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Laro
@Laro
1J·

Portfolio presentation

Hi Dear GQ Community,


Today I wanted to share my portfolio with you and see what you think or say about it. You are welcome to make suggestions for improvement. 😃


First of all about me, I am 31 years old, father of 2 children and only work as a service technician 👷‍♂️unterwegs which is why I currently have no more than 100€ - 130€ per month available to invest. I always thought with your high sums that I would not divide my portfolio because it is so small. But today I'm just going to do it 😅.


I've only been investing since the end of May 2025. I'm looking for dividends that are partly reinvested and partly paid out. But I want to save for old age in the long term to possibly supplement my pension 🧓later on. 💰💸


Now to the portfolio. I don't currently have a plan for how much of my budget is going where. I'll look at it for a month and then decide who has performed best 📈 and who has performed less 📉.


I currently have:


ETF savings plans:


Individual shares:



Crypto:



The savings plans are saved every month and the individual shares are saved more or less depending on the month. Because $BTC (-0,66 %) to be honest, I'm in it just for fun. I'd like to see where the journey takes me.


As I said, I'll decide exactly how it will be divided up next month when I see who has performed best by then. And then it will be adjusted monthly.


At the moment my portfolio is only in the red with the order fees from Trade Republic, if these weren't there I would already be slightly in the black. But I am investing for the long term and am not out for day trading.


Now I'm curious to hear what you have to say, and please don't completely tear me apart 😅.

10Positions
5,04 %
38
49 Commentaires
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Tenbagger2024@Tenbagger2024
1J
Hello my dear,
I think it's great that you are a service technician. And you should definitely delete the "only". And father of 2 children is just as great. You can be extremely proud that you still manage to invest 😘.
I would pay more attention to diversification in the individual stocks in your portfolio. Coca Cola and Pepsi together is not necessary. You can already see today where that can lead. Otherwise, I would perhaps expand Europe. And don't make the positions too small
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Laro@Laro
1J
@Tenbagger2024 Thank you very much for the huge praise 😊.

I thought that Coca Cola and Pepsi are both strong companies that won't go bankrupt any time soon. Especially not Coca Cola and Pepsi because they pay slightly higher dividends 😊.

And since my poll from yesterday was relatively similar, I couldn't decide 😅.

But thanks for your feedback, I'll see what else I can expand in Europe. Do you have any insider tips 😅 that I can take a look at 😅?
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Snopy@Snopy
1J
@Laro You shouldn't choose companies because they won't go bankrupt any time soon. That's the wrong approach.

I would primarily go with small investments in etfs and not individual stocks.
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Laro@Laro
1J
@Snopy I know 😊 was just the first thing that came into my head when I wrote it 😅. It was a stupid formulation.

But mainly I took both because they both have quite a big moat due to their strong brand. And I believe that both will continue to have good cash flow in the future.

I had already informed myself about both before I invested.

But I know what you mean 😊 thank you for that 😊.
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Tenbagger2024@Tenbagger2024
1J
@Laro
You're welcome, and I admire how you manage it.
As the previous speakers have already written, it makes sense to concentrate on ETFs.
Because small positions in individual stocks don't make quite as much sense.
But if you still want to take individual stocks, I would put satellites in your portfolio. In the form of small and mid caps, because you have large caps in the ETFs.
Here you can determine your own risk. Because even among the small and mid caps there are some good quality companies in the form of long-term runners.
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Laro@Laro
1J
@Tenbagger2024 Thanks for the tips. I had already thought about small or mid caps, but I'm always a bit unsure.
I'll have to delve a little deeper into that first. I had already thought about Frosta, it was in the survey yesterday, I think it counts as a mid cap 😅. But I'll have a look around. I've already exceeded my budget for this month, if not next month at the earliest 😅.
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Tenbagger2024@Tenbagger2024
1J
@Laro
Feel free to get in touch if I can help.
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Laro@Laro
1J
@Tenbagger2024 Sure, especially at the beginning you always need a little help 😊
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Tenbagger2024@Tenbagger2024
1J
@Tenbagger2024
You can also take a look at the m and s dax.
In the Russell 3000 you will find smaller US companies
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Laro@Laro
1J
@Tenbagger2024 I think that I am already quite US funny. If so, I would have a look at the M and S Dax. Let's see what is represented there. Thanks for the tip 😊👍
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Tenbagger2024@Tenbagger2024
1J
@Laro
Here is a portal where shares are rated according to quality, growth and robustness.
Enter the company at the top. And select at the button.
Badger Meter, for example, would be a long runner

