Hello everyone,
My investment journey began almost 3 years ago. I started my training as a real estate agent and regularly put some of my salary aside.
After that, I set myself a goal: To have 10k deposit at the end of my apprenticeship.
I completed my training in January due to a shortened training period.
Now that I have a "real" salary, I've been able to significantly increase my savings rate ~150 -> ~500€. However, this will only last until September because I will then be studying real estate management on a dual basis and will have a significantly lower salary again.
The 3 years on the stock market were a lot of fun, it was a wild up and down. Initially with typical bad buys like $MPW (-0,41%) or any stock that was recommended on Insta, I then put together my portfolio. Now I've got my portfolio to the point where I want to hold a maximum of 10 positions, with the $ISAC (+0,02%) should always remain the largest position.
A few words about my other positions:
Innodata and Nebius in particular have done extremely well recently. Only my profits are still in Innodata. I will use the other 50% to pay for my flight to my vacation (sometimes you have to treat yourself🙈) I will continue to hold both positions in the long term.
The Alphabet position is a free share from Trade Republic. Can only be sold at Christmas.
I picked up BAT at the end of 2023 and am super happy, even though I know that at my age (22) growth is much more important than dividends.
With Novo, like some here, I'm unfortunately still in the red, but I think the position size and the risk/reward ratio are still okay.
I was also able to achieve a good return with the Space Innovators ETF, even though I got in relatively late. I am considering selling here after the SpaceX IPO, which is just under a month away. What is your opinion on this?
I still plan to save the Ai&Big Data ETF for the long term, as I see it as a must-have for the future.
I also don't think it's a bad idea to add BTC to my portfolio, as I was able to take home a €250 bonus after depositing €1000, which has significantly increased the position.
Lastly, my sinfully expensive VWL savings fund, the Deka Fond, which I unfortunately have to let run. The employer saves €14 here and I pay the remaining €26 to take the full saver's allowance.
So now I should have said something about each position, please give me some feedback. Where were you financially at 22 and what are your tips for the future? :)
