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Felix
@fxlixx
1Anno·

Hey :)

I'm no longer completely new to getquin, but I've never really received or asked for detailed feedback on my portfolio before. Now, at the end of the year, I'm taking the time and looking forward to your answers.


I am currently still 17 years old and therefore still have a lot of time before I retire. Despite my desire to be financially independent as early as possible, my aim is therefore to achieve long-term, sustainable growth without having to restrict myself too much financially.

My portfolio is based exclusively on ETFs, as I neither have the desire nor the time to invest in individual companies. Of course, this is also possible without a lot of time, but then combined with a lack of knowledge - not my goal. Instead, I use 3 ETFs to achieve global diversification and thus minimize risk. With the $EMWE (+0,13%) I form the basis and invest in the MSCI World. My portfolio is supplemented with the $XZEU (+0,31%) to strengthen the European share and with the $EMSRI (+0,79%) so that emerging markets are also represented in my portfolio and a US cluster risk is reduced as far as possible. What all three ETFs have in common is that they follow ESG and SRI criteria. There are certainly different views on how sensible this is in the end - but I personally feel more comfortable with these investments, which are at least greener.

In future, I would like to steadily increase my current savings rate of around 50 euros per month as my income grows. The percentage distribution of my savings rates per ETF should be based on the 50 / 30 / 20 or 50 / 20 / 30 model, even if the actual percentage distribution in my portfolio currently looks different. However, I don't see any need for rebalancing at the moment - what is doing well can continue to do so; what is doing badly doesn't have to take up a larger share. In future, too, I would prefer to focus on safer, lower-risk forms of investment and not on "good luck" gambles.


Please let me know your thoughts on all this. What do you think is good? What would you do differently?



Guarda il mio Cruscotto ora!
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15 Commenti
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Epi@Epi
1Anno
First of all, kudos to you for entering the stock market early and for your reflexive approach to investing. In principle, you can continue like this until you reach financial freedom.

A thought for inspiration: in my opinion, your diversified passive strategy is more suited to an investor who is in the middle of life, around 30-50. Because you still have so many years left, your risk of return succession is very low, i.e. you could and should take higher risks. This makes sense because you have to reduce the risk a few years before the payout because of the above-mentioned risk of return succession and this is the only way to achieve the total market return.

What do I mean by more risk? I mean assets or ETFs that are more volatile but promise higher returns in the long term. These include, for example, tech $CSNDX, small caps $SPYX, crypto $BTC. These could be added to a $ACWI with 30%. That would give you returns and security.

In any case, good luck and always remember: the best returns still come from your own education! 🚀
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Felix@fxlixx
1Anno
@Epi Thank you very much for your feedback! I'm unsure about the higher risks in that my monthly savings installment is still quite limited at the age of 17. Investing in these ETFs from this rather small amount is just a question. Perhaps it would be better to wait until my savings rate is a little higher?
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Epi@Epi
1Anno
@Felixxxx Why do you think that your optimal risk profile depends on the savings rate? The relevant factor is the distance to the payout phase.
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Felix@fxlixx
1Anno
@Epi Yes, but doesn't it make more sense to build up a kind of low-risk basis first and then try things out later?
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Epi@Epi
1Anno
@Felixxxx This may be what intuition and the older gentlemen (who prefer to invest with less risk themselves) say. The figures say the exact opposite.
Or to put it another way: when in your life do you have a better opportunity to sit out losses and exploit gains with compound interest than when you're young? Objectively speaking, your risk tolerance decreases with each passing year.
There are even scientific articles that show that you should invest with leverage in the stock market at a young age if you want the optimum risk/return profile.
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Felix@fxlixx
1Anno
@Epi Do you have any articles for me? :)
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Epi@Epi
1Anno
@Felixxxx Hier mal einer, einfach googeln, dann findest du den Download: Leverage for the Long Run
A Systematic Approach to Managing Risk and Magnifying Returns in Stocks Michael A. Gayed, CFA
2016 Charles H. Dow Award Winner Updated Through December 31, 2020
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Felix@fxlixx
1Anno
@Epi Thank you!
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Gomerdoc@Gomerdoc
2Mes
You're doing it just right! Never stop saving and increase your savings rate whenever you can: And don't touch your ETFs, even if the new car or something else beckons. Nothing beats the index in the long term, absolutely nothing. Not even leverage or anything else. Just one thing: get rid of Daimler Benz "asap". They build good cars, and the company is sound, but absolutely unsuitable for long-term investors: No share price development, dividend questionable... Buy McDonalds instead, eat at your own company from time to time and enjoy the success over the decades....
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1Anno
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Kevin E.@KevinE
1Anno
@California_Dreamin I would subscribe to that exactly. Your greatest return potential lies in your education and your long investment period. If you have that much time (a relaxed 40 years), you will inevitably achieve a high relative return.

I think it's a good idea to increase the €50 as soon as you can without any restrictions. But of course this will take time and the most important thing for you now should be school, training and/or studies.

In my opinion, 40 years (i.e. at the start of your working life) is a really good investment period. Compound interest really has the opportunity to "show what it can do".

You've thought about the ETF itself and if that's right for you, it's definitely a good fit!

For me, Europe would be a little too heavily weighted, but of course I could be wrong.
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Felix@fxlixx
1Anno
@California_Dreamin Thank you very much for your feedback, and a happy new year to you too!
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Felix@fxlixx
1Anno
@KevinC Thank you very much and happy new year! 🎆
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1Anno
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Felix@fxlixx
1Anno
@Rendite-Roy Thank you very much! :)
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