Hello getquin community!
I recently came across this platform and signed up straight away to track my portfolio more clearly. For the most part, entering my transactions worked well, but I had to enter some positions manually, especially my gold savings plans (I use the average price to simplify this). Before I share my portfolio with you and look forward to your opinions and suggestions for improvement, I'd like to briefly introduce myself:
My name is Burhan, I'm 29 years old and I come from a town in North Rhine-Westphalia. I work in the insurance industry and am completing two part-time degree courses at the same time (because free time is overrated 😉):
- Business economist for financial services (until January 2025)
- Business administration with three specializations (until April/May 2025).
My way into the world of (small) investors:
I started investing - or rather, trading and chart analysis - when I was 18. Back then, I invested small amounts in leveraged products such as the DAX or WTI oil. Although I made more profits than losses during this time, I learned an important lesson: it is crucial to regularly check take-profit and stop-loss levels in order to avoid capital losses.
However, I only started investing for the long term in 2019. My first step was a savings plan with EUR 25 per month in a fund from Deka ($D6RM (+0,16%) ) - the first dividend I received was a small sense of achievement for me. Later came savings plans for individual shares ($LHA (-0,23%) and $SHA) and commodities ($965515 (+0,33%)) were added. I also used my employer's capital-forming benefits (EUR 40 per month) to further expand my investment in the Deka fund.
My current investment strategy:
Over the last few years, I have tried out and learned a lot and finally developed my personal strategy:
1. basic ETFs:
With the $VHYL (-0,45%) and the $FUSD (-0,02%) I would like to create a stable foundation.
2.
Individual shares:
Here I deliberately focus on non-US companies (with a few exceptions) in order to diversify my portfolio and reduce the US dominance somewhat.
My selection criteria for individual stocks:
- At least 30 % share price growth in the last 5 years.
- At least 10 years dividend history.
Dividend yield of either:
- approx. 1 %combined with an average dividend increase of 10 % over the last 5 or 10 years, or
- approx. 2,5 %combined with an average dividend increase of 5 % over the last 5 and 10 years respectively.
For example: $MS (-0,25%) / $GGG (+0,52%) / $CS (+0,96%) / $ASML (+1,75%) / $MUV2 (+4,49%) / $CNQ (+0,52%) / $MC (+1,62%) / $TKA (-0,82%) / $DHL (-1,32%)
3. Gold:
My gold savings plan is still running because diversification is important - and a little sparkle in the portfolio never hurts.
4. Cryptocurrencies:
The proportion is deliberately low and I plan to concentrate only on $BTC (-1,36%) in the future. Everything else will probably be dropped soon.
5. Cash:
Part of my capital is in a call money account so that I can react flexibly to opportunities or unexpected events - who knows when the next dip will come.
The aim of the asset class allocation:
- 37.50 % ETFs
- 37.50 % individual shares
- 10.00 % commodities
- 5.00 % cryptocurrencies
- 10.00 % Cash
In addition, a good deal is currently underway to buy real estate (purpose: rental) - I am still curious.
I hope my first post wasn't too long and that you've made it this far! 😉 I look forward to your feedback, opinions and tips - keep them coming!
