15H·

Portfolio presentation

Hello getquin community,

I am 22 years old, a dual student in the tax sector, and otherwise a rather quiet reader on getquin. At this point Thanks to all who take the trouble to publish posts here, some of which are ready for a doctoral thesis. You are a real enrichment!

I would like to introduce you to my depot today.

My goal is long-term wealth accumulation through solid individual stocks and an ETF core.

The beginning:

I started when I was 18 with little money and made the typical mistakes:

no own research
Little to no knowledge on the subject
Purchases only on the recommendation of others or because I liked their products

This led to me making losses, which made me stop again (over 1 year)

The turnaround:

Some time later, I started reading up on the subject and acquiring knowledge. After I was confident that I now had more knowledge, I slowly started investing again and creating my own analyses. In the meantime, I have recovered my initial losses and I think I am on the right track. Here is my current status/strategy:

Horizon: 10 + years (buy & hold)

Strategy: Core-Satellite

Core (target 40 %)FTSE All-World ACC $VWCE (+0,16%) (currently more like 80/20, will be expanded)
Satellite (target 60 %)Individual stocks

Target: Combination of return and stability

My selection of individual stocks:

At this point: There are a few stocks, but the portfolio is no longer that small, currently approaching 20k.

Siemens $SIE (+0,59%) 11,7 %

Strong industrial base, automation & digitalization, nice diversification, future-oriented

Amazon $AMZN (+0,08%) 11,6 %

E-commerce & cloud growth driver, in my opinion currently my top pick of the Mag 7 in terms of valuation.

Apple $AAPL (+0,39%) 10,9 %

Classic

Alphabet (A) $GOOGL (+0,46%) 10,7 %

AI potential & strong margins

Kawasaki Heavy Industries $7012 (-3,71%) 10,5 %

Japanese industrial stock, robotics, Asia diversification

ASML $ASML (+1,96%) 8,4 %

Key position in semiconductor production

Novo Nordisk (B) $NOVO B (+1,18%) 7,9 %

Healthcare growth through Wegovy/Ozempic, in my opinion still strong potential in the future

Fortinet $FTNT (-0,25%) 7,8 %

Cybersecurity play with solid growth

UnitedHealth Group $UNH (-1,13%) 7,7 %

Stable healthcare giant, steady cash flow, figures were really strong today

Allianz $ALV (-0,66%) 7,0 %

Value + dividend, defensive component

Munich Re $MUV2 (-0,57%) 5,7 %

Stability & high dividends

With a regional breakdown of the individual shares of:

48% North America
40% Europe
10% Japan

Regional breakdown with ETF with a weighting of 20%:

North America: 51%
Europe: 36%
Japan: 10%
Rest: 3%

Regional breakdown with ETF at the target weighting of 40%:

North America: 53%
Europe: 32 %
Japan: 9%
Rest: 6%

Sector breakdown of individual shares:

Information technology: 38.0 %
Industry: 21.7 %
Healthcare: 16.3 %
Financial services: 10.9
Consumer staples: 10.9

Sector breakdown with ETF at 20% weighting:

Information technology: 34.8
Industry: 19.6
Healthcare: 15.2
Finance: 11.7
Consumer staples: 10.3
Non-basic consumption: 2.2
Energy: 1.0
Communication/Other: 1.4%

Sector allocation with ETF at the target weighting of 40%:

Information technology: 31%
Industry: 17 %
Healthcare: 14
Financials: 13
Basic consumption: 10
Non-basic consumption: 4 %
Energy: 2 %
Other: 3 %

Cash ratio is too high at approx. 25% for additional purchases or unexpected expenses (repairs etc.)?

I have thought about a defensive addition with Pepsi $PEP (-0,41%) and am still considering adding to my technology section, but unfortunately a lot has run away from me, especially in connection with AI. (so the technology portion of individual stocks is increasing and will not decrease as the ETF increases -> strong growth sector)

I also saw an interesting article earlier from @EpsEra on the battery and energy storage industry. However, I need to read up on this in more detail. Thank you for the informative article!

I also find robotics interesting, but I think I already have a strong player with Kawasaki in my portfolio.

I would be very happy to receive well-founded criticism, feedback and comments! Would you also like to expand the ETF to 40%?

22 Commenti

aminemeskni@Aminmeskini

14H

Solid portfolio in my opinion. At 22 you don't need Pepsi, you need more growth.

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L@VermoegenMitAktien

14H

@Aminmeskini My approach was to bring some calm to the portfolio in bad times. But you're right

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aminemeskni@Aminmeskini

14H

@VermoegenMitAktien I understand your thoughts, if it helps then no problem 😊

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Novius@Novius

14H

@Aminmeskini yes & no, in my opinion Pepsi is a buy at the current level but certainly not a 🚀

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Tenbagger2024@Tenbagger2024

14H

Hello my dear,
looks solidly conservative.
My thoughts are. The World is not necessarily the first choice.
Why do you take the three cast A shares again as individual positions, although the weighting in the ETF is already large. Allianz and Münchener together are not necessarily necessary.
Kawasaki heavy has already done very well and is no longer cheap. But otherwise a very good stock. Novo lacks momentum for me.
So why not as satellites, a few great growth stocks.

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L@VermoegenMitAktien

14H

@Tenbagger2024 Thank you for your answer.
What would be your choice for the Core and why?

