1G·

Honest opinion!

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+0,4%) , $O (-1,13%) and $ATO (+7,49%) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (+0%)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (+0,17%)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0,76%)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (-0,12%)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (+0,72%)

50 €

FTSE Emerging Markets (Dist)$VFEM (-0,37%)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (+0,75%) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

10Posizioni

4659,64 €

0,39%

17 Commenti

user5ca946a11b6a4278@user5ca946a11b6a4278

Not much time, but: definitely save Bitcoin. I would set a target of 1 BTC.
Stick to 3 ETFs! Leave individual stocks.
And very important: look at the total return on justetf. Dividends are useless if you perform poorly overall (see Realty Income or Cola).
And it's best never to sell Bitcoin and if never during the year. And don't buy from TR, as you can't send the coins. Buy from Bitvavo.

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Jan@JP1996

I think that's too many ETFs. With this selection you will probably also underperform.

A better choice would be $VWRL as you have performance and also get some dividends. Maybe one ETF in addition.

Or leave it at $IWDA and $VFEM + maybe another ETF.

Bitcoin with a certain amount makes sense, yes.

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CrashBurner@Psychedelic_Sunflower

I would think very carefully about reallocating in 20+ years. It will be really tax-intensive. Either invest in distributors now (and pay tax on dividends by then) or invest everything in accumulators and simply sell shares as soon as you can live on them. That way, you only pay tax on the sale for your current cash requirements.

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Hodlinvestor@Hodlinvestor

@Psychedelic_Sunflower I agree!
You have to think about it at the beginning...
Taxes on dividends or taxes later when you reallocate... you will have to die a death. 😝

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nelehsm@nelehsm

@Hodlinvestor @Psychedelic_Sunflower Yes, you're right. My idea is just to aim a little more for growth first. Depending on the return, I may have to pay taxes, but the bottom line is that I still get more out of it.

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Hodlinvestor@Hodlinvestor

@nelehsm The main thing is to work out your plan.
And don't keep changing your approach... back and forth empties your pockets.
Both are right, you'll see which is more right when you're 45 😉
The main thing is to do it !!!

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CrashBurner@Psychedelic_Sunflower

@nelehsm if you want growth > world ETF, you are on the wrong track with dividend ETFs and they do not fit your strategy

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Daniel R.@stocker_2506

Still on the ETF

Covered call: This is only for the psyche. They have been around in the USA for a long time and they don't make the market return. There are also several YouTube videos on this.

Aristocrates & World high Div: Companies pay good dividends when they have no more imagination and can invest the money in the company. They will not outperform the market. The important growth stocks in particular are not included in the FTSE all World high div because they do not pay dividends. High dividends are nice, but they are expensive.

Msci World & Emerging Market: Good basis

Nasdaq: Is a bet that tech will continue to perform strongly. Personally, I think it's a good choice.

Conclusion: Msci World + Emerging Markets + Nasdaq should deliver the market return.

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Daniel R.@stocker_2506

A few tips for beginners:
1st question ChatGPT: "What is smart money and dumb money in the stock market". Be smart money.

2. don't get fomo and wait for opportunities. They come again and again.

3. you are still young, have a lot of time and can bet on growth. A luro chart does not make a good company. You invest in companies (if individual shares). In traddingview you can already see a lot of fundamental data. The fundamental data should be the focus, not the chart.

4. don't let anyone talk you into it and do your own thing. You have to believe in what you are doing. If you don't, you won't be able to get through a "valley of tears".

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Darth Vader@TheRealDarthVader

Exceptionally bad! Don't see any goal or structure in your portfolio other than chaos. The Darth Vader Roast had to be short. Now to the productive criticism. Too many positions in general and in particular too many etfs that overlap or that double saving offers no added value. One world, Nasdaq and one dividend etf are enough. If you want a return, opt for growth investing, especially at the age of 21, you don't need a monthly dividend but a strong compound interest! Bitcoin absolutely into the portfolio but currently only with a savings plan or wait until it falls. So hope that helps.

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Thom@Depot_7777

are you a strong person, especially when it comes to patience? max 2.3 ETFs accumulated. - No distributors, especially in your younger years you are giving away returns in the long term. BTC in any case 10% or more, leave it nicely. In the end, you only withdraw what you need to live, you don't need distributors for that - only for the psyche. But it's a question of faith - everyone as they like it

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Niklas@NikS

13H

Hi Nele, I think it's great that you want to look into this topic. I think your plan is solid for now, but I think you're missing out on a lot of returns because of all the ETFs.

However, I would reduce the number of ETFs to 1-3 (my personal choice would be iShares Core MSCI World, S&P Global Dividend Aristocrat's and FTSE Emerging Markets). Beyond that, I think you can achieve more with growth stocks. My choice is for the following reasons:
Core MSCI: broad diversification, solid growth for low volatility
Dividend aristocrat's: For the cashflow/ good feeling that something is happening (as you said)
Emerging markets: growth drivers, higher volatility but higher returns
Individual stocks/growth stocks: greater volatility, higher returns

You are now 21 and still 'at the beginning' so I think you can handle the fluctuations and volatility (plus the high weighting of the core MSCI brings a certain stability).
If you want to add individual stocks to your portfolio, I would probably recommend the big ones that everyone knows (Microsoft, Amazon, Meta etc to name a few examples), but I would definitely ask you to do your own analysis and pick the stocks yourself!

In any case, your plan sounds well thought out and I wish you every success and, above all, lots of fun with it!

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BrixtonInvest@BrixtonInvest

Investing can be quite confusing at the beginning, we all feel that way 😅

It's important that you find a strategy that allows you to sleep well at night.

Apart from that, the savings rate is a factor that should never be underestimated, but you've already planned that anyway 👌🏼

Good luck with your trip 🚀

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Mikolaj@Volcano

Look on the markets you are investing. All world ETF have around 65% allocation in USA then, by adding S&P and NASDAQ you are not diversified, but only more bounded to USA. I would recommend to have 1 all world, 1 EU, and 1 USA ETF depends on your risk tolerance this should be certain % of your total holdings. To that I would add some interesting stocks, and BTC if you have to invest in crypto, but I would skip the last part.

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Brandon90@Brandon90

How long have you been with us? Would take more stocks less ETFs. ☺️

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nelehsm@nelehsm

@Brandon90 Since November 2024, but as written in the text I would like to move away from shares and only hold etfs

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capital_genius_2601@capital_genius_2601

I would always keep it as simple as possible, just save 2-3 ETFs. You'll never go wrong with that. Bitcoin is not for me, but leave it in if you like.

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