Marto (@Maddy-0) su getquin

Hello everyone. I started my journey on the stock market in April and I definitely don't regret the decision.

(According to GQ since 2022, but I only tested the stock market and Bitcoin with play money of €125, but sold it again straight away and the stock market was then next to nothing).

I'm now in my mid-21s and still live at home. My strategy is to build the basis with the $SPYI (+0,26%) ACWI IMI, and with the $CSNDX (-0,01%) NASDAQ 100 and stocks (maximum 10) that are high quality and buy to hold and should yield good dividends in maybe 20 years (small side income). With $BTC (-0,84%) or altcoins I am currently testing myself and trying to understand it better.

The $CSPX (+0,32%) S&P 500 with €500 per month

This is for a possible house construction in 7-10 years. (I am aware of the risk)

On the other hand, I put €50 in the $IWDA (+0,23%) MSCI World for my parents in 10 years when they retire and €100 in the $VWRL (+0,18%) FTSE-all world as a fixed pension. (An additional €200 per month via insurance-linked provisions such as Rürup and private pensions)

The Nvidia position is only so highly weighted because I got in at 104 euros with my nest egg (2.5k). It was a risky move, but as I don't need any big reserves apart from my car, I thought, why not?

Future goal: continue to expand the base with ACWI IMI and NASDAQ, and also add a few individual stocks that are perhaps not so heavily weighted in the existing ETFs. $MC (-0,25%) LVMH $OR (-0,71%) L'Oreal or $MCD (-0,31%) McDonalds, for example

The only thing I'm still wondering about in my first year on the stock market and don't know...tax.

I was thinking of selling the Nvidia nest egg position to take advantage of the tax-free allowance and have the money safely back in my account. The problem is that Nvidia is currently falling sharply. How do you do this or what is your advice? Or would you rather sell some of the ETFs? Thank you very much!

Moritz@leveragegrinding

almost 1000€ savings plans with 21? strong.
I think the breakdown is quite good, but I wonder if you know that all ETFs are 60% the same. Also nasdaq and S&P.

Leads to a very strong US focus, which is fine for me. It's just more risk than adding EM.

I would never sell just for the free cash.
If you want to sell Nvidia, do so, the consolidation will slowly come here too, but perhaps the momentum will return.

Don't sell ETFs just to take the allowance, think about that in 20 years' time.

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Chris@1Chrischi1

fundamentally, nothing has changed at nvidia. i would simply hold or buy more if the stock continues to fall.
just under 13% profit is not the world, especially with taxes and trading fees on top.

i like the rest of the portfolio very much. at the moment we have all-time highs almost everywhere. i would wait for any setbacks before buying or look for undervalued stocks.
e.g.: $UNH is currently badly shaken but fundamentally very strong. i know it's quite expensive and it will take a while until it shines again, but the most important thing on the stock market is time.
you've been there since april and have had good opportunities to get in, but half a year or a year is not time on the stock market... you can be lucky and hit the bull's eye and the share price soars, but these are really lucky moves as a beginner.

for monthly dividends i can recommend reit's. e.g. $O doesn't grow much but you get a monthly dividend - a classic buy and hold stock that you buy and leave forever.

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End of the year