Today I wanted to present my experiences since my first own investments.

To start: I am 39 and my interest in the market began in August 23.

My professional expertise lies particularly in product development and nuclear technology.

I have 2 degrees (engineering with a focus on product development and radiation protection engineer) and 2 apprenticeships as an automotive mechatronics technician and radiation protection specialist. After 7 years of working in product development, I left this profession completely and currently work in radiation protection at various nuclear facilities and power plants worldwide.

Intended for retirement: I had previously invested, 5 years with Targobank, 3 years with DVAG/Generali through unit-linked pension insurance. With the result of -40% of the invested money plus liquidation costs of approx. -30%.

So I started to do some research. Like many others, I initially had hardly any experience in the sector and started by investing a few euros in some no-name companies. At a loss.

I read up and quickly found access to Getquin. I tried back and forth and of course listened to "Trust me, brother". With losses.

Now I've gained enough experience and found the ideal strategy for me: Diversity but not at the expense of performance.

Savings plan: €350 is increased annually.

Investment in companies: €10 each

Blackrock $BLK Banks US

Exxon Mobile $XOM (+0,15 %) Oil US

RWE $RWE (+0,33 %) Supply DE

Realty Income $O (+0,29 %) Real Estate US

Cameco $CCO (+1,38 %) Uranium CA

P+G $PG (+0,14 %) Consumption US

Heidelberg Materials $HEI (-5,5 %) Building Materials DE

Petrobras $PETR3 (+1,01 %) Oil BR

Stellantis $STLAM (+2,82 %) Automotive NL

Siemens $SIE (-5,06 %) Consumer/Energy DE

Johnson & Johnson $JNJ (+0,17 %) Health US

Walmart $WMT (+0,18 %) Retail US

Allianz $ALV (+0,68 %) Insurance DE

Linde $LIN (+0,59 %) Gas/Hydrogen DE

Henkel $HEN (+1,91 %) Consumption DE

SAP $SAP (-2,64 %) Software DE

Infineon $IFX (-2,14 %) Chip manufacturer DE

Visa $V (-0,12 %) Means of payment US

BASF $BAS (+3,8 %) Chemistry DE

Rheinmetall $RHM (-0,54 %) Automotive/armaments DE

Telecommunications $DTE (+5,08 %) Telecommunications DE

ETF: 70€ each

Xtrackers Nasdaq 100 $XNAS (-0,03 %)

Ishares MSCI World IT $WITS (-0,42 %)

US: 56.3% DE: 29.2% NL: 3.7% BR: 3.5% KA: 3.5% JP: 1.2% Rest: 2.6%

Broker: Change from SC to Zero.

Zero display in Getquin I am currently too lazy to enter everything manually.

Strategy: Buy and Hold

I also invest between €2,000 and €6,000 2-3 times a year in addition to my savings plan.

Furthermore, I actively use Solana crypto (partially staked) and reinvest the profits in other shares or increase my holdings.

Why not Bitcoin: In my opinion, Solana has always performed better than Bitcoin to date.

Strategy: Time to market

Investment time: min. 15 years

In the medium term, I will also open a company portfolio and implement the savings plan strategy.

In the long term, it will remain at €1500 crypto. However, the ETF and share holdings will increase.

I look forward to your feedback.

Best regards

Adrian

KevinE@KevinE

2Année

35% crypto - that sounds bold to me, to say the least. If you know what you're doing, there's nothing wrong with that. For me personally, it would be nothing. What I would be interested in: what is your long-term goal and how do you plan to achieve it?

•

MrMister@MrMister

@KevinC In the long term, I would like to get a good mix of performance and dividends. The savings plan is currently running at around 4% dividends. Unfortunately, I can't display this at the moment (zero only works manually and I'm too lazy for that) In the longer term, the amount of €1500 remains in crypto but the holdings in Etf and shares will increase over time.

••

@MrMister I would definitely reconsider the savings plans of €10 per month and share. With Blackrock, it will probably take longer than 5 years to acquire a single share. I think that will quickly become too small-scale. I think I would tend towards savings plans of no less than €50/month, but then just more selected stocks. Or simply consolidated in an ETF.

@KevinC Thank you for your feedback. That was my initial idea too. But the savings plans will increase over the next 2 years. I will gradually increase the savings plan by a factor of 6. This will bring my monthly savings rate to around €2100 in 2025. The decisive factor for me was to get a mix of growth and dividends. Unfortunately, I haven't found an ETF that offers me this service and I've done a lot of research into the companies. Maybe I'll add my professional expertise to the description. Thank you.

@MrMister schau dir mal $GGRP an. :)

@KevinC I have already come across this. According to my investment plan, the performance should be well above that and the div should be around 3-4%. I'm going to do this for a year and then give feedback.

chwinnefeld@chwinnefeld

Moin, if you mean Finanznet Zero, every purchase under 500EUR costs a fee of 1EUR. With 10EUR in the savings plan, that's 10% costs. You can reduce this massively with higher savings rates.

@chwinnefeld Share savings plans cost EUR 0 with Zero. These costs are therefore eliminated.

@MrMister Ah okay! Thanks for the info😊

Nico@Birnenpfluecker

Hi, sounds like a plan, what is your goal?

Utilisateur supprimé

Le commentaire a été supprimé

@locothepoco Thank you Leo. A certain amount of diversity is important to me. But not at any price. So I have looked at companies outside the Nasdaq that meet my expectations/criteria. However, my focus currently remains on the tech, blockchain, AI and nuclear sectors.