Investing as a student

Hello Community,

I'm writing my first post as an otherwise silent reader, a kind of portfolio check/feedback on the occasion of my first 5000€ in the portfolio, which is already a relatively large sum for me, even if others have this as a savings plan installment.

First of all, about me. I'm 20 years old and have been a student for a year. I work part-time and still live at home.

So my fixed costs are rather low.

About the portfolio

My investment strategy is basically buy & hold from the $VWRL (+1,2%) (Dist) (currently a €50 savings plan for the TR card benefits, mostly individual purchases), although I also risk a little money from time to time for a quick profit. So far with $BTC (+0,85%) +20% and $NVDA (+0,31%) (currently +26%, not realized) quite well. There was also a small mistake, $GME (+1,33%) I sold too early, but was able to sleep peacefully.

Short-term goals

I need to build up my nest egg of €1000 again. I went on vacation with friends for a month, which cost €3,000, so the nest egg was used up. You shouldn't, but it was worth it to me.

I also don't yet know how to deal with my $NVDA (+0,31%) position and the $CSPX (+1,36%) should deal with. Take a profit on NVIDIA? Switch the S&P500 into the All-World?

Long-term goals

Expand dividends/ performance. Is a high dividend ETF worthwhile? Often seen as a yield killer. I am quite comfortable with a 1 ETF portfolio.

Other positions

$O (+0,9%) I have in the portfolio for the monthly dividend, currently €2 per month. With 1€ order fees, two orders per month are therefore "free of charge".

$MSFT (-0,83%) Was given to me as a gift by TR as my first share. Remains in the portfolio due to its emotional value and belief in the company.

$NVDA (+0,31%) Bought during the crash, punter position.

+-600€ income per month

+-120€ spending per month

Fall 2025 will buy a PS5 (PS5 Pro when released, expect 700€) for GTA6, otherwise no big planned expenses. After restoring the nest egg, monthly savings will be made on this.

Questions and suggestions very welcome!

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Ben@ben_n

@Mayra97 Thank you for your answer! I am studying law/legal sciences in my second semester, so I still have some time ahead of me. Yes, small positions like Allianz have to be taken out of the portfolio.
Thanks for the ETF suggestions, I'll have a look at them!

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MC@Tokugawa

@Mayra97 Why not dividend stocks? I have a completely different opinion. From an overall return perspective, I agree with you, although there are also studies that show that distributors perform well compared to the market. But as a motivation, current cash inflows provide a push to stay invested that should not be underestimated.

@Tokugawa To be honest, I have to say that I have little interest in individual dividend stocks. A lot of micromanaging, sector coverage/diversification, fundamental analysis, watching watch lists, all things I don't want to do, only to be unable to beat the market afterwards (like many). I prefer dividend-paying ETFs, both because (as it seems to me) in most portfolios you see the stocks that have the largest share in the respective funds anyway.

I prefer the security, after all, the portfolio should be able to pay for my third tooth when I retire. (or a Porsche at 30)

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