Hello everyone,
Since I and my portfolio have recently exceeded the €50,000 mark, I wanted to take this as an opportunity to present my portfolio and my strategy to you. I look forward to your opinion, assessment, criticism and potential for improvement.
About me: I am still 29 years old and work as a team leader in an industrial company in the building materials sector. In terms of education, I feel I've been through all the stages - from a qualifying secondary school certificate to A-levels and a bachelor's degree to a master's degree. The only thing missing is a doctorate 😌
About the overall strategy: My assets are divided between my share portfolio, a condominium and a call money account. I live in your apartment myself. I wouldn't consider renting or real estate as an investment because I think the risks of having to invest money again are too high. You can also suspend the savings plan in your portfolio from time to time. So the apartment is held for as long as it is occupied and then sold when I buy a house.
About the equity strategy: I'll try to summarize this briefly
- Allocation: core-satellite strategy. So core for me is any ETF, satellites are the individual stocks. Core should make up about 80 percent, the individual stocks 20 percent. The buy-in for the individual stocks is always 2000 euros.
- Selection: Dividend strategy - the dividends of the ETFs are reinvested in them, the dividends of the individual shares go into an ETF.
- Buy and hold
- Special feature: I received a loan from a close relative for my apartment, which is repayable on maturity after 8 years. Due to some lucky coincidences, I had the money back together one year after the purchase. So instead of letting it sit in an overnight deposit, I invested it at the beginning of 2024 - with very good timing.
Stock selection and savings plan:
- $VHYL (-1,09%) The big core - I think the ETF is good because it is broadly diversified and has a good, reliable distribution. I am not currently saving in the ETF. Only the remaining shares from the beginning of 2024 are transferred from the second custody account (I transfer cash to a separate account and make a custody account transfer from the second custody account to mine. The loan amount will then accumulate there).
- $VWRL (-0,1%) Will be my new second large core and therefore currently saved with 500 euros per month.
- The following individual securities are currently fully saved: $ALV (+0,22%)
$BAS (-1,02%)
$EOAN (+0,38%)
$BATS (+1,45%) - As soon as the core share is over 80 percent, further shares are transferred from the second portfolio. $SIE (-0,66%) shares are transferred from the second portfolio. The total buy-in is therefore also EUR 2000.
- The following stocks are still included in the second portfolio and are transferred bit by bit - whenever there is money and depending on the core share in my portfolio: $VHYL (-1,09%)
$VWRL (-0,1%)
$PEP (-0,85%)
$SIE (-0,66%)
$DHL (-1,05%)
$VOW (-1,12%)
Further strategy:
At the moment I feel comfortable with the strategy and until all individual stocks etc. have been transferred to the main portfolio. It will take some time before all the individual stocks etc. are transferred to the main portfolio. In the long term, I am considering $TDIV (-0,95%) with a 10 percent share. I will then select individual stocks in the future, but e.g. $RIO (+0,21%) , $MUV2 (-0,17%) or $MAIN (-0,49%) I could well imagine.
Looking forward to your comments on this boring strategy 😌