https://aktie.traderfox.com/visualizations/US0565251081/DI/badger-meter-inc
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Voir toutes les 8 autres réponses
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Echsenkönig Atokarn@Bezehgombjuderstimme
1J
First of all, congratulations on getting started. You're already on the right track. With the savings rate, that would be too many positions for me. Personally, I would prefer to follow a simple ETF strategy and maybe move into equities later on with a bit of experience. Especially if you invest small sums of money, order fees have a big impact. I don't know how high they are at TR, but maybe you'll do better overall with fewer trades 🙏🏻
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Laro@Laro
1J
@Bezehgombjuderstimme Thank you 😊. The order fees amount to 1€/order. Fortunately, savings plans are free of charge.
That's why the majority actually goes into ETF savings plans. Well this month it's still a bit far away, I first had to organize myself and see how much I invest in what.

Next month I'll be careful and make sure I save on order fees.
Of course I could also do the individual shares as a savings plan, but right now at the beginning I don't want to do that yet. I first want to see who delivers the best results in a month and even after that I'll see whether I want it in the long term or not. Savings plans are just there, you HAVE to pay if you buy them yourself, you decide how much :). And that's what it's all about for me because I can't invest the same amount every month. You can't forget about life 😊.
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Echsenkönig Atokarn@Bezehgombjuderstimme
1J
@Laro Ok, well then you can control that a bit. However, I wouldn't really look at the monthly performance of ETFs. It's a marathon and you still have almost 40 years until you retire. Whether one ETF made 1 or 3% last month is not so important. One tweet from Trump and the guy shaves off 6 or more months if you're unlucky. Regarding your savings rate, I would go through all your finances. Get rid of unnecessary subscriptions and check every insurance policy. I've easily saved €700 this year alone. And then set yourself a budget for everything and get your wife and children on board. If everyone is on board, the savings installment goes off on the first of the month and you're safe. Before you make any big investments, I would advise you to set aside a nest egg for all eventualities anyway.
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Laro@Laro
1J
@Bezehgombjuderstimme No, the ETFs will remain as they are. I just mean the individual stocks that I look at how they perform. The ETFs will continue to be saved in this way for the next few years, if the financial situation allows it, a little more but not less 😊.

And insurance etc. we already only have the minimum we need 😅, car insurance, liability and household contents. So there's not much left to save. And at the moment I feel quite comfortable with 100 to 130 euros a month. I've also discussed this with my wife.

She was skeptical at first because this image came into her head: "This evil stock exchange is stealing my money", but she was able to dissuade her. That this can only happen if you act too hastily and let your feelings guide you. 😊
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Echsenkönig Atokarn@Bezehgombjuderstimme
1J
@Laro OK clean, then I'll keep my fingers crossed for the future 👍🏻
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Laro@Laro
1J
@Bezehgombjuderstimme thank you I wish you the same 👍
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Mirko@Kieler_Jung
1J
You make more than most Germans in our society, so keep investing 😊 With a lot of patience, you'll still end up with a nice little sum 💪🏼 Continue to have fun investing 😎
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Laro@Laro
1J
@Kieler_Jung dabke you 😊. My favorite quote from Warren Buffet is the following:

"The stock market is an instrument for redistributing money - from the impatient to the patient."

And he's not wrong about that. Those who are patient will be rewarded at some point 😊.
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daddyinvestiert@daddyinvestiert
1J
Hi, good that you are investing after all! But I have to agree with the others: too many positions with the savings rate. If I were you, I would invest 75% in $VWRL and 25% in $BTC and you're done. That way you have everything covered. Create a savings plan and look back in 15 years && be happy. Keep it simple - enjoy the time with your family instead!
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Laro@Laro
1J
@daddyinvestiert As I wrote, $BTC is more just for fun. The ETFs are for the stability in the portfolio, which is not quite so volatile, and to save there without risk. I thought the individual stocks were more for the dividends, so that something can still come in there. Of course, the positions are currently quite small, but who knows what the future holds 😊.
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Laro@Laro
1J
@daddyinvestiert And I'll definitely take the time with my family. I'm running everything for the long term and not just to keep looking in and find the "perfect" point to sell 😊.
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daddyinvestiert@daddyinvestiert
1J
@Laro but why make it unnecessarily complicated for such sums? Leave out btc for all I care and put it all in $VWRL $VWCE or whatever. They cover the whole world and one of them pays dividends. And very few beat the etf in terms of performance, so why all the complications?
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Laro@Laro
1J
@daddyinvestiert How complicated do you mean? I'm going to look at it for a month and then decide what percentage of my budget should go where. Where is it worth investing more and where is it worth investing less. Hope you understand what I mean 😊.

