1Anno·

Hello everyone,

I started investing about two months ago now. The money so far I have from an account that my grandma has invested for me. I am 18 years old and will start a dual study program at Siemens in September. I would be happy if you could give me some feedback on my portfolio.

My strategy is as follows:

I would like to drive a core/satellite strategy with about 80% ETF/core and 20% satellite/individual stocks.

For the core, I was thinking of $IWDA (-0,9%) and $XMME (-0,93%) and increase the European share with the $EXSA (-1,1%) so that in the end the ratio is 60/25/15.

As a satellite, I would first of all like to focus on $LIN (-0,84%) because firstly, the company has grown consistently in the past and I also see a lot of potential in the future.

$ALV (-0,81%) I bought the Satellite at the beginning because I was lured by the dividends. I would not do today, but now I have them and can leave them for now.

$KO (+0,48%) I think in the future still has potential, because soft drinks will be drunk even longer.

$123F (+0%) I just bought so times to try out how much such a small share can fluctuate and just to learn a bit. Is not a big position with 13€ and From therefore no big problem.

My savings plan amounts to a total of 200€, of which 100 in $IWDA (-0,9%) , 40 in $XMME (-0,93%) 25 in $EXSA (-1,1%) and 35 in $LIN (-0,84%)

Since I do not know if this is displayed with or helpful to evaluate the portfolio. The total value is about 6000€.

Guarda il mio Cruscotto ora!

8 Commenti

Enrique@Dividenden_Monteur

1Anno

If you start with Siemens, employee stocks can be interesting for you. Can be a great leverage for wealth building, especially if you get discount. Otherwise, nothing else wrong with your portfolio. Maybe one more position with a bit more risk? You are only 18 after all :)

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Ludwig@Luggi089

1Anno

@Der_Dividenden_Monteur Yes, the system with employee shares unfortunately does not exist. I can say that a certain amount of my gross salary goes into a share savings plan, and then Siemens shares are bought from it, but since my tax rate is now very manageable, I don't really need it for training. I'm not aware of any discounts, but if I am, then that's obviously worth considering. What values are you thinking of for more risk positions?

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Ella Marie Waschbär@DividendenWaschbaer

1Anno

@Der_Dividenden_Monteur Even more risk than 123 driving school? 🤨

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Ludwig@Luggi089

1Anno

@DividendenWaschbaer Yes, I'll find out.

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abtrading@abtrading

1Anno

@Luggi089 I would still recommend a small position at $BTC or $ETH. With your young 18 years you could profit from it in the distant future.

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Gerit@Gerit

1Anno

you definitely have a plan 👍 stick it out for now, learn sensible things from the big & successful investors on the side. but focus entirely on your dual studies and your own market value. it will take you further than constantly optimizing to the last percent. good luck 💪

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Ludwig@Luggi089

1Anno

@Gerit I am now also concentrating on the dual study program. I just had a lot of time between my Abi and my training, so I thought I could use the time wisely and get to grips with finances. Thanks

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Melly@melly-m

1Anno

Nice depot. I find the basic stock with ETF super. I have Linde myself in the depot - I would buy it again at any time. As Satelit I would add something with more growth + high dividend growth. You have the time and it pays off later. E.g. Nike, S&P Global, Broadcom, ASML, ... More speculative would then be: IMCD, Halma, Carl Zeiss, Sartorius...

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