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Florian W.
@Flow_einert
2Année·

Hello all,


I'm pretty new here on getquin and would like to introduce myself and maybe have a little assessment on my plan.

My name is Florian and I am 41 years old, married with 2 kids. Until recently I had relatively little to do with shares. But that should change now :)


My goal is to build a portfolio as a dividend strategy. Investment horizon is 15 years and longer

I thought I'd explain my plan in advance, or which stocks I want to take up and do not do it as is often done here, first buy and then perform a portfolio check. This may save me one or the other FEhler.

I would like to let everything run first over nen savings plan and invest if necessary in individual shares after. This usually frees up some cash in the fall of the year, since I receive my bonus here.


A savings plan on the $VWCE (+0,26 %) over 350€ starts in January. I deliberately chose the accumulating one for now, as I figured the compound interest effect is better than the bit of dividend at the beginning. When a certain amount is reached, the plan would be to switch it to the distributing one. Does that make sense?


Furthermore, I would split another 250€ into savings plans on individual stocks. Here, however, I am not sure how many there should be.

The following is my selection, in which I have tried to diversify relatively reasonably. I am not sure if I succeeded. I have also read up a bit about each company, but it should be deepened

$ASML (+1,71 %)
$MPW (+0,05 %)
$O (-1,48 %)
$BATS (-0,26 %)
$PEP (+0,48 %)
$BAYN (-2,73 %)
$VOW (-0,52 %)
$BLK
$RIO (-0,57 %)
$MCD (+0,01 %)
$BRK.B (-2,13 %)
$MSFT (+2,89 %)

Does it make sense to save so many positions (will then be a relatively small amount per company), or does it make sense to reduce it again?


In my portfolio there are already 3 Rio Tinto and one Mc Donalds share.


So I think that was it for now. If something is still missing, just ask.


Many thanks in advance for your help


Kind regards

Flo

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17 Commentaires
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Bass-T@BASS-T
2Année
What you want to build up is very much in my direction and is called "core-satellite strategy". The core is usually a broad ETF (industrialized countries or all-world) followed by individual stocks as satellites. Among other things, it is important that you understand something about stock analysis from the point of view of value. Just mindlessly buying well-known companies is Russian roulette and does not end well. What does that mean for you? I would first study the literature, read articles from @GoDividend, @Der_Dividenden_Monteur or also @Simpson and get a basic understanding of the investor currents. That is a lot of work. But no work, no pay, no investment advice.
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Florian W.@Flow_einert
2Année
@BASS-T Thank you for your answer. I would never just invest blindly. I don't make blind decisions in my company either. It can end badly. The first books are already at home. Quasi work for the holidays 😂
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Bass-T@BASS-T
2Année
@Flow_einert Have fun with it😁 no investment advice
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Florian W.@Flow_einert
2Année
@BASS-T Do you have any book recommendations for me?
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Bass-T@BASS-T
2Année
@Flow_einert

For a start:

- Rich Dad, Poor Dad by Kiyosaki
- Financial flow book by Thomas Kehl
- Getquin contributions from the people mentioned above plus @DonkeyInvestor and @TheAccountant89 on the basics

After that:

- The Intelligent Investor by Benjamin Graham
- One step ahead of the stock market by Peter Lynch
- Lecture slides from the accounting department of any university

If you prefer it as a video:

- my YT Channel Bass T Finance
- Khan Academy with a focus on accounting
- Maximilian Gamperling
- The Swedish Investor

No investment advice
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Christoph@ChrisBizz
2Année
To start with, I would only invest in the All World (but if necessary as a distributor) until a decent base is reached (I would say ~10,000 EUR). Only then, and after the reading suggested by the users, invest additionally in individual stocks. If possible in shares that are not included in the top 10 positions of the All World. PS: Here you can see a nice example of how wonderful it runs (can run) here at getquin: Proper introduction of the topic starter with sufficient information about the project. Then consistently useful, serious, understandable and above all not instructive comments from the users here, where you get even when reading along again and again inspiration and can learn a lot. At this point a thank you to all who make it possible here 👍
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Florian W.@Flow_einert
2Année
@ChrisBizz Thank you for your opinion.

I also have to thank you in general. It was all in a great tone here with lots of useful tips and arguments 🙏
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Zoro@RoronoaZoro
2Année
Hello Flo,

First of all, welcome and congratulations on your decision ;)

I think the idea with the All-World is a very good one to start with, but personally I would only switch when you need the dividends, before that I would let the money "work" in the accumulator :)

I don't want to rate the individual stocks, but I would advise you to first familiarize yourself with the stocks so that you can live with them and only then put money into them, the other way round only makes limited sense in my opinion :)
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Florian W.@Flow_einert
2Année
@RoronoaZoro Thank you for your answer. I am aware of the individual stocks. I have already dealt with each of the companies, but not yet in full depth. That will take a few more days. I also tried to create a nice mix of Eu and Us. Also a mix of high dividends and "classics". I'm just not sure whether there aren't too many for individual savings plans.
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Zoro@RoronoaZoro
2Année
@Flow_einert Well, I think there are many different opinions on that. I am of the opinion that any amount is a good amount as long as you see it as being properly invested for yourself. That's why I don't think €20 is a bad choice, as long as it's really long-term, if you can see that you'll beat the market with it for yourself and your portfolio :)
That would be my opinion :)
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Enrique@Dividenden_Monteur
2Année
Ei Gude

I would first save the distributer, up to the limit of the 1000 euro allowance.

In general, I tend to favor the distribution option, as I don't want to sell shares when I get older, for the purpose of inheriting a custody account or a possible bear market like this year, etc...

Your selected individual stocks are simply the standard stocks and there's nothing wrong with them for the time being.
@BASS-T has published detailed analyses of a few of your stocks here, I would read through them.

If you feel comfortable with your current selection, I would just get started and see how things look in 6 months and draw a first conclusion.

Oh well:
Be careful, the donkey sometimes bites
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Florian W.@Flow_einert
2Année
@Der_Dividenden_Monteur Thank you. Yes, I realize that these are not exotic companies, that wouldn't be my style either. Although I had never heard of some of the companies until a few weeks/months ago 😂
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Enrique@Dividenden_Monteur
2Année
@Flow_einert wait and see what kind of companies you know after a few months getquin😁
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Bass-T@BASS-T
2Année
@Der_Dividenden_Monteur Thank you very much🙂
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Uwe G@UweG
2Année
Hello Florian,
Savings plan on the Vanguard is very good. Switching from an accumulator to a distributor is rather unusual, as distributors are usually chosen first - until the saver's allowance is reached. The tax saved should "beat" the compound interest. I think it is questionable whether it is worth investing in the individual shares, as they should all be included in Vanguard. With the 11 individual shares, your portfolio will need "maintenance". Investing €600 in the Vanguard could mean "close your eyes for 15 years and then look at your portfolio".
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Pascal@pascals
2Année
@UweG In addition, by consistently reinvesting dividends by increasing your savings plan, you also benefit from the compound interest effect as long as you do not exceed the savings allowance.
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Florian W.@Flow_einert
2Année
@UweG You're right, of course. I'll have to take another look at the shaker later.
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