My personal getquin profile!

Who are you?

Sometimes worrying about the future, wondering if you'll ever earn enough or be able to live the life you've dreamed of, gets mighty over your head. For me, the problem came to the point where I almost wanted to throw in the towel and give up on all my goals. "Own house, two vacations a year, motorcycle and car in front of the house - I will never earn that much money anyway". Especially since, at 26 years old and with a long teaching degree, I saw the prime of my life flying by.

Then I started looking into investing and frugalism. What would happen if I reduced my living expenses, taking out the pressure of having to earn insane amounts of money at some point? I could invest the money I saved well and make it work for me. This was an absolute gamechanger. The stress I put on myself is gone, I enjoy my job as a teacher again, and I'm more motivated than ever to throw myself fully into life. There is now more time and money for my passion of traveling and the dream of a converted campervan is within reach. When I'm not reading books about finance, I like to get out into nature and pursue outdoor hobbies like mountain biking and hiking.

As a trainee teacher for sports and mathematics, I can also use my interest in teaching other people in other areas and share my experiences on frugalism and investing on YouTube.

(Youtube: Frugal zum Glück, Instagram: Frugal_zum_Glueck)

When did you start investing?

I celebrated my one-year debut in February and am incredibly happy to have started investing. On the one hand, this step showed me what an incredibly cool topic money is, and on the other hand, it made clear what young people in particular can achieve with just a little capital. Since then, I've been encouraging everyone around me to put a few euros aside and use the long investment horizon to their advantage - whether it's €10 or €150 a month, it doesn't matter.

What is your investment strategy?

At first, I went for individual stocks. I followed the trend of the masses and invested in dividend stocks. At some point, so-called growth stocks were added and after about 4-5 months, my portfolio resembled a pile thrown together - free of any strategy.

It took me 9 months to admit my arrogance as a young shareholder and turn my focus to conservative, passive investing. Now I'm investing in four ETFs, which don't promise explosive returns, but do relieve me of a lot of work and sleepless nights.

What is your secret tip or a sector/stock that you currently like?

My secret tip is to steer clear of trends and invest broadly. Of course, this means we miss out on the "fast track to riches", but we are also much less likely to fall flat on our faces. My motto is therefore: invest passively in ETFs, take a few crumbs of every hype and watch from the sidelines with popcorn when oh-so-safe trends flop.

What was your biggest investment blunder?

Fortunately, so far I have no memorial in my portfolio to remind me of a bad investment. I'm sure that's because I follow a simple rule: when the Bild newspaper talks about stocks, it's time for the "experienced" stockbroker to back off. By that, I in no way mean that I' m experienced. However, in the case of certain industry hype, such as the hydrogen or cannabis boom, the idea has certainly been able to protect me.

What does your portfolio currently look like?

I have chosen this ETF composition because it has a good risk-return ratio for me. With the FTSE Developed World, I cover countless shares of solidly performing industrialized countries. This ETF is my rock. To profit from emerging markets, I also invest in an emerging market fund, which also comes from the FTSE forge.

Since the FTSE Developed World includes so-called large and mid caps, but I definitely want to profit from the growth of smaller companies, the iShares S&P Small Cap 600 is a great addition.

Lastly, I try to increase the return a bit by investing in the 100 strongest stocks traded on the NASDAQ via ETF.

The allocation is:

65% Vanguard FTSE Developed World UCITS ETF - USD DIS


17,5% Vanguard FTSE Emerging Markets UCITS ETF - USD DIS


8,75% iShares S&P SmallCap 600 UCITS ETF - USD DIS


8,75% Invesco Markets III plc-EQQQ NASDAQ-100 UCITS ETF - USD DIS

WKN: 801498

You can find my Portfolio here!