Hey everyone 👋🏼

I'm 22, in my second year of training as a mechatronics technician for refrigeration technology and have been working intensively on the topic of investing for a good year now.

I currently earn around €820 net per month, although I usually earn more due to overtime and assembly work. It's not the world, but I wanted to learn early on how to make more from less. My goal is to reach the €10,000 deposit mark by the end of 2026.

I'm currently at just under €5,000, which is a pretty proud milestone for me.

📈 My savings plan runs at €100 a month - split into two versions. However, I usually try to invest additional small sums in individual stocks when opportunities arise or I deliberately buy more.

Why exactly these shares and ETFs?

I deliberately opted for a mix:

Long-term trend + future sectors

$IWDA (+0,73%) MSCI World (ETF): The solid basis. Broad diversification, global economy, buy & hold...no experiments.

$AMD (+4,94%) AMD & $NVDA (+1,56%) Nvidia: AI, chips, data centers the backbone of the digital future. Started getting in here early.

$ILMN (+0,79%) Illumina: Exciting biotech company in the field of genome research. Risk but also huge future potential.

$PATH (+8,6%) UiPath: For me, process automation is an often underestimated game changer.

$TTWO (+0,84%) Take-Two Interactive: Gaming has been with me for a long time. GTA6 is just around the corner. There's a lot of fantasy going on here.

$ALB (+9,46%) Albemarle: Raw materials for batteries (lithium) is another sector that can benefit greatly from e-mobility.

My strategy in the event of fluctuations:

I'm not a fan of panic or FOMO.

When prices rise: I rejoice but don't get cocky.

When it crashes: I take a deep breath, analyze and usually stay invested or stock up.

I learn with every setback.

I see my portfolio as my long-term project and not as a short-term gamble.

What investing has changed for me:

It may sound cheesy, but:

I've been spending money more consciously since then.

I think twice more often about whether I really need something and what it means for my goals in the long term.

And that feels good.

I'm excited to see how the next few months develop. 📆

And if any of you are pursuing similar goals or strategies - I look forward to sharing!

A few days ago I made the mistake of buying a short on AMD.

Today the plan could work out, but my short is already very close to being knocked out.

DE000VD0EHW0 $null (-71,37%) I have this in my portfolio and am currently down around 40%. The KO is at 245 $. My fear is that, although the day could go as I have drawn it, the KO could be triggered between 15:30 and 16:00 due to the volatility. That's why I'm thinking of selling this bond at a loss of around €350 (to secure the tax advantage🤪) and switching to a bond with a k.o. distance is above $260. I would have chosen the following bill for this purpose.

DE000UQ0T1A5 $null (-69,68%) the leverage would be minimally lower, the spread is narrow and the knockout at just under $260. This would allow me to get through the volatile phase at the start of trading more safely and, if I am slightly mistaken, I could certainly hold the bond for a few more days, as the correction should actually already be taking place... And I would also have a lower tax burden on the subsequent profits because I would sell the first bill at a loss.

Where is the error in thinking? What do you think?

Exceptionally at Trade Republic, because someone wanted to empty the loss pot 🙈

$AMD (+4,94%)

$TTWO (+0,84%)

At the beginning of next year, Rockstar Games will release the long-awaited game GTA 6. Do you think it makes sense to buy the share for this reason? $TTWO (+0,84%) share for this reason?

PS:

If you have any coins left, you can donate them to me in the comments, as I would like to buy Getquin merch with them.

I have sold 100% of my $TTWO (+0,84%) of my position. I got out with a plus of 60%. The share has been running pretty hot, with a slight gain recently due to the EA takeover. Take-Two can certainly rise further, but it hasn't been cheap for a long time. I was satisfied with my profit and am now allocating the money to other shares or ETFs.

