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MrMister
@MrMister
1Année·

My savings plan:


I have created a savings plan with 500€ per month and would like to share it with you. Gladly with feedback:

All approximate data:


Etfs (44%):

$ANX (-5,65 %) Amundi Nasdaq 100 36%

$XDJP (-3,21 %) Xtrackers Nikkei225 4%

$VUKE (-6,34 %) Vanguard Funds PLC 100 GBP 4%


Equities (56%):

$GLEN (-10,9 %) Glencore 4%

$LIN (-5,56 %) Linde 4%

$DTE (-4,46 %) German Telekom 4%

$STLAM (-4,48 %) Stellantis 4%

$WM (-4,02 %) Waste Management 3%

$PG (-4,13 %) Procter+Gamble 3%

$ALV (-8,43 %) Alliance 2%

$IFX (-8,33 %) Infineon 2%

$BLK Black Rock 2%

$RWE (-6,04 %) RWE 2%

$SHA Schaeffler 2%

$MSFT (-2,36 %) Microsoft 2%

$JPM (-7,37 %) JP Morgan 2%

$MDLZ (-1,08 %) Mondelez 2%

$WMT (-3,92 %) Walmart 2%

$8001 (-3,05 %) Itochu 2%

$BRK.B (-6,3 %) Berkshire Hathaway 2%

$MA (-7,72 %) Mastercard 2%

$V (-6,9 %) Visa 2%

$DIS (-6,12 %) Disney 2%

$SHEL (-7,19 %) Shell 2%

$NOVO B Novo Northdisc 2%

$RHM (-10,98 %) Rheinmetall 2%



The ETFs will remain. If the Tech ETF has a lull, I will switch to S+P500. I will check the stocks once a year.


In addition to the savings plan, I have short-term shares in Tupperware $TUP and medium term in Nvidia $NVDA (-7,25 %) and on my investment list Hillenbrand $HI (-6,67 %) .


I am very happy about feedback.


