3G·

You can take a look

Hi, since I find it really interesting to look at other portfolios, I thought I'd share mine as well.

My story: I'm 20 years old, started a savings plan on an ETF for the first time in November 2024 and then decided to invest in cryptos for a short time. I was never really taught how to handle money. For the first 2 years of my training, I had my account in the red for all sorts of shit. Thanks to a second job, I was able to afford a savings plan with ETFs and individual shares worth €600 for a few months as an apprentice. Now that this is no longer the case, I've made the decision to invest in ETFs and (in my opinion) expensive shares such as $SIE (+0,35%) or $MSFT (-0,01%) to save.

I buy everything else when the price drops and have a good feeling about it for the time being.

I always have this "Mr. Market" example from Warren Buffet in the back of my mind.

In addition, I had considered setting a limit of 10% per individual share in the portfolio to reduce the risk of extremely falling prices.

This $VWCE (-0,02%) was my first savings plan and I'm actually really happy with it so far, except that with a 60% share from the USA, it has given me a bit of a stomach ache over the last few months.

However, because my entire portfolio consisted of American shares. I was able to learn relatively quickly that you should diversify your portfolio across more continents.

In the end, I opted for $SMEA (+0,39%) and $AEJ (+0,69%) in the end.

Over the next few months, I will be saving in both with a higher savings rate than the $VWCE (-0,02%) to balance out all 3 in percentage terms.

At the end of the love story, I would say that I got off lightly with a 3% loss.


What do you think? I'm really looking forward to hearing the different opinions.

12Posizioni
2910,45 €
3,62%
8
6 Commenti

immagine del profilo
Stay relaxed, you're 20, time is on your side. And falling markets are part of it, things can't always go up. But it's your turn to invest, that's what counts. You're ahead of many of your peers and even older people. 💪🏻

But I would make sure that you expand your chosen ETFs so that the individual stocks can pull your portfolio down as little as possible.
And perhaps don't split into too many positions at the beginning.
3
Boy... right course... keep going 🫡

I didn't start at 20 and just throw my money out the window
3
immagine del profilo
How I wish I started 20 years ago, well done!
2
immagine del profilo
Expand your ETF core in a focused manner and reduce the proportion of individual stocks.
1
immagine del profilo
@BeachPlease The youth these days... 🙄
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