Portfolio for early retirement

Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.

First of all, my situation:

I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.

I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.

I follow the following strategy: Buy & Hold

What do I invest in each month?

$IWDA (-0,95%) 234€ per month
$EIMI (-1,25%) 90€ monthly
$SMEA (-0,79%) 70€ monthly
$EWG2 (+0,19%) 65€ monthly
$BTC (-1,05%) : 42€

I also save through VL benefits:

$VHYG (-0,71%) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (-0,77%) .

This brings me to a total of €536. A crooked figure, that's true, but it works best for me.

The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.

My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.

I'd be interested to hear your opinion on this in the comments!

Snopy@Snopy

I like the depot.

$IWDA and $EIMI is a solid basis for a portfolio :)

$SMEA You can do it, but you don't have to. If you want to actively overweight Europe it's ok :)

The only point of criticism for me are the positions below 100€. Especially if you only bought them as a one-off purchase and didn't actively continue to save. What do you want with 78€ in McDonald's if the portfolio is worth more? I would sell them all or continue to save them if you want to keep them.

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Max@MaxNts03

@Snopy Thanks for your feedback! I would like to continue saving at $SMEA, but I'm not sure about the weighting. A little less Europe and divide the rest into $IWDA and $EIMI? You're right about the small positions, $MCD in particular is already small as a single position, and I'm not sure whether I want to increase it. Apart from my mini crypto positions, I would like to increase the rest from time to time

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Marcie@Marcie

Very nice. The sooner you start, the better. Maybe a little less Bitcoin in the portfolio 😀

Dominik@finanzwolf3

Just keep going!
The small individual stocks and mini coins can actually go 😂

What would interest me: what do you use to save the VL and thus the $VHYG? I'm about to switch, I'm currently still with Union Investment (from school days and never changed).

Portfolio for early retirement?