Thank you community


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29 Commentaires
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Staatsmann@Staatsmann
1Année
Why so complicated?🙈 For what period is the savings phase? What is the goal of the investments? Even in a weaker tech phase, tech is unlikely to do badly in the long run. Therefore: Everything in $IWDA or $VWRL or $VWCE Not so complicated and market return. For the 500€ you make it more complicated for yourself than necessary.
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MrMister@MrMister
1Année
@Staatsmann I simply wanted to save for the current market situations. The Momentum ETFs and Index ETFs I found not so good. Also, I find that the World Etf me too much Germany is included. Meanwhile, I find only certain German companies such as Infineon, Telekom, RWE or Rheinmetall interesting.
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Das Portfoliopferd@Portfoliopferd
1Année
@MrMister 2% Germany is too much??
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MrMister@MrMister
1Année
@Portfoliopferd No. I generally don't like all companies that are based in Germany. The same applies to other countries.
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Ronald@AlterMann
1Année
In principle, I am in favor of individual shares and have savings plans with these myself. But such small values... Rather make ten shares at 50€ each and increase when there are gradually dividends in significant amounts.
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NiMe@NiMe
1Année
Just invest 500€ in the S&P. Or a world ETF.
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MrMister@MrMister
1Année
@NiMe I had also first considered, but some companies come under me there.
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NiMe@NiMe
1Année
@MrMister Don't split it up too much, sweet advice.
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Thomas wiebogen@Tommyleehilfiger
1Année
Sounds really complicated 😅🥲🤷🏻‍♂️ I just put everything (180€ per month savings plan) in the MSCI Wolrd and if I feel like it I buy individual shares and ready 💁‍♂️
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Das Portfoliopferd@Portfoliopferd
1Année
Too many shares mMn. would simply pick out a few, of which I am convinced that they beat the ETF. If something like that is weighted with 2%, it hardly makes sense, then I can just save the etf.
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Golden Boy@randomdude
1Année
On ETFs: I don't think much of regional bets. Why should the UK and Japan do particularly well? It can happen, but it doesn't have to. The NASDAQ100 is a bit different in my opinion, it is so strong that I would not consider it a sector or regional bet. However, it makes me wonder that you write about a changeover during a "lull". That's precisely when you should continue to invest, right? If you switch every time there is a medium-term price decline, that's nothing more than buy high, sell low.
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MrMister@MrMister
1Année
@randomdude I try to drive a diverse strategy. I'm a bit worried about this and didn't want to put my money into a world etf in a standardized way. Nothing of my current strategy is set in stone. I'm also trying to take a lot and learn.
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Timo@Lordraiden91
1Année
Sonnst also consider investing a few % in bitcoin
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MrMister@MrMister
1Année
@Lordraiden91 I was very undecided about this. On the one hand, waiting for a bull run, on the other hand, I wonder if this really comes through the inclusion of the Bitcoin ETFs.
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Lukas M.@Lukas2998
1Année
I can only agree with the others. But especially the idea of switching from the NASDAQ to the S&P 500 when tech is doing worse makes no sense at all. That would mean that you always buy tech stocks when they are particularly expensive and leave them when they are cheap. This way you destroy the probably very good return of the NASDAQ.
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MrMister@MrMister
1Année
@Lukas2998 All right. Then I'll stick with the Nasdaq
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Bullnbear@Bullnbear
1Année
You can do everything this way, but keep in mind that in the future there will also be some transaction costs, which I would not take with the number of ETFs / shares and the savings rate. Here there were already great suggestions that would be more sensible.
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BMWM1@BMWM1
1Année
I'm doing exactly the same thing and currently have over 40 spray plans running at €4.33 p.m. each.
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NEWT@SteelAnacott
1Année
Less is usually more. Positions in which you invest 2% of your monthly savings plan will hardly outweigh the time you spend on performance tracking. I find some of the individual stocks quite exciting, I have some of them myself. Why you have chosen exactly this ETF, you do not write unfortunately, so I can not say anything about it. 🤷‍♂️
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MrMister@MrMister
1Année
@NEWT1 I myself have long thought about a World Etf. But I am bothered by some companies that knock down the overall performance and are actually more suitable for dividends. I find USA, UK and Japan very exciting, because I think they will achieve high growth in the future. Due to my affinity for tech, I decided to go with the Nasdaq100. Most of the individual stocks are stocks with a permanent growth since the beginning and even a few with a growth of about 20% compared to the previous year. I simply wanted to save these separately, since a now is an entry optimal question as currently $KO for the no question represents. Telekom and Infineon I have still invested outside of the savings plan.
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NEWT@SteelAnacott
1Année
@MrMister Okay, at ExtraETF I compared the performance of the three indices with the Ishares MSCI World (ACC) - and I know historical data does not mean that it must develop in the future, but they are the only ones we have. NASDAQ of course outperforms everything but the World clearly beats Japan and GB on a 5 and 10 year view. The performance of the GB index hangs about a third on Shell, AstraZeneca, HSBC, Unilever and BP. That would be too tricky for me to be honest. AstraZeneca has done well on the Corona special situation - whether that will continue, I don't know. With Shell and BP I don't know exactly how they have positioned themselves for the green transition and Unilever and HSBC are typical dividend companies, like Shell and BP - which would not correspond to your approach of not investing in dividend companies but in growth companies. Don't make it so complicated for yourself!
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MrMister@MrMister
1Année
@NEWT1 Thank you for your feedback. I think of GB only in the future in the past, GB has not performed so well, is also vllt because of Brexit. But with increasing investment strategy of GB companies abroad, especially Canada, China and Saudi Arabia, I see a lot of potential. Since I was also torn, however, whether I make an investment in EU Etf or EU countries Etf at all. Also for Japan, the investments are expanded abroad and increasingly Japan is also in the international focus for investments.
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Kevin E.@KevinE
1Année
I think almost all stocks are acceptable - but I don't think that you beat - on average - broad ETFs. Why did you weight some stocks with 4% and others with 2? Do you think Deutsche Telekom is more sustainable than Berkshire (as an example)?
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MrMister@MrMister
1Année
@KevinC Thank you for your feedback. For the current occasion, I definitely think Telekom is a higher growth company for the next 2 years. Telekom is one of few stock companies currently using AI. The whole customer service and IT will be transformed by AI in the near future. Which will cut jobs and boost cash flow.
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Kevin E.@KevinE
1Année
@MrMister Perhaps you can provide an interim status in 2 years (if that is your investment horizon for the individual stocks).
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MrMister@MrMister
1Année
@KevinC gerne.
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Drachen@Drachen
1Année
far, far too complicated
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Jari Stark@MainTyp
1Année
too many positions ....
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Robin S.@NobodyRich
1Année
Diversification is far too weak, significant overweight USA, EM missing, Pacific missing, EU underweight. Japan is missing.
Small and mid caps are missing, possibly bonds according to risk appetite.
A good source for correct portfolios is the rational reminder podcast, or ben felix.
The portfolio is (unfortunately) better than most, but still nonsense.
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