1G·

24 year old student PF

Hey community,

I am 24 years old, a student and have been actively investing for almost two years. Like many people, my goal is simply financial freedom and not to depend on the pension system later on

I follow a hybrid strategy: a stable ETF core combined with concentrated individual stocks where I have real conviction. No active trading, but buy and hold, unless I notice that a share is getting hot, then I sell and buy again at a lower price when it has corrected.

My underlying strategy:

in the first few years, I blindly followed many trends and other "finfluencers" and didn't always make good and wise decisions as a result. When I invest in individual stocks now, I do so with conviction and that they are future-oriented and will bring me long-term returns.

I would like to reduce the USA share to ~55% in the medium term

I have around €2,500 in cash that I would like to invest now. On my watchlist: $ISRG (-0,38%) Intuitive Surgical , $ACN (-1,4%) Accenture, Space X and $POET (-4,87%) Poet Technologies $AXTI (-4,06%)

I know it's not an exciting portfolio rather basic but maybe I would like to change that :)

I am grateful for any honest feedback, even if it is uncomfortable.

4 Commenti

I wouldn't change it. Core Satelite is the best strategy you can use. Large ETF position and small gambles on the side. I'm also currently in the process of shifting my portfolio more in that direction.

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Krush82@Krush82

@der_Don It's always a matter of opinion or it depends on who you ask whether Core / Satellite is the best strategy you can ride. It is and remains 100% individual for whom which strategy is best

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Luca@value_visionary_211

First of all, congratulations on such a considerable sum at your age. I would basically do a few things differently with your portfolio, but that's also because I take a different approach to you. I would get rid of Rheinmetall, which you have in the Defence ETF, and perhaps invest in more defensive stocks instead. Otherwise, your portfolio is quite trend-heavy, both AI/Big Data and the Defense ETF are currently in high demand. Last but not least, an almost 50% share of the portfolio in information technology would be far too high for me. At the moment and in recent years, this has been going quite well, but if there is a decent correction here, your portfolio will suffer greatly. Otherwise, it actually looks quite good.

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Luca@value_visionary_211

@value_visionary_211 As far as I know, the gold ETC is not tax-free after a holding period of one year, so you could possibly switch to $EWG2.

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