Non trovato

Tobi_0903 · 2024-02-06T07:56:05.346902Z

Guten Morgen, kurz zu mir. Ich bin 20 Jahre alt und bin seit November 2021 dabei meine $500 Sparplan zu besparen. Anfangs noch mit 100 € pro Monat da ich mich noch in der Ausbildung befand, ab September 2022 dann mit 350 € pro Monat und seit Januar 2024 nun mit 600 € pro Monat. Meine Anlagedauer wird sich hoffentlich nach aktuellen Plänen auf 30-40 Jahre belaufen. mit der Erhöhung der Sparrate von 350€ auf 600€ habe ich auch vom $500 zum $CSPX gewechselt, aufgrund der niedrigeren TER und der insgesamt besseren Daten. Die Krypto Sparpläne laufen erst seit Oktober 2022 mit 40€ pro Monat in $BTC und 20 € pro Monat in $ETH und sollen auch auf unabsehbare Zeit weiterlaufen und ggf. auch mal erhöht werden. Die $TTWO Aktie habe ich am 15.11 zu 142,42€ pro Stück gekauft und lasse diese auch noch eine ganze Weile in meinem Depot liegen. Die Ginmon VWL Position sind meine Vermögenswirksamen Leistungen welche ich aber leider nur schlecht hier tracken kann, daher ist nur der eingezahlte und derzeitige Wert vorhanden. Der Chashbestand von knapp über 9.000 € ist meines Erachtens zwar ein klein wenig zu hoch, allerdings soll im Laufe des Jahres 2024 ja auch noch ein neues Motorrad her. Ein bisschen Spaß muss sein. Ich finde es Schade, dass durch das Geld auf TradeRepublic alles hier in die Performance eingerechnet wird und diese natürlich massiv negativ beeinflusst. Danke fürs konstruktive Feedback :)

Tobi_0903

@Tobi_0903

11Mes·

Good morning,

Briefly about me. I am 20 years old and have been saving in my savings plan since November 2021. $500 (+0,56%) savings plan.

Initially with €100 per month as I was still in training, then from September 2022 with €350 per month and since January 2024 now with €600 per month.

My investment period will hopefully be 30-40 years according to current plans.

With the increase in the savings rate from €350 to €600, I have also gone from $500 (+0,56%) to the $CSPX (+0,55%) due to the lower TER and the overall better data.

The crypto savings plans have only been running since October 2022 with €40 per month in $BTC (-1,72%) and €20 per month in $ETH (-2,25%) and will continue to run for the foreseeable future and may be increased from time to time.

The $TTWO (-0,3%) I bought the share on 15.11 at €142.42 per share and will leave it in my portfolio for a while yet.

The Ginmon VWL position is my capital-forming benefits, which unfortunately I can only track poorly here, so only the paid-in and current value is available.

In my opinion, the cash balance of just over €9,000 is a little too high, but I'm also planning to buy a new bike in 2024. A little fun is a must.

I think it's a shame that the money on TradeRepublic means that everything here is included in the performance and of course has a massive negative impact on it.

Thanks for the constructive feedback :)

7Posizioni

19.367,26 €

7,58%

8 Commenti

PowerWordChill@PowerWordChill

11Mes

Have you ever considered including countries other than the USA in your portfolio, there are good reasons to do so:
https://getqu.in/NXy7mT/

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Tobi_0903@Tobi_0903

11Mes

@PowerWordChill Yes, I did indeed do that for a very long time, but I am currently very satisfied with the overweighting or full weighting on the states and have a good feeling about it. The arguments in your linked article are by no means bad or incorrect. I can also see the disadvantages and risks. Maybe I will switch at some point in the future. Let's see what happens

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Ayecaramba@Ayecaramba256

11Mes

Why not just leave your cash balance out?

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Tobi_0903@Tobi_0903

11Mes

@Ayecaramba256 However, it is inserted again every month when I update the TR link

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Ayecaramba@Ayecaramba256

11Mes

@Tobi_0903 ah you don't do it manually. Ok I do it manually

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VincGetsTheBag@VincGetsTheBag

11Mes

@Tobi_0903 you can uncheck the box "implement cash position" or similar

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Utente eliminato

11Mes

Il commento è stato cancellato

Tobi_0903@Tobi_0903

11Mes

@Duderino Thank you, a clear and simple structure has always been very important to me. Fortunately, I have been able to keep myself away from individual shares since my beginnings on the stock market, although the urge to do so has always been strong. Yes, I'm actually surprised that I've been doing all this so consistently for a long time now, I hope it never lets up. With a total of €60 in crypto, nothing is getting away from me ;)

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