Hi everyone,

I am 21 years old and have been actively investing myself since 2019, before that my parents started investing money for me.

Now I started working at the beginning of the year and can currently invest €1000 per month, but I'm thinking about increasing it again if necessary, as I have enough left over at the end of the month.

I am currently saving $BRK.B (-0,12%)
$NVDA (+0,78%)
$AAPL (+0,17%)
$MSFT (+0,23%) and $META (+0,31%) with 50€ each.

The ETFs $UST (+0,82%)
$LYPS (+0,22%)
$LYY7 (+0,17%)
$IWRD (+0,33%) and $LOCK (+0,26%) with 150€ each.

I would like some feedback on what you think about diversification in the savings plan, or whether I should invest more in shares at a young age.

I will also be joining Trade Republic next month and will also be focusing on short-term trades as I have been looking into this a bit more recently.

I look forward to your feedback and what could be adjusted in general.

Best regards!

Dear friends of Getquin,

I'm usually a silent reader, but if everyone just reads, eventually there's no more reading material, is there? So today I want to share my story with you.

The beginnings:

It's hard for me to say exactly when my journey began, but I do know that I developed a fascination with money as a child. My first "investment" was when I was about 7 or 8 years old, when I bought an ounce of gold with my own pocket money. At that time, no one in my family had anything to do with investments, but I had seen it in my mother's bank when I often accompanied her there. I was fascinated by the shiny coins and wanted to know how I could have a piece myself.

Then, around the turn of the millennium, I saw my father, together with a "great" bank advisor, invest the entire family savings in the middle of the dotcom bubble. The result: a massive loss within a few months. But my mother, who was at home at the time, fought hard and was miraculously able to recoup the losses. I was about 9 or 10 years old at the time and watched her sit in front of the PC every day and look at the figures. From that moment on, I was hooked! I started using an Excel spreadsheet to track which shares I would have bought at what price and watched the performance of my fictitious investments with great interest every day after school.

The first few years:

My mother stopped day trading after about a year and went back to work. However, shares were no longer an issue for me until I was 26.

Getting into real shares:

In 2018, in the summer, as a die-hard Juventus fan, I read about an article on the transfer of CR7 and how Juventus shares went through the roof. I was there again! At that time, however, I only had a small income as a working student. My father, who had failed with his investments in the past, gave me €2,000 - and I bought Juventus shares. However, he made me promise him that I would never invest in shares again. How did the story end? The "trade" with Juventus was a success, but I had to pay taxes for the first time - and I still hate that to this day.

The first losses:

After my Juventus adventure, I began to delve deeper into the matter. I tried out recommendations from "Aktionär" and repeatedly bet on individual shares for smaller trades. It was more of a game, but I generally remained profitable - sometimes a few percent profit, sometimes a few percent loss. Thanks to the profits and additional deposits, I built up my portfolio to €18,000 until I was hit by Wirecard. In the end, I had to accept a loss of around €6,000. It was painful, but not life-threatening - and I learned a lot from this mistake. In particular, I made the mistake of constantly buying more. If I had left it at the original position of € 1,500, the loss would probably not have been so dramatic.

Don't give up:

After the Wirecard debacle, I radically rethought my strategy. I increasingly focused on conservative companies, regular dividend payers and low growth. But here, too, I realized that I was underperforming the market. So I adapted my strategy further and took a long-term approach. I have since been able to slowly recoup my losses.

The clean cut - a new start:

In the summer of 2023, I needed all my assets for a private housing project and decided to make a real "fresh start". I sold all the positions in my portfolio and only kept my ETF savings plans with TradeRepublic.

The new era:

When the housing project was completed, I wanted to build up a new portfolio with the money I had left over - and here you can see the result. My aim is to find companies that are growing strongly and have a solid moat. Dividends are nice, but not a must. My portfolio also contains defensive, boring stocks as a healthy addition. At the same time, I try to further expand my ETF positions through one-off purchases - I stopped my regular ETF savings plans at the end of January 2025. I have also invested a little in crypto and gold on the side. I have made further investments in Lego (€500), Pokémon (€1,000) and Counterstrike cases (€3,000), but these are not part of the public list - that would be too costly for me.

Fun fact:

My cash ratio has never been higher than €3,000 since I first entered the stock market (2018). This is currently an exception because I want to build up a cash reserve for the next generation.

Goal:

I don't have a specific, set goal when it comes to my investments. It's more of a hobby for me. I just enjoy seeing how my portfolio grows and how I can accompany exciting companies and be a small part of them as they develop. For me, it feels a bit like collecting: I enjoy discovering interesting companies, investing in them and watching them develop over the long term.

Thank you:

A big thank you goes to Goldesel Investing and Markus Koch, who have been with me since my first stock market steps. Without you, the share culture in German-speaking countries would certainly not be as strong! And of course a big thank you to Getquin - I've always dreamed of a platform like this! 0% bullshit, 100% investments.