After that, I just let everything run its course. 😊
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daddyinvestiert@daddyinvestiert
1J
@Laro it doesn't matter, you want to go your own way then do it :) have fun and good returns 💰
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💁‍♀️@_aaaa_
1J
I haven't read the whole text, but I have seen the figures. The savings rate is very low. Take the following two actions: Save only one ETF and try to increase the savings rate 🧝‍♀️
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Calvin@QuackCapital
1J
It's great that you've started investing! Especially at the beginning, it can be tempting to want to pursue an overly complex strategy - at least that was the case for me. So take your time and don't feel compelled to do everything at once.

Otherwise, I wish you every success with your investments - you definitely have the right motivation!

And there are excellent experts here for any questions you might have. So don't be afraid to ask for support.
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Laro@Laro
1J
@QuackCapital Thank you 😊. Yes, I have already noticed that there are many experts here. 😊

I'm already looking forward to a lively exchange 😊.
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Peter G.@_Peter_Griffin_
1J
Proud of you! My advise if I need to give some. Less smaller positions and make the bags a big bigger in the ETFS!

Keep it going champ
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user5ca946a11b6a4278@user5ca946a11b6a4278
1J
Make Bitcoin your only position. Just my opinion. Then it will also work with the performance 🫠
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Laro@Laro
1J
@user5ca946a11b6a4278 to be honest $BTC is too volatile and mmn too speculative for me. As I said, I only have it in there just for fun. I don't know much about crypto either. I just want to see what happens. It's kind of my "fun factor" 😅
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Rendite Rudin@RenditeRudin
1J
Good luck with your Investmentanfang👍🏼 Stay tuned, there will be many more crises and many more things will happen! Just stay cool, don't get fomo and keep your feet still and learn, learn, learn
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Laro@Laro
1J
@RenditeRudin Yes, I have made that my motto, no matter how bad it looks, patience is rewarded.

Besides, even if the figures are in the red, it's only the book value, I only lose if I sell when the figures are red.

Even if it still triggers me when the figures are calm. But then I think of my favorite quote from Warren Buffett:

"The stock market is an instrument for redistributing money - from the impatient to the patient."

That usually brings me back down and I regain my focus. 😊
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Rendite Rudin@RenditeRudin
1J
@Laro Very good Mindset👍🏼
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asset_whisperer_1906@asset_whisperer_1906
1J
In my opinion you are heavy overweighted in single stock, is a non necessary risk that you are taking sir
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Master S.@MasterScion
1J
You seem to take a risk with bit coin but not with single stocks. I advise you to just look at some good American companies trading at low pe and peg ratios with low debit to equity.
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Mario@Raabelix
15H
Evening! Great that you are sharing this. In your situation, I would definitely not bet on dividend stocks!!! Companies that pay out high dividends are usually at the end of their innovation and growth phase and pay out the money because they cannot (or are not allowed to) reinvest it more profitably themselves.

If you have little capital and don't need it in the short term, you have to take more risk in order to make a return. I would recommend an ETF mix (not individual stocks) in growth sectors such as AI, big data, cloud (currently cheap), new health, etc. You will almost certainly get the highest return over 10 years. And add 10-20% Bitcoin, the train keeps moving. For a little more stability, perhaps add Berkshire Hathaway, which also beats the S&P500 in the long term.

When you reach one million at some point, you can slowly shift into dividend ETFs and enjoy a nice passive income 😉
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Laro@Laro
12H
@Raabelix Thank you very much for your comment and your suggestions.

I'll have a look and think about it. I had even considered Berkshire Hathaway 😅.

It would be nice if I could reach the million, but I don't really believe I can achieve that. At least not with the "small" (in quotation marks because for me it's a lot for others 😅) budget.

But the strategy you suggest definitely sounds plausible and logical to me.
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Mario@Raabelix
7H
@Laro This gives you a reasonable basis for making your money work for you. You work hard for it, so it should do the same for you. Sometimes you receive one-off payments such as bonuses or an inheritance. You should then simply add this to your future return turbo.
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Laro@Laro
7H
@Raabelix I'll see how I do it.

You're probably right that I work hard for my money and that it can do the same for me.

Maybe you can get a hybrid solution of dividends and what you said. I'd have to take a look, but I'm still at the beginning and have to see how I proceed. Nothing is lost yet 😊.
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Jupp D.@JuppDupp
3H
With your time horizon and current savings rate, I would only go to $SPYI, no dividend and EM ETFs. No individual shares anyway. If it "has" to be individual shares, then perhaps collect whatever small change you have left until you have an amount of €500-800 and then open positions in tranches when the price is good
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