Portfolio for early retirement

Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.

First of all, my situation:

I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.

I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.

I follow the following strategy: Buy & Hold

What do I invest in each month?

$IWDA (+0,21%) 234€ per month
$EIMI (+0,37%) 90€ monthly
$SMEA (+1,05%) 70€ monthly
$EWG2 (-1,02%) 65€ monthly
$BTC (+0,66%) : 42€

I also save through VL benefits:

$VHYG (+0,14%) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (+0,87%) .

This brings me to a total of €536. A crooked figure, that's true, but it works best for me.

The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.

My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.

I'd be interested to hear your opinion on this in the comments!

Snopy@Snopy

I like the depot.

$IWDA and $EIMI is a solid basis for a portfolio :)

$SMEA You can do it, but you don't have to. If you want to actively overweight Europe it's ok :)

The only point of criticism for me are the positions below 100€. Especially if you only bought them as a one-off purchase and didn't actively continue to save. What do you want with 78€ in McDonald's if the portfolio is worth more? I would sell them all or continue to save them if you want to keep them.

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Max@MaxNts03

@Snopy Thanks for your feedback! I would like to continue saving at $SMEA, but I'm not sure about the weighting. A little less Europe and divide the rest into $IWDA and $EIMI? You're right about the small positions, $MCD in particular is already small as a single position, and I'm not sure whether I want to increase it. Apart from my mini crypto positions, I would like to increase the rest from time to time

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Marcie@Marcie

Very nice. The sooner you start, the better. Maybe a little less Bitcoin in the portfolio 😀

Dominik@finanzwolf3

Just keep going!
The small individual stocks and mini coins can actually go 😂

What would interest me: what do you use to save the VL and thus the $VHYG? I'm about to switch, I'm currently still with Union Investment (from school days and never changed).

I'm currently with Fidelity. They had a promotion via employer benefits that there are no order costs for the savings plans and the issue surcharge is reduced (now normal with new brokers). The fund was also included as a goodie. You can't look a gift horse in the mouth, I say😂

Portfolio for early retirement?