Hello everyone,
I would also like to introduce myself and my portfolio briefly and succinctly.
I've been a silent reader for a few months now. Now it's time to reveal a bit about myself.
About me:
My name is Maria, I'm 35 years old and I live in Europe. I live for rent. I work in the business world as a manager.
I started investing in 2017 or 18, but stopped again in 2021. I started again towards the end of 2023 and am now here. I was mainly triggered by Finfluencer. There's good and bad. Good: I started investing again. Bad: I bought a lot of things blindly (which are no longer in the portfolio). I am now trying to straighten this out and no longer follow such people.
Monthly savings rate approx. 365 €.
I am fully invested, including Not Groschen because I can afford it and I want to make up for the lost years.
About the portfolio:
The aim is to create a healthy mix of growth, dividend (growth) and a stable, healthy basis. The dividends also serve somewhat as a "motivator", but ultimately my goal is to generate a passive income.
As mentioned above, I have (or had) some stocks in my portfolio that I wasn't happy with, so I recently cleaned them out and reallocated the capital that had been freed up. Roughly speaking, I would generally like to have fewer individual shares in my portfolio and will be weighting them towards ETFs.
The individual stocks in the portfolio:
- $$HMWO (+1,24%) and likewise $XDWL (+1,27%) are a pillar of my portfolio. Run with a weekly savings plan. Two MSCI World to collect dividends in different months and possibly avoid the FIFO principle
- $HMCH (+2,47%) I am unsure here. I thought China would escalate, but it doesn't look like it at the moment. On the other hand, China can hardly go any lower. It is currently valued similarly to Austria. Running a monthly savings plan. I'm thinking of selling it and getting a broadly diversified emerging markets ETF.
- $QYLE (-0,67%) Maybe a rookie mistake, maybe not. I have actually deleted the savings plan here, but now, due to the price slumps of the last few days, I will buy another tranche on the 16th via a savings plan. Let's see
- $O (-2,72%) Largest single share position. I normally prefer weekly savings plans as I have various income streams and the constant investing motivates me. Here, however, I try to set the savings plan monthly so that I take the dividend discount with me.
- $JEGP (-0,63%) It has recently become a pillar of my portfolio. Dividend growth, share price growth will hopefully follow, few fluctuations. I like it. It's weekly until late and provides me with good dividends every month.
- $LIN (+0,07%) Was one of those blind herd buys, but I will hold the share as I think it is a quality company from the low weighted industrial sector and they have an oligopoly with Air liquide.
- The 2 accumulating world ETFs, momentum and quality, should outperform the normal MSCI World in the long term. Let's see
- $MPW (-3,18%) The news at the beginning of the year was very negative, but I thought they had been punished too much and the intrinsic value exceeded the market capitalization at the time. So I got in three or four tranches near the low and was lucky.
- $SCHD I bought very recently and have to admit that I was triggered by the forum posts here. But I think it fits quite well into my strategy.
- $EWG2 (+0,99%)
$STHY (-0,87%)
$XUHY (+0,9%) In my opinion, gold and bonds belong in every portfolio in order to provide opportunities and stability even in difficult market situations. However, I'm not sure whether I have the right corporate bond ETFs and should perhaps go for long-term government bonds.
Please feel free to give me feedback on my portfolio.
Have a nice weekend everyone!
