Hi everyone,
I often read posts here where people ask for feedback, but the story behind them is missing. That’s why today I’d like to share my own portfolio—and my story—in a completely transparent way.
A little about me:
I’m 31 years old and have been active on GQ for quite some time. My current net worth of just under 1.28 million euros is the result of my own hard work. Even as a child, I would occasionally try out potentially profitable business ideas on the side to earn some money—and six years ago, I took the plunge into self-employment.
I now have two companies in different industries. It became clear to me quite early on that I needed a high, recurring active income if I wanted to build up a certain level of wealth, so I left my full-time job fairly early on.
For the next 12 months, I’m planning on a monthly income of approximately 30,000 euros. In addition, I naturally have recurring income, which can fluctuate up or down over the long term.
My goal is to continue growing this wealth prudently so that I can eventually live entirely off the dividends. Currently, for tax reasons, I hold portions of two stocks ($MSFT (-0,5%) and $NOVO B (-0,27%) ) are held as individual positions in my holding account, and the rest is held in my personal account.
My Strategy and the Core of the Portfolio
I follow a classic core-satellite approach. The core—which I intend to use later as a kind of pension substitute—consists of two ETFs: the $HMWO (-0,37%) and the $QQQ. (+0,72%) I’m aware that these two holdings overlap; I continue to contribute to both monthly via a savings plan.
The individual stocks and my problem children
When it comes to individual stocks, I look for a combination of long-term trends and reliable cash flow. On the one hand, I deliberately overweight tech stocks and future classics such as $MSFT (-0,5%) , $GOOGL (+0,89%) , $NVDA (+1,14%) , $META (-2,33%) , $AMZN (+1,11%) and $AAPL (-0,53%) , because I am firmly convinced that these industries will continue to perform well in the coming years.
For my dividend strategy and the necessary cash flow, I’ve invested in quality stocks such as $ALV (-1,79%) , $MUV2, $NOVO B (-0,27%) and $UNH (+0,31%) in my portfolio. This is complemented by classic dividend-paying stocks such as $BATS (-0,49%) , $SIE (-0,71%) , $ARCC (-1,1%) and $O (-0,9%).
But let’s be honest: values like $MPW (-7,22%)
$PYPL (-0,97%) , $BAYN (-2,14%) or gambling $LILM aren’t performing at all as once hoped.
In the crypto sector, $BTC (+0,55%) as the largest holding, along with a small amount of $SOL (-1,28%) and $XRP (+2,18%) the whole thing—in the future, I’ll consolidate everything into the position $BTC (+0,55%) and add a little $4GLD (+1,09%) to it.
What’s Next
At the end of this month, I’m expecting a large incoming payment of around 50,000 euros. I’d like to split the amount and invest it both in the $HMWO (-0,37%) as well as specifically into my dividend stocks to further strengthen the foundation.
The goal is to reach a portfolio value of 1.5 million by the end of the year.
Feel free to share your thoughts—I look forward to the discussion :-)