I am currently of the opinion that I am in a good position with my investments for the current status. (approx. 1 year of investing)

Now to the individual stocks! 🧐

My main ETF $IWRD (+0,65%) :

Currently, the iShares MSCI World is my biggest stock - but also my biggest problem (at least in my opinion). It's currently too much of a cluster risk for me, as I'm invested in North America with around 55%. 😣

My second ETF $XMME (+0,65%) :

I try to minimize this cluster risk with this ETF. 70/30 strategy... 😛

The China giant $1810 (-2,62%) :

As I really like the current status of the company, I am following developments with interest and the purchase price was very attractive for my financial means, I bought it. With satisfaction. Of course, I also did it to further minimize the cluster risk. So... hopefully I'll be able to sell at a profit at some point! 😇

A bigger gamble $TTWO (+0,84%) :

Well... what can you say... GTA 6 will probably blow everyone away. Of course, I'm aware it's only a small percentage, so either pay the lesson or get lucky. ☘️

My first solid stock with dividend prospects $KO (-0,03%) :

Everyone knows it, everyone has bought it. There's nothing to say about CocaCola. 🥤

My second solid div. stock $SHEL (+0,16%) :

I was able to get in cheap, the company is huge and stable. ⛽️

The bank share $DBK (+0,66%) :

I'm with DB, extremely happy with it and was able to strike it cheap at the time. So far it's done quite well and there are always a few dividends! 💰

And finally... the more or less ugly duckling $SLI (+2,12%) :

The little gamble that turned into my first doubling. One can only hope. Stability is not exactly the hobbyhorse. 🦆

And now for my future thoughts!

I am currently interested in $DTE (-1,27%) (approx. worth €300-400) and letting them run with a savings plan. On the one hand, of course, to further balance out the cluster risk and on the other hand, to somewhat delimit the Asian theme.

My next consideration is $CL (-0,84%) as it currently has an interesting entry price.

$BNTX (+0,61%)
$KSPI (+1,09%)
$HIMS (+2,73%)
$MELI (+0,76%)
$PLTR (+2,13%)
$DRO (-1,85%)
$IFX (+0,1%)
$9434 (-0,89%)
$FR0010108928
$DHL (-0,08%)
$BOSS (+0%)
$CONTININS
$DOCN (-1,27%)
$LMND (+1,4%)
$BP. (-1,13%)
$FRA (-0,63%)
$PFIZER
$SNAP (+0,6%)
$AMD (+4,94%)
$SMCI (+0,3%)
$OPEN (+14,09%)
$CPNG (+1,19%)
$LCID (+0%)
$CBK (+1,31%)
$ZAL (-0,4%)
$NOVO B (+0,05%)
$VNA (+0,04%)
$BAYN (+0,48%)
$UBER (+0,29%)
$SHOP (+3,82%)
$MCD (-0,47%)
$DIS (-1,09%)
$ROK (+0,11%)
$ABNB (+0,87%)
$RUN (+5,96%)
$FTNT (+1,06%)
$O (-0,07%)
$DASH (+1,45%)
$DUOL
$S92 (+4,36%)
$DDOG (-0,26%)
$SEDG (+6,85%)
$QBTS (+3,72%)
$RHM (-0,88%)
$DTE (-1,27%)
$ALV (+0,31%)
$LLY (+1,24%)
$CYBR (+1,13%)
$PTON (+1,74%)
$DKNG (-5,04%)
$RL (-0,01%)
$PINS
$TTWO (+0,84%)
$TWLO (+1,86%)
$MNST (+0,05%)
$STNE (+2,36%)
$MUV2 (+0,44%)
$WEED (+1,58%)
$GOOS (+0,69%)
$PETR3T
$ANET (+0,21%)

✅ I took profits today from Amazon $AMZN (+1,86%) , Microsoft $MSFT (+0,79%) and NVIDIA $NVDA (+1,56%) realized.

📥 This money was directly reinvested to strengthen dividend and future stocks.

💸 Newly invested (one-off purchases today):

• Take-Two Interactive $TTWO (+0,84%) - (future play with GTA 6)
• Shell $SHEL (+0,16%) - (energy + dividend)
• BYD $1211 (-0,26%) - (growth China/E-mobility)
• Procter & Gamble $PG (-0,28%) - (stable dividend, consumer goods)
• Allianz $ALV (+0,31%) - (high dividend, defensive)
• McDonald's $MCD (-0,47%) - (dividend aristocrat + consumer)

📆 Savings plans from August (monthly):

• Johnson & Johnson $JNJ (-0,75%)
• 
  Realty Income $O (-0,07%)
• 
  FTSE All-World High Dividend Yield ETF $VHYL (+0,22%)
• 
  S&P Global Dividend Aristocrats ETF $ZPRG (+0,43%) (one-off)

➡️ Goal: More passive income through dividends & better balance in the portfolio between tech and defensive stocks.

🧠 Long-term oriented, with a clear focus on quality, stability & growth.

What do you think?