1Sem.·

Road to 5k

Enton 🦆 has been with us for a year now and invests €200 a month in ETFs and shares.

In the beginning, he made some typical rookie mistakes - for example, when he switched from Scalable Capital to Trade Republic, he didn't simply transfer everything out and back in again manually. But well, it happens.

His goal is to build up long-term assets so that he has additional financial resources available when he retires.

However, his portfolio is heavily weighted towards the US market, which is why he is now wondering whether his next investment should be in individual shares or a broad-based ETF - and when would be the right time to do so.

He usually invests €50 of his €200 per month in each investment. But sometimes he also puts €100 into the $VWRL (-0,36 %) and the remaining €100 in two other positions of €50 each.

14 Commentaires

1Sem.

Hey,
That's a good question - but of course it always depends on Enton's strategy. If he wants to focus more on the market and try to outperform larger charts like the Stoxx 600 with EU stocks, for example, then he should of course invest in individual stocks.

However, if you don't always want to check charts, search through analyses or deal specifically with companies, you should invest in a more broadly diversified ETF. This allows them to benefit from areas such as the emerging markets or Europe without having to spend a lot of time on individual analyses.

Of course, the risk also decreases somewhat with an ETF - the reason for this is the diversification in the ETF itself. But if you analyze stocks properly and hold them for a long time, you shouldn't have any problems with this either (although time for analysis is very important before investing 😎).

Hope this helps Enton! 🦆

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Enton@Entn

1Sem.

@batic420 Enton 🦆 thanks for the warm words. Enton is considering whether to add individual shares of e.g. $7203, $HYUNDAI, $1211 etc. as a single share, or whether he would rather invest in an Asian-oriented ETF, but he has not yet found one.

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Teo@teoo

1Sem.

Enton doing good job 👍

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user5ca946a11b6a4278@user5ca946a11b6a4278

1Sem.

With all due respect, who is switching from scalable to TR? Why?

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Aktienmasseur@Aktienmasseur

1Sem.

@user5ca946a11b6a4278 scalable is no better. You can't buy fractions and it feels like the settlement account must always be full for savings plans to be executed reliably.

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Eggplant@Eggplant

1Sem.

@Aktienmasseur I think he means they don't give each other anything, especially for people who run savings plans.

Your argument about the settlement account seems to me to be the wrong way round. TR expects a full clearing account, otherwise the savings plan will not be executed.
Scalable simply debits the reference account if there is a shortfall.

Depending on the situation, one or the other is desirable. Whereby SC's approach is rather unexpected for me.

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Enton@Entn

1Sem.

@user5ca946a11b6a4278 scalable took a super long time with Baader Bank before they paid the money in or out. Enton 🦆 doesn't have the same problems with TR.

TR also has a much wider range of ETFs and shares. And it all works much faster.

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Eggplant@Eggplant

1Sem.

@Entn Thank you for your explanation.

I can't see much difference between the two myself. But if it's better for you, then the switch was just right.

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Schweizer_Investor@Alumdria

1Sem.

I would never rely on one market anyway. With a world ETF like $VWRL you're certainly not doing anything wrong. It's also very US-centric, but that's where most of the big players come from. Otherwise, the Chinese market might still be interesting, even if the Chinese government is interfering too much in the market. Just a healthy mix of the USA, Europe and Asia😄

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Enton@Entn

1Sem.

@Alumdria Enton 🦆 also has the Chinese market in mind, or rather the Asian sector, especially BYD, Xiaomi, Hyundai are good players and absolutely reliable like Toyota. (As an example) The only question is which ETF would be the right one.

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Schweizer_Investor@Alumdria

1Sem.

@Entn So would you invest in an Asian or Chinese ETF? Or would you invest in individual stocks?

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Enton@Entn

1Sem.

@Alumdria Enton would prefer an ETF.

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Schweizer_Investor@Alumdria

1Sem.

@Entn good decision. You'll have better diversification 😄

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Dirk@d031692

1Sem.

The stock market is a marathon! At the beginning you pay the price for greed, then modesty and your own principles are the trump cards. At least that's how it was for me.

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