Today, I wanted to share my experiences since I made my first investments.

To start with: I’m 39, and my interest in the market began in August 2023.

My professional expertise lies primarily in product development and nuclear engineering.

I have two college degrees (in engineering with a focus on product development and radiation protection engineering) and two vocational certifications as an automotive mechatronics technician and a radiation protection specialist. After seven years working in product development, I left that field entirely and currently work in radiation protection at various nuclear facilities and power plants worldwide.

With an eye toward retirement: Previously, I had my money invested—5 years with Targobank and 3 years with DVAG/Generali—through unit-linked pension insurance policies. The result was a loss of 40% of the invested capital, plus termination costs of approximately 30%.

So I started doing my research. Like many others, I initially had little experience in the industry and started by investing a few euros in some no-name companies. At a loss.

I read up on the subject and quickly found my way to Getquin. I tried different approaches back and forth and, of course, also listened to “Trust me, bro.” With losses.

Now I’ve gained enough experience and found the ideal strategy for me: diversification, but not at the expense of performance.

Savings plan: €350, increased annually.

Investments in companies: €10 each

BlackRock $BLK US Banks

Exxon Mobil $XOM (+0,98%) US Oil

RWE $RWE (+0,41%) Utilities (Germany)

Realty Income $O (+0,66%) Real Estate (US)

Cameco $CCO (-2,11%) Uranium CA

P&G $PG (-0,64%) Consumer Goods US

Heidelberg Materials $HEI (+0,58%) Building Materials (Germany)

Petrobras $PETR3 (+1,38%) Oil BR

Stellantis $STLAM (-2,76%) Automotive NL

Siemens $SIE (-1,71%) Consumer/Energy DE

Johnson & Johnson $JNJ (+0,53%) Healthcare US

Walmart $WMT (-0,5%) Retail US

Allianz $ALV (+0,56%) Insurance DE

Linde $LIN (-1,41%) Gas/Hydrogen DE

Henkel $HEN (-0,07%) Consumer Goods DE

SAP $SAP (-1,24%) Software (Germany)

Infineon $IFX (-0,2%) Chip Manufacturer DE

Visa $V (-1,55%) Payment Services US

BASF $BAS (+0,17%) Chemicals DE

Rheinmetall $RHM (+2,1%) Automotive/Defense DE

Telecom $DTE (+0,99%) Telecommunications DE

ETF: €70 each

Xtrackers Nasdaq 100 $XNAS (-1,28%)

iShares MSCI World IT $WITS (-1,18%)

US: 56.3% DE: 29.2% NL: 3.7% BR: 3.5% KA: 3.5% JP: 1.2% Rest: 2.6%

Broker: Switched from SC to Zero.

I’m currently too lazy to manually enter everything into the Zero dashboard in Getquin.

Strategy: Buy and Hold

I also invest between €2,000 and €6,000 2–3 times a year in addition to my savings plan.

Furthermore, I actively use Solana crypto (partially staked) and reinvest the profits in additional stocks or increase my holdings.

Why not Bitcoin: In my opinion, Solana has consistently outperformed Bitcoin to date.

Strategy: Time to Market

Investment horizon: at least 15 years

In the medium term, I’ll also open a corporate brokerage account and implement the savings plan strategy there as well.

In the long term, I’ll stick with €1,500 in crypto. However, my holdings of ETFs and stocks will increase.

I’d really appreciate your feedback.

Best regards,

Adrian

KevinE@KevinE

2Ano

35% crypto - that sounds bold to me, to say the least. If you know what you're doing, there's nothing wrong with that. For me personally, it would be nothing. What I would be interested in: what is your long-term goal and how do you plan to achieve it?

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MrMister@MrMister

@KevinC In the long term, I would like to get a good mix of performance and dividends. The savings plan is currently running at around 4% dividends. Unfortunately, I can't display this at the moment (zero only works manually and I'm too lazy for that) In the longer term, the amount of €1500 remains in crypto but the holdings in Etf and shares will increase over time.

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@MrMister I would definitely reconsider the savings plans of €10 per month and share. With Blackrock, it will probably take longer than 5 years to acquire a single share. I think that will quickly become too small-scale. I think I would tend towards savings plans of no less than €50/month, but then just more selected stocks. Or simply consolidated in an ETF.

@KevinC Thank you for your feedback. That was my initial idea too. But the savings plans will increase over the next 2 years. I will gradually increase the savings plan by a factor of 6. This will bring my monthly savings rate to around €2100 in 2025. The decisive factor for me was to get a mix of growth and dividends. Unfortunately, I haven't found an ETF that offers me this service and I've done a lot of research into the companies. Maybe I'll add my professional expertise to the description. Thank you.

@MrMister schau dir mal $GGRP an. :)

@KevinC I have already come across this. According to my investment plan, the performance should be well above that and the div should be around 3-4%. I'm going to do this for a year and then give feedback.

chwinnefeld@chwinnefeld

Moin, if you mean Finanznet Zero, every purchase under 500EUR costs a fee of 1EUR. With 10EUR in the savings plan, that's 10% costs. You can reduce this massively with higher savings rates.

@chwinnefeld Share savings plans cost EUR 0 with Zero. These costs are therefore eliminated.

@MrMister Ah okay! Thanks for the info😊

Nico@Birnenpfluecker

Hi, sounds like a plan, what is your goal?

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@locothepoco Thank you Leo. A certain amount of diversity is important to me. But not at any price. So I have looked at companies outside the Nasdaq that meet my expectations/criteria. However, my focus currently remains on the tech, blockchain, AI and nuclear sectors.