As a non-premium member for several years and a profile stalker from the very beginning, I remember a post with the aim of receiving individual and high-quality feedback on your portfolio if you stick to a few basic steps. Now I think it's time to put this into practice for myself.
The idea for this approach came from some random jackass (@DonkeyInvestor ) who has been hanging around here forever. Imitation clearly recommended 😉. Here we go:
Investment horizon and goal
I am currently 34 years old, a house builder and father of two. My investment horizon is therefore long. I would even say that there is no time limit for me, as I now enjoy investing money and I always try to put more or less into my portfolio depending on the situation.
My goal is to make the remaining payment on the house in 16 years and build up a good cushion until I retire so that I can continue to live sensibly, continue to invest and bequeath a little.
Strategy and reason for the securities in the portfolio
The strategy can be described as a classic, equity-based core-satellite strategy, whereby my satellites are mainly dividend stocks. These are selected stocks that represent a low risk for me and should bring me a little cash flow every month as an addition to the monthly savings installment in the core ETF. (Good ideas for the stocks can be found at @Simpson or @GoDividend 🙂)
All stocks are capped at €1000, i.e. each dividend stock is saved with a savings plan/one-off payments up to a maximum of €1000. After that, a new one moves in. The securities that are in the red by up to approx. 30% over 1-2 years are sold. If a security doubles in value, the stake is taken out and reinvested in the core. The whole thing is perhaps not absolutely necessary, but I personally don't enjoy it that much without individual titles and I allow myself a little bit of playing around.
The core currently consists of the $VWRL (+0,13%) for well-known reasons. The overall market is performing continuously and upwards in the long term. Simple and straightforward and a good anchor for me, even if the USA is overweight. It doesn't matter to me and, like so many things, is only a temporary phenomenon.
With $NU (+0%)
$IREN (+10,84%)
$SOFI (-1,01%) and $LMND (-0,58%) the portfolio contains higher-risk stocks that I hope will generate above-average returns in the longer term and the proceeds can be reallocated to the core. In other words, gambling stocks as potential boosters for the core. As I have less time for research myself, I am grateful for the valuable contributions on the stocks from @Multibagger
@BamBamInvest
@Tenbagger2024 and @Derspekulant1 very grateful.
As a diversification to all this $EWG2 (-0,33%) and $BTC (-3,41%) / $XRP (-5,46%) / $ADA (-8,16%) other asset classes are included in small proportions for pure diversification and as a momentum booster for the portfolio. After all, you have to be a little bit prepared for everything in order to profit. $XRP (-5,46%) and $ADA (-8,16%) will be shifted into BTC in the long term, as I have less confidence in the long-term stability and performance here. $EWG2 (-0,33%) is chosen out of convenience (thanks to a great post on gold from @InvestmentPapa) as I have no desire to buy physical gold anywhere, nor do I want to have to store it in a high-security wing. The cost of a quality safe alone is worth the spread in my opinion.
Plan for expanding the portfolio
The ETF is mainly built up with 80% of my savings rate, 20% flows into the individual securities. As mentioned above, profits from shares or the mixed assets are realized from time to time and added to the core, as a kind of booster. The proportion of dividend stocks is built up in small steps and adjusted depending on losses or gains. This keeps the number of stocks at a relatively constant level and the one or other new stock maintains diversification among the individual stocks. Stocks with more risk should be added with a maximum of 5 positions. This is always an option but not a must.
Gold is saved selectively in favorable periods. Nothing is currently invested in crypto, perhaps also at a favorable time via one-off payments in BTC.
No-go in the portfolio
Actually bonds. I like to diversify, but they're just too boring and tedious for me. And I honestly have no idea what criteria are used to select them and what returns can be expected. I also don't think much of leveraged shares or ETFs. That's too much risk for me with my private background.
So now I'm looking forward to your opinions, criticism and suggestions!
Credit Scene
I would like to say a big thank you to the community, which helps me make progress here every day. Be it informative, funny or full of ideas. I have read so many posts here with interesting investment ideas, benefited from high-quality stock presentations, seen calculations for profit maximization or tax advantages and learned about strategies from which I could learn. I was able to pick a piece of every pie and make my own.
Alone it is hard, together it is so much easier. Thank you very much!
