1Mês·

Your thoughts on the potential portfolio

I’m 18, taking my high school graduation exams, have a long-term investment horizon, and am willing to take on a higher level of risk. With Claude’s help, I’ve put together a potential portfolio where I’d like to invest my money, since I’ve saved about 4,500€ through my job and other sources.

Component 1: The ETF Savings Plan as a Foundation

For some time now, I’ve been contributing €120 per month to a FTSE All World ETF and have already built up a base of €720 in it.

• Existing positions:

Microsoft (€515, +28%)

Amazon (€260, +30%) -> considering selling

Sofi Technologies (€245, -2.5%)

HubSpot (€188, -6.4%)

Lemonade (€170, -16%)

Building Block 2: The New Growth Portfolio (€4,500)

For my growth portfolio, I’m deliberately **not** investing €4,500 in other well-known mega-caps that haven’t yet been fully priced in by everyone:

I’m always open to suggestions for improvement and feedback😄

The ETF savings plan remains the actual foundation of my wealth-building strategy—everything else is a deliberately riskier supplement on top of that, not the other way around.

11 Comentários

Global I.@gloinvest

1Mês

Forget about individual stocks and just add QQQ to your portfolio. What nobody is talking about here is that in those US tax-deferred accounts everyone loves to track, rebalancing doesn’t trigger any taxes. Here, every move you make cuts into your returns. The main point of QQQ is that you can weed out the losers and buy more of the winners without incurring taxes.

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Luca@Sogamoi

1Mês

@gloinvest Which QQQ are you saving?

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Echsenkönig A.@Bezehgombjuderstimme

1Mês

It would be too stressful for me to deal with individual stocks. Personally, I’d rather add a well-performing Nasdaq 100 or Information Technology ETF if you want to generate some extra returns. Then throw in 5% Bitcoin, and if you’re up for it, some P2P loans. Then you won’t have to worry about a thing except earning the money to invest 😀

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Echsenkönig A.@Bezehgombjuderstimme

1Mês

@Bezehgombjuderstimme BTW, your Insulet stock is tanking—down 60% over the past year. Stop actively burning through your money on a junk stock like that. Could there be a turnaround? Yes. Would I bet on it in such a risky market? Definitely not, because it could go even lower.

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Echsenkönig A.@Bezehgombjuderstimme

1Mês

@Bezehgombjuderstimme Dude, half of those stocks are total crap. You're betting that all of them have bottomed out. Put them in a test portfolio and see how you would've blown your money...

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MrBora@MrBora

1Mês

Thanks for your reply. Unfortunately, I don't know anything about P2P lending—I'll have to do some reading up on it. I have crypto in Bitcoin and Ethereum; I have a total of about a thousand in there, so that should work.

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Stefan@Da_Fischi

1Mês

@MrBora You're better off staying away from P2P lending—the risk-reward ratio is too lopsided. I just lost almost 4k that way recently 😞

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Echsenkönig A.@Bezehgombjuderstimme

1Mês

@Da_Fischi Wow, how did that happen? Did you have that many outages, or was it something else? I've been with them for just under a year and haven't had a single problem yet. I'm with Mintos and have been very satisfied so far.

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Stefan@Da_Fischi

1Mês

@Bezehgombjuderstimme I am/was with ecoligo because I thought the idea of investing in sustainable solar power projects in emerging markets was great. Everything was fine for the first few years—8–9% interest, and payments were always on time. Then, for one project, the payout was delayed by 3 months, then another 3 months, and suddenly all projects were delayed by 3 months, followed by another 3 months—and so far, there’s still no certainty about how this will all turn out. But I’ve already written off those investments as a loss and removed P2P from my diversification portfolio.

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JP512@JP512

1Mês

Put everything into the FTSE and keep saving

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Maximilian@Max095

1Mês

Great selection 👏

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