5G·

Annual portfolio update

After sharing my portfolio last year, here is a small update.

Private:

29 years old & engineer

I'm doing very well professionally, I'm working on exciting projects and my work takes me all over the world.

I'm also doing well financially, I can save about 30% of my net salary every month, although I spend a lot of money on vacations and eating out.

Year-to-date depot:

Basically, things actually went quite well during this period, even though recent events have of course also caused me to suffer major losses. However, there is still a (small) gain for the year. Some shares have performed very well, but some have not; as it goes with shares.

Strategy:

Not much has actually changed in terms of the positioning. I currently only invest in 2 ETFs and Visa as a single share with a total of around €1000 per month.

I believe that this is the best way for me in the long term, partly because I don't have the time to deal with individual shares. That's what experience has shown me so far ;) I will still sell some positions, especially smaller gambles that of course didn't work out. BASF is being saved as part of the employee program, and I'm already achieving a solid return here, even if the share price moves sideways. Unfortunately, this is difficult to capture in GetQuin.

Outlook:

I will continue to save primarily in ETFs, as I have an investment horizon of around 30 years. I want to be able to decide at the age of 60 whether I want to continue working or retire. I don't need to take any additional risks and can live well with 5-8% p.a. A few individual stocks will be added in the future, but I'm aiming for the following balance: ETF (65)/ BASF (10) / individual stocks (20) / crypto (5). Despite the current uncertainties, I'm staying cool - I won't need the money in the foreseeable future anyway.

Please let me know what you think, I really appreciate the Getquin community.

31Posizioni

147.266,38 €

18,43%

24 Commenti

Aktienmasseur@Aktienmasseur

One of the few investors here who has personally understood the stock market system for himself and also admits that he cannot value individual shares sustainably at all and therefore relies mainly on ETFs.

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tommycashless@tommycash

@Aktienmasseur le me also a figurehead 🥰😁

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Charmin@Charmin

@tommycash Not only that: he is also one of the very few who do not want to be a millionaire, but who clearly says: 5-8 percent is enough.

That is the way to go.

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Moritz@MoKi28

Thank you for your feedback. This confirms me in my actions 👍

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Charmin@Charmin

Should be pinned for all investment beginners

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Floriano@FlorianoPerlini

Such a depot at the age of 29 - brilliant!

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DH_wealth@DH_wealth

not bad.

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FearlessHODLer@FearlessHODLer

When do you started? At 18y old? That’s amazing.

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Moritz@MoKi28

@FearlessHODLer I started 2019 👍

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Apfelbaum94@Apfelbaum94

@MoKi28 Congrats to the portfolio!
Did you have a higher invest rate in the past or had some starting funds?
Cause when I calculate 6 full years with 1000€/month, you invested “only” 72.000€ and getquin shows 23.000€ profits. So I am wondering, where the additional 45k are from 😄
(Just curious, cause I have a similar job and invest rate as you)

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Moritz@MoKi28

@Apfelbaum94 you are right, in total 40000€ is from heritage and gifts, which I spend in addition. I also spend Sometimes more than 1000€ , especially when there is some extra Money Like 13. salary or yearly bonus.

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Elyani@Elyani

Hello colleague!

I simply enter my incentive shares with a "purchase price" of 1 cent. This should actually make the GetQuin display fit, shouldn't it?

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Moritz@MoKi28

@Elyani Hello colleague! That's how I do it too, unfortunately it distorts the performance a little, as it makes you look a little better than the shares have actually performed. But for me it's also the best compromise

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Jimmi@purplehaze

I think that's a wonderful portfolio allocation! If you think conservatively and long-term anyway, that's a good strategy in my opinion. If I were you, I wouldn't do much differently.

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Dude@Ridick

I have 75% of my main holding in ETFs and only my gambling portion in crypto and individual stocks. The goal is to beat the MSCI (i.e. the market), which of course doesn't happen that easily. However, I don't hold a position there just like that if I don't have an expectation. As an idea, I would hold fewer individual positions and prefer to hold an ETF FTSE/ACWI or MSCI+EMI. For my taste, some positions are not clear to me why they are not better off in an ETF. That would make the portfolio a lot more streamlined and simpler. Would your Microsof position or the VISA position beat the MSCI in the long term? No? Then why not invest in the MSCI right away? These are my thoughts on the matter. Otherwise great portfolio and thanks for sharing

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Moritz@MoKi28

@Ridick Thank you for your feedback. I think I'll tidy up a bit when I get the chance. I generally don't like selling, but some positions are slowing down my portfolio in the long term. I save Visa primarily via cashback and saveback from TR, which I think is somehow appropriate because it's also a Visa card 😅

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The W.@thewolfofallstreetz

Congrats, keep going

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Pawfolio@Pawfolio

I would be interested to know how you came up with the ratio of 65% ETFs 10% BASF 20% individual stocks and 5% crypto. I'm also thinking back and forth for a long time and think my way will be 50% ETF 45% shares and 5% crypto 😊

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Moritz@MoKi28

@Pawfolio that doesn't really have a scientific background 😅

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Stefan@PatienceBeatsGreed

Wild guess
You received the Disney share as a giveaway on Trade Republic?

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Moritz@MoKi28

@PatienceBeatsGreed Yes! 😂

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Heiko G.@Ozzel

Stark

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Denis@DenisVidukic

Looks good. At 29 ? Gosh. I would consolidate a little. You are broadly diversified with equities. You can optimize that. For example, you have Altria and BAT. Both are dividend pearls and both are from the cigarette industry. Similar to Xiaomi and BYD. Get rid of the DWS Top Dividende fund. There are better and cheaper ones.

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Moritz@MoKi28

@DenisVidukic Thanks for your feedback and you're absolutely right. These positions are leftovers from my early days and should actually be cleaned up..., but I am correcting my portfolio by adjusting the weightings with new investments. DWS Top Dividende is still being liquidated, that was actually my first position when I opened the portfolio with my dad. A recommendation from the savings bank, of course. With an MSCI World I would probably have achieved more than double the return.

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