Please let me know if you liked my story!

A small note: My Bitpanda portfolio has a longer history, but I was too lazy to enter everything manually. I also didn't want to take over the history because, as I said, I wanted to start a new chapter in my investment history in November 2023. Overall, however, my crypto track is up €3000-4000.

$CSPX (+0,3%)
$ETH (-0,67%)
$BLK (+0,16%)
$GS (+0,21%)
$XDWD (+0,31%)
$V (-0,1%)
$MC (-0,04%)
$MS (+0,53%)
$QCOM (-2,83%)
$JNJ (-0,33%)
$ASML (+1,2%)
$RBOT (+0,36%)
$LOCK (+0,26%)
$MRK (+0,29%)
$UNP (+0,15%)
$NKE (+0,04%)
$QDV5 (+0,53%)
$MA (+0,2%)
$TGT (-0,19%)
$PEP (-0,5%)
$NU (+0,3%)
$AAPL (+0,17%)
$TSLA (+0,69%)
$DOGE (-0,55%)
$BTC (-0,85%)
$BRK.B (-0,12%)
$PEPE (-0,09%)

Hello everyone,

Briefly about me: I am 26, an employee and also work in letting and leasing/special rental.

The two properties (market value +\- 10%) are now offset by loans of more €329,000 (nothing inherited 😉).

At 99%, this debt will soon increase by a further €150,000 and the real estate portfolio will grow a little again.

However, the cash will fall to +/- 0€, as the NK will be borne by the tenant.

I would like some suggestions and opinions on my portfolio.

Mainly on the subject of equities, as I'm still more of a newbie with about 3 1/2 years of "experience".

I still want to sell all the "meta bets" and park them in cash for the time being or invest them in the $LOCK (+0,26%) and the $XDWT (+0,71%) ETF ($ANET, $KLAC (+0,34%) , $CDNS (+0,48%) , $SNPS (+0,43%) , $QCOM (-2,83%) and $SYNA (+3,46%)).

Thank you!

Your opinion on $LOCK (+0,26%)
?

Actually I wanted to $LOCK (+0,26%) as a long-term position with a 1% weighting in the portfolio, but I'm having more and more doubts as to whether that would be a sensible decision...

Here are the points that are currently giving me a bit of a headache.

1) The good performers of this ETF would also be in the $IS3R (+0,92%) which I want to hold 25% in my portfolio in the long term.

2) Just because you think a sector will play a major role in the future doesn't mean that the prices of the stocks in this sector will all rise. Best example: $INRG (+0,23%) ! I only added this ETF to my portfolio because I think the sector is exciting for the future.

3) In addition, I'm already heavily invested in tech in general, which is why I'm considering whether it wouldn't be good for the diversification of my portfolio if I were to replace this position with, for example, an ETF. $RSG (+0,18%) , $PLD (+0,48%) or $DNP (+0,23%) for example.

I'll have a think about this this week and then see what I do... I've put the savings plan on hold for the time being.

I would be very interested to know what you $LOCK (+0,26%) what you think.

Could you imagine this ETF as a long-term position with a 1% weighting?

A small update on my portfolio:

• I have liquidated my small Alibaba position (€280) and my small Metaverse ETF position (€300). I wouldn't have dared to buy more Alibaba and such a small position doesn't make much sense.
• I invested the money in the $5OGE (+0,15%) and the $IS3R (+0,92%) These two ETFs should each make up 25% of my total portfolio in the long term; however, I'm still toying with the idea of weighting the two with only 20% and adding another 10%. $IEMA (+2,49%) in order to be better diversified in terms of regions
• I have just realized partial gains on my cryptos (not yet tracked) and have increased my $BTC (-0,85%) -position to €1,250 and my $SOL (-0,24%) -position to €500; the profits will also flow into the two ETFs
• The individual positions that are <€500 are still to be increased; $AAUKF and $LOCK (+0,26%) via a monthly savings plan and the rest with subsequent purchases

=> In the long term, I would like to cover 50% with the 2 to 3 large ETF positions and the remaining 50% with individual shares of quality companies

I would be very interested to know what you think of this strategy!

• Include EM ETF yes or no?
• Your opinion on $5OGE (+0,15%) and $IS3R (+0,92%) as a basis for a portfolio?
• Are there any individual stocks in my portfolio that you think are completely unsuitable as a long-term investment?

I am very keen to hear your opinions! 🙏🏼

Hi together

I am thinking about selling my share of $LOCK (+0,26%) with a small profit and then as an initial and one-time purchase in $1211 (+1,31%) , $AAPL (+0,17%) or $TSLA (+0,69%) as an initial and one-off purchase.

What do you think? Looking forward to your opinions :)