1Anno·

Hello all,


after I wrote my first and only post in getquin about 2 months ago and I had only a rough idea of my strategy at that time, today follows my personal strategy.


First of all many thanks to @DonkeyInvestor for the great template for portfolio feedback.


Step 1: About me and my investment horizon and goals

I am 33, married and have 3 children. I am a team leader in an IT company. My wife and I own two apartments, one is owner-occupied, the other is rented. Both still with remaining debt. My investment horizon is between 20-30 years and is intended to supplement our pension and give our children a good start in the "adult world".


Step 2: My strategy

Until two months ago, I was of the opinion that I needed individual stocks in addition to my $VWCE (+0,17%) need. After several sleepless nights and countless researches, I decided on a core-satelite strategy. I am betting on about 90% ETF and about 10% crypto (gambler position).


Step 4: My Depot


The following ETFs are in my portfolio


  • $VWCE (+0,17%) - Savings plan 700€/month
  • $MEUD (-0,76%) - Savings plan 150€/month (US share is to be reduced thereby somewhat)
  • $SEMI (+0,49%) - Savings plan 25€/month (I hold a lot of the industry and is also somewhat job-related)
  • $LOCK (+0,86%) - Savings plan 25€/month (Holds a lot of the industry and is also somewhat job-related)


From 2024 I will reduce the $MEUD (-0,76%) to 100€ and reduce the $SEMI (+0,49%) and the $LOCK (+0,86%) increase to 50€ to get a better percentage weighting.


The following crypto are in my portfolio



Step 4: Depot expansion


I want to keep my current portfolio for at least the next 5 years, because I don't want to deal with rebalancing. As soon as I have more money (loan paid off, salary increase, etc.) the position of the $VWCE (+0,17%) will be further expanded and possibly another gambler position will be added.


Step 5: What I do not want to have


Currently I do not want to have any dividend positions, who knows what will be in 5 years.


A nest egg in the checking and call money account exists and also continues to grow.


Step 6: Share absolute values


Check


Please give me constructive feedback on my portfolio!

Guarda il mio Cruscotto ora!
24
21 Commenti

immagine del profilo
Finally a clever portfolio feedback as it should be, Yuppie Yeah🥰. Thanks for this!
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immagine del profilo
(All)World-Core 🤝 Semiconductors🤝 Cybersecurity 🤝 Bitcoin 🤝 Job in IT 🤝 Not chasing dividends 🤝 Somehow I like your portfolio, don't know why 😁 Whereby I rather bet on the individual stocks than on the ETF. To avoid sleepless nights, but not wrong, although I hope more from the individual company at acceptable cost prices, than from the ETF by savings plan.
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immagine del profilo
✅ Good plan!
1
immagine del profilo
It's on!
1
immagine del profilo
Why do you want to reduce the USA share? I would not do that. Your sector ETFs are too specific for me personally. I would rather choose a general IT ETF and liquidate both sector ETFs. Otherwise it sounds good 👍
1
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immagine del profilo
More than solid savings rate and good selection of stocks. Sector ETFs are of course a matter of taste, but if it keeps you motivated, why not :-) Otherwise, we seem to be relatively similarly positioned - which of course gives us sympathy points. In addition, same age and job sector. I keep my fingers crossed for the future :-)
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immagine del profilo
This reads like a nice plan! You just forgot the savings plans for the kids ;-)
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immagine del profilo
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