4G·

Milestone reached 🚀 - 250,000

Now that I have reached this milestone, I would like to present my portfolio again. I am 39 years old, married and have a 9-month-old daughter. Due to my wife's parental leave and my own (3 months), I had to reduce my monthly savings rate this year and was also unable to make any major additional purchases during the dip in April. We live in an apartment in Munich that is still encumbered with EUR 220,000. I own 60% of the apartment and my wife 40%.

The aim is to be debt-free by the age of 50, double the value of the deposit and generate a dividend of EUR 1,000 per month.

My portfolio currently has $PLTR (-0,61%) and of course I also have a few securities at the start that are clouding the picture: $P911 (-0,32%) , $NKE (+2,66%)
$PEP (+1,2%)

Comments, questions and remarks are always welcome.

24Posizioni

45,77%

20 Commenti

Dividende > Zinsen@GoDividend

Nice goal setting
Good luck on the way there

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Kalle@Brazzo_Muc

@GoDividend Thank you!

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Ella M.@DividendenWaschbaer

Very good goal.
I also have a house to pay off at the moment, which I would normally have to pay off for another 25 years. I'm now 35 and I'm wavering between paying off the house and saving. I'm currently doing it partly. How do you plan to pay back the €220,000? Are you going to use part of the deposit or how is that planned?

Otherwise, I'll keep my fingers crossed that everything works out. You're a few steps ahead of me 😉

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Kalle@Brazzo_Muc

@DividendenWaschbaer Our loan runs until the beginning of 2030 and has an effective interest rate of 1.66%. At the end of the fixed interest period, there will be around €160,000 left over. I will then refinance it over five years and pay it off with regular and special repayments.
I currently have a monthly savings rate of EUR 1,800 and when my wife goes back to work I will have between EUR 2,500 and EUR 2,700. I have no plans to sell anything for the repayment. When making such statements, however, you should never forget that my wife and I are very privileged in terms of our monthly household income. We both work in the financial industry and together we earn over 10k net per month.
All the best for you!

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Horsti@Horstiiii

Cool deposit . ☺️
Cool income, so the loan should be easy to pay off. You can also spontaneously check the interest rate situation in 2030.... Good purchases continue.

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Ella M.@DividendenWaschbaer

@Brazzo_Muc Ah, very interesting.
Well, of course you also have a few options with Netto.

I'm currently saving €1100 plus sometimes something that's left over plus reinvesting the dividends, so a total of around €1300-1500 a month.

I still have a remaining debt of 360,000.
The first loan is due in 2030, which I will (hopefully) repay in full. Which will still be ~€65,000.
The other two loans will then run until 2035 and 2040, each with a remaining debt of between 60k-80k. The aim is to repay them in full. The highest interest rate is 1.1% until 2040, the other has 0.9 until 2035 and the one until 2030 is 0.76%.
I don't see any stress in repaying it. 😅
Nevertheless, it will be exciting to see whether I can pay back the rest in full. Ideally, I'll be debt-free in 2040.
Let's see how my wife's new self-employment develops. Depending on how it goes, it may take longer or faster 😂

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Kalle@Brazzo_Muc

@DividendenWaschbaer That's a good plan. You don't need to stress about interest rates, your money is better invested on the capital market. By the time it matures, your salary and passive income will certainly have changed a lot!

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Tenbagger2024@Tenbagger2024

@DividendenWaschbaer
I decided to pay off my house and stop investing.
Surprisingly, I finished paying it off very quickly.
And I'm now happy to be debt-free.
I started investing again in 2023.

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Ella M.@DividendenWaschbaer

@Tenbagger2024 I can understand that. I sometimes think to myself that I would rather have finished earlier. On the other hand, I started late in my early 30s anyway. If I wait another 10 years now, I might never catch up again. So it's better to do less now than more later. I haven't done the math, but I don't think I want to lose any more time.

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Tenbagger2024@Tenbagger2024

@DividendenWaschbaer
Yes, you're right. And just look at the monthly installments like rent.
So far we've been in a bull market, so your decision was a good one.
And according to your portfolio, you were also successful.
So I think you've done everything right so far

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Julian@MoneyISnotREAL

Great depot! 🚀
Related $NKE and $P911. As long as you believe in your investment case and the positive future of the company, hold on. But if you have any doubts, it actually means that you should reallocate.

Some German stocks with a great performance in the portfolio👌 $HAG should not be neglected in the shadow of $PLTR 🚀

Otherwise, despite the Nasdaq and tech stocks, I think the portfolio is very well balanced across the sectors. Regionally, something like Asia/emerging markets is not represented at all.

$BTCE... Why did you choose this ETP/ETN? 2% TER? However, as far as I am correctly informed, it is physically backed. Is it tax-free after >1 year holding period as if you had invested directly in crypto?

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Kalle@Brazzo_Muc

@MoneyISnotREAL I have faith in $NKE but I don't believe in $P911. I will probably fill the loss pot.
Yes $HAG was actually more of a €550 back then, let's see what happens trade now in a league with $DTE and $PG in terms of portfolio weighting 🥳
I've never really got to grips with Asian stocks, which is why I'm not directly invested.
I bought the ETC once because I had no real idea about crypto, but I'm thinking about selling and switching directly. It is physically insured but gains are not tax-free 🙈
These are typical mistakes that you get out of the habit of making when it comes to tax deductions!

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Julian@MoneyISnotREAL

@Brazzo_Muc Thank you for your feedback. The crypto thing. I wouldn't see it as a mistake, but as a start in the crypto world. Better to pay taxes and have a profit - than a loss. 🚀 Of course it would have been better otherwise, but from the perspective of the time. A positive personal development and experience🍀.

I'm currently considering taking out an ETN myself, but it would be taxed like a direct investment in crypto (from Coinbase). I think it's a good way to get started without directly opening a crypto exchange account, wallet, etc. - of course with the risk: "Not my tokens, not my coins" and the risk of loss through the issuer.

That with $HAG... sometimes I think to myself: I should just do that once in a while 💩💪👌.

Thank you so much for your insight and for publishing the depot! 🍀🙏

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Tenbagger2024@Tenbagger2024

Can you hold Palantir until the Tenbagger?

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Kalle@Brazzo_Muc

@Tenbagger2024 yes and beyond. Got parts of the mission out in January.

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Tenbagger2024@Tenbagger2024

@Brazzo_Muc
The valuation scares me a little.
But everything has worked out well so far.
And taking profits can't have been wrong.

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Kalle@Brazzo_Muc

@Tenbagger2024 yes the rating is beyond good and evil!!!

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xRaphyx@xRaphyx

Very cool depot :) what is always the question, is this your depot or your depot? That usually makes a big difference if there were another one:

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Kalle@Brazzo_Muc

@xRaphyx This is my portfolio. I've been trying to get my wife to invest for years, but I fall on deaf ears. However, I benefit from her refusal because I also get her EUR 1000 lump sum through the joint investment. I have set up a junior custody account for our daughter into which all the child benefit flows.

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xRaphyx@xRaphyx

@Brazzo_Muc very good :)

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