I already had the three A shares before the ETF and so far they have performed quite well. Of course they are heavily weighted, you're right about that. Maybe I need to rethink that.

With Kawasaki Heavy, I'm up about 40%, they've run away from me a bit. Unfortunately I bought them too late. I had already thought about alternatives here, but I like Kawasaki the best.

Novo is more of a long-term investment for me. If it should fall, I will buy more, I consider the company to be rock solid and see no reason for long-term underperformance.

What are your favorite Groth stocks? I think many of them, especially in the direction of Ai, have already done well.

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Tenbagger2024@Tenbagger2024

14H

@VermoegenMitAktien
Ah sorry, I must not have read correctly. I thought you wanted to build up the depot. Then I would definitely hold Kawasaki heavy, great defense and robotic value. You'll have to think again about the rest. Growth stocks are presented here again and again. Maybe take a look at crypto stocks. Like coinbase, for example. Or a drone stock. I also think Kitron as a contract manufacturer is interesting.

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L@VermoegenMitAktien

14H

@Tenbagger2024 I already hold BTC myself, so I don't have any stocks like coinbase in my portfolio, I didn't mention that in the text.

Thanks for the feedback, I'll think about it and have a look at Kitron.

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Elsa E.@EpsEra

14H

Hats off that you're already investing at 22 and have almost 20k invested 👏 Respect for that! My view on ETFs is similar to @Tenbagger2024. You often pay for shares that you don't really want. Personally, I prefer to build my own ETF from individual stocks and decide for myself which sectors I want to weight more heavily. And as @Aminmeskini has already written, at your age you can take a little more risk and focus on growth. If you like, take a look at my article on batteries, where you'll find lots of exciting companies. If you have any questions, I'll be happy to answer them, and if you're interested in robotics or humanoids, I've already published something on the subject. https://getqu.in/MBgIMg/

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L@VermoegenMitAktien

14H

@EpsEra Thank you very much!

Interesting, then, 100% single stocks?

I had already read your article on batteries (very nice text) and have already looked at a few companies, but don't have a favorite in this area yet. I'm still looking.

Many thanks for your answer

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Elsa E.@EpsEra

14H

@VermoegenMitAktien
Yes, exactly, I am 100% invested in individual stocks because I like to deal with the companies and take full responsibility, for better or for worse. Mistakes are simply part of the process, but you learn from them. If you prefer to invest in ETFs, that's perfectly fine too, especially if you want to invest less time.

Alternatively, you can also mix your portfolio a little, for example 80% equities, 10% precious metals such as gold or silver and 10% crypto, if you are interested in the topic. I myself currently hold around 90% equities and 10% crypto (Bitcoin, Ethereum) and plan to get into gold if there are suitable setbacks.

Thanks for your feedback and I'm glad you like my post ☺️

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L@VermoegenMitAktien

14H

@EpsEra In addition to the portfolio, I also hold around 8% of all investments in crypto (Btc). Interesting approach, maybe you will become an inspiration. I like the approach.

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Wealth-Accelerator@Wealth-Accelerator

14H

First of all, congratulations on your re-entry and return comeback.
First of all, I would like to say something about the cash position:
If I understand you correctly, the portfolio is around 20k and you hold 25% cash. So, depending on the calculation, around 6,500 euros cash. And with cash, you're combining a nest egg and an investment reserve.
Given your absolute values, I don't think the 25% is too high, but rather offensive.... Which I basically like.
I would reduce the 25% as your assets increase.
So from 60k portfolio maybe only 20% and at 120k only 15% and then let it grow at the same level.
Otherwise, with your experience, I would go even higher with the ETF share. So rather 70%-80%.
The way you are building up, you don't have to try to achieve excess returns by force. But the risk of underperforming the benchmark is high.
So just in principle.
But the stock selection looks solid. What I would reconsider:
Maybe reduce the tech weighting by 5%.

Good luck!

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L@VermoegenMitAktien

14H

@Wealth-Accelerator
Thank you very much for your detailed answer

The point about the cash reserve really makes sense, and I'll definitely take the idea of gradually reducing it as my assets grow on board.

I currently see it like this:
As long as you are still young, you have the opportunity to try things out, test individual strategies and perhaps beat the market.
As you get older or your capital grows, you can then gradually increase the proportion of ETFs and build up a more defensive portfolio.

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Wealth-Accelerator@Wealth-Accelerator

14H

@VermoegenMitAktien I did something similar 😉
And didn't manage to beat the market 😂

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L@VermoegenMitAktien

14H

@Wealth-Accelerator So far it has worked for me but it often fails in the long term. Time will tell 😂 otherwise I'll be annoyed not to have tried it

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Ph1l1pp@Ph1l1pp

13H

Please stick with 100% S&P500!

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L@VermoegenMitAktien

13H

@Ph1l1pp Why should I? Outperformed the S&P 500 together with Crypto

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Ph1l1pp@Ph1l1pp

11H

@VermoegenMitAktien because you won't make it in the long term.

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L@VermoegenMitAktien

11H

@Ph1l1pp 😴💤

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Donald D.@Privateer

12H

All good. Consider new investments from other sectors and/or regions that are not currently in vogue.

These could be: Consumer Staples, Pharma, Biotech, Infrastructure

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L@VermoegenMitAktien

12H

@Privateer I had Krystal Biotech until recently, I'll have to have a look around. Thanks for your feedback

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