Non trouvé

Dominik · 2024-11-05T05:57:30.529522Z

Hallo in die Runde, einige Beiträge von Euch haben mich motiviert auch mal etwas zu teilen. Kurz zu mir: bin 30 Jahre alt, angestellt und habe ein Netto von ca. 3600€ (Anfang 2025 ca. 4000€). Recht frisch Vater, daher bin ich gespannt, wie ich meine Sparziele trotzdem erhalten und ausbauen kann. Ich musste wegen eines Hauskaufes im Jahr 2021 mein damals angespartes Depot mehr oder weniger auflösen, ansonsten wäre ich vermutlich schon etwas weiter. Ich spare derzeit monatlich 415€ über Sparpläne und zusätzlich mache ich auch Einmalkäufe, wenn es gerade finanziell passt. Mein Portfolio ist für meinen Geschmack derzeit noch nicht klar genug. Mein Ziel ist folgende Aufteilung: 60% ETF 20% Einzelaktien 10% Gold 10% P2P Derzeit ist der Uniglobal noch recht stark vertreten. Das ist eine VWL-Altlast, da mein Bankberater mir den damals empfohlen hat. Hab ich bisher nicht geändert, da ich andere Brennpunkte hatte. Das strebe ich aber an. Dort bin ich aber noch nicht im Klaren was genau ich bespare. Mein Ziel für die kommenden Monate und 1-2 Jahre: Den $IWDA deutlich füttern, dass die Anteile sich automatisch neu verteilen. P2P lasse ich liegen. Gold werde ich kaufen, sobald ich die 20k geknackt habe (quasi als Belohnung). Die Einzelaktien, die ich habe lasse ich auch liegen. Tlw. Bespare ich diese auch per Sparplan ($KTN $KO $SHEL und $JNJ ) In 2 Wochen möchte ich gern ca. 1,5k meines Weihnachtsgeldes investieren. Auch hier tendiere ich aktuell zum $IWDA . Insgesamt versuche ich meine Sparquote höher zu legen, muss allerdings auf Grund der neuen Vaterrolle abwarten, wie das möglich ist. Die Mutter ist in Elternzeit und erhält Elterngeld. Was würdet ihr an meinem Portfolio ändern, wenn es eures wäre? Bin dankbar für jeden Hinweis und freue mich auf eure Kommentare. Euer Dominik

Hello everyone,

some of your contributions have motivated me to share something.

Briefly about me: I am 30 years old, employed and have a net income of approx. 3600€ (approx. 4000€ at the beginning of 2025). Quite a new father, so I'm curious to see how I can still maintain and increase my savings goals.

I had to more or less liquidate my savings account in 2021 due to a house purchase, otherwise I would probably already be a bit further ahead.

I'm currently saving €415 a month via savings plans and I also make one-off purchases when it suits me financially.

My portfolio is not yet clear enough for my taste. My goal is the following allocation:

60% ETF

20% individual shares

10% gold

10% P2P

Uniglobal is currently still quite strongly represented. This is a VWL legacy, as my bank advisor recommended it to me at the time. I haven't changed it yet as I had other focal points. But I'm aiming to do that. But I'm not yet sure what exactly I'm saving for.

My goal for the coming months and 1-2 years:

To $IWDA (+0,47 %) to ensure that the shares are redistributed automatically. I will leave P2P. I will buy gold as soon as I have cracked the 20k mark (as a reward, so to speak). I will also leave the individual shares I have. In some cases, I also save these via a savings plan ($KTN (+0,89 %)
$KO (-0,63 %)
$SHEL (+0,11 %) and $JNJ (-3,35 %) )

In 2 weeks I would like to invest about 1.5k of my Christmas money. Here, too, I am currently leaning towards $IWDA (+0,47 %) .

Overall, I'm trying to increase my savings rate, but I'll have to wait and see how this is possible due to my new role as a father. My mother is on parental leave and receives parental allowance.

What would you change in my portfolio if it were yours? I am grateful for any advice and look forward to your comments.

Your Dominik

six@six

2Mo

I think the plan to further expand $IWDA is great. Congratulations on the offspring.

•

Dominik@finanzwolf3

@six thank you 🙏

Bimbam@Klambam

Your basic idea sounds very good! First of all, take your time to build up the ETF as a basis. You can always add selected individual stocks, but I wouldn't buy too many. I've had rather bad experiences with Mintos myself and would personally phase it out. I only leave some money with Bondora G&G. Otherwise go through with it, increase your savings and keep going! :)

@Klambam Thank you!
I haven't had any problems with Mintos so far. I had a bit of money on it a few years ago, which I then gradually withdrew.

So would you rather let mintos expire and put it in $IWDA or would you rather go to Bondora?

••

@Dominik_Finanzen Unfortunately, I still have some money stuck in loans from Turkey / Ukraine and mainly Russia. I don't think I'll see this money again. But if you've had good experiences and it's going well, why not - keep it going. Bondora is "only" 6.75% but has been really reliable so far - also with the payouts. However, you should still be aware of the risk. You really can't go wrong with $IWDA and will probably beat many others :)

@Klambam I just find it really nice. I get my motivation to save every day when the push notification comes with the interest received from the previous day. With Mintos I'm currently at 10-11%.
But of course, low-risk is different... Therefore $IWDA higher weighting that the share of Mintos is steadily decreasing. Maybe I'll reconsider the 10% P2P mentioned in the post...