1Mes·

End of the year

Hello everyone. I started my journey on the stock market in April and I definitely don't regret the decision.

(According to GQ since 2022, but I only tested the stock market and Bitcoin with play money of €125, but sold it again straight away and the stock market was then next to nothing).

I'm now in my mid-21s and still live at home. My strategy is to build the basis with the $SPYI (+0,22%) ACWI IMI, and with the $CSNDX (+1,27%) NASDAQ 100 and stocks (maximum 10) that are high quality and buy to hold and should yield good dividends in maybe 20 years (small side income). With $BTC (-1,48%) or altcoins I am currently testing myself and trying to understand it better.


The $CSPX (+0,58%) S&P 500 with €500 per month

This is for a possible house construction in 7-10 years. (I am aware of the risk)

On the other hand, I put €50 in the $IWDA (+0,35%) MSCI World for my parents in 10 years when they retire and €100 in the $VWRL (+0,27%) FTSE-all world as a fixed pension. (An additional €200 per month via insurance-linked provisions such as Rürup and private pensions)


The Nvidia position is only so highly weighted because I got in at 104 euros with my nest egg (2.5k). It was a risky move, but as I don't need any big reserves apart from my car, I thought, why not?


Future goal: continue to expand the base with ACWI IMI and NASDAQ, and also add a few individual stocks that are perhaps not so heavily weighted in the existing ETFs. $MC (+1,49%) LVMH $OR (+2,57%) L'Oreal or $MCD (-0,31%) McDonalds, for example


The only thing I'm still wondering about in my first year on the stock market and don't know...tax.

I was thinking of selling the Nvidia nest egg position to take advantage of the tax-free allowance and have the money safely back in my account. The problem is that Nvidia is currently falling sharply. How do you do this or what is your advice? Or would you rather sell some of the ETFs? Thank you very much!

9Posizioni
25.080,46 €
15,69%
9
13 Commenti

immagine del profilo
almost 1000€ savings plans with 21? strong.
I think the breakdown is quite good, but I wonder if you know that all ETFs are 60% the same. Also nasdaq and S&P.

Leads to a very strong US focus, which is fine for me. It's just more risk than adding EM.

I would never sell just for the free cash.
If you want to sell Nvidia, do so, the consolidation will slowly come here too, but perhaps the momentum will return.

Don't sell ETFs just to take the allowance, think about that in 20 years' time.
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@leveragegrinding 650 Euro savings plan, 200€ pension provision also theoretically counts as an investment and otherwise there is another 1000 Euro that goes either into shares or just the basis, i.e. ACWI IMi.
Or what should his first sentence mean, a lot or a little?
Yes, I know that they are the same. But since I'm assuming over 20-30 years, I think they might diversify a bit in the future.
Why exactly shouldn't you use the allowance? I'm still pretty new to this. Many thanks for your feedback!
immagine del profilo
@Maddy-0 A lot! I don't know what you do, but putting away 1000 in addition to studying or training is insane

You can of course use the tax-free allowance, but I wouldn't sell shares just for that :)

For example, you could buy an ETF that pays out dividends so that the allowance is gone and then add the Acc from a certain amount.

like here at @Lorena, she also wrote a post about it I think

https://app.getquin.com/en/activity/CtjdOjCclh
immagine del profilo
@leveragegrinding However, the contribution is not via the lump sum 😅 but via the partial exemption
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immagine del profilo
@Lorena and crap
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@leveragegrinding normally earn just under €2400 in accounting and a part-time job of €200-520 and only have fixed expenses for the car, which is already €3-400. Insurance provision 300 and then there is just under 2k left over. But of course this changes when you move out or build a house
@leveragegrinding But you need a huge amount to fill in the tax-free amount with distributing ones, don't you? In addition, there is also the input tax on the accumulating ones that are still deducted?
immagine del profilo
@Maddy-0 I don't know what you call a huge amount, but in the low 5-digit range it's not bad. You also have the strategy of leaving room for growth - but it all depends on the investment period. Right, you pay the upfront fee on the accumulator, at least at the moment. Finanztip can recommend the video on YouTube
immagine del profilo
fundamentally, nothing has changed at nvidia. i would simply hold or buy more if the stock continues to fall.
just under 13% profit is not the world, especially with taxes and trading fees on top.

i like the rest of the portfolio very much. at the moment we have all-time highs almost everywhere. i would wait for any setbacks before buying or look for undervalued stocks.
e.g.: $UNH is currently badly shaken but fundamentally very strong. i know it's quite expensive and it will take a while until it shines again, but the most important thing on the stock market is time.
you've been there since april and have had good opportunities to get in, but half a year or a year is not time on the stock market... you can be lucky and hit the bull's eye and the share price soars, but these are really lucky moves as a beginner.

for monthly dividends i can recommend reit's. e.g. $O doesn't grow much but you get a monthly dividend - a classic buy and hold stock that you buy and leave forever.
@1Chrischi1 Thank you very much for your feedback!
I have the position twice. Once with 1400 euros at Scalable where ASML is also in it and once with 2.3k because I wanted to improve the "nest egg" amount which is now 400 euros in the plus.
I also found $NOVO B interesting at the moment. Maybe I'll just increase the cash position and sit out the next few months
immagine del profilo
@Maddy-0 Have you invested your nest egg in securities?
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@Metis right. Since I won't need it for the next two years. But the stop loss was set to +-0
immagine del profilo
@Maddy-0 That ... is not what you do with a nest egg. The point of a nest egg is that it is immediately available at any time. And that can only be in an overnight money account or current account, but not in fluctuating investments.
You don't know in advance whether you will need it, which is why it is a nest egg.
It's there to compensate for loss of earnings, for example, if you're unexpectedly made redundant and can't find a new job quickly enough or you have to bridge the gap until the money comes from the authorities and so on. So that you can still cover your fixed costs for a few months without any problems.
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