jesus
1Sem.
For gold, take a look at $EWG2. 0% TER and tax-free after 1 year of holding as far as I know. Don't take it for granted, but that's what I know
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Joschi 💎🦍@ETF_Jesus
1Sem.
@ETF_Jesus and I would not completely neglect btc
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