BurhanAbi (@BurhanAbi) sur getquin

Hello getquin community!

I recently came across this platform and signed up straight away to track my portfolio more clearly. For the most part, entering my transactions worked well, but I had to enter some positions manually, especially my gold savings plans (I use the average price to simplify this). Before I share my portfolio with you and look forward to your opinions and suggestions for improvement, I'd like to briefly introduce myself:

My name is Burhan, I'm 29 years old and I come from a town in North Rhine-Westphalia. I work in the insurance industry and am completing two part-time degree courses at the same time (because free time is overrated 😉):

Business economist for financial services (until January 2025)
Business administration with three specializations (until April/May 2025).

My way into the world of (small) investors:

I started investing - or rather, trading and chart analysis - when I was 18. Back then, I invested small amounts in leveraged products such as the DAX or WTI oil. Although I made more profits than losses during this time, I learned an important lesson: it is crucial to regularly check take-profit and stop-loss levels in order to avoid capital losses.

However, I only started investing for the long term in 2019. My first step was a savings plan with EUR 25 per month in a fund from Deka ($D6RM (-0,06 %) ) - the first dividend I received was a small sense of achievement for me. Later came savings plans for individual shares ($LHA (-0,14 %) and $SHA) and commodities ($965515 (+0,66 %)) were added. I also used my employer's capital-forming benefits (EUR 40 per month) to further expand my investment in the Deka fund.

My current investment strategy:

Over the last few years, I have tried out and learned a lot and finally developed my personal strategy:

1. basic ETFs:

With the $VHYL (-0,73 %) and the $FUSD (-0,98 %) I would like to create a stable foundation.

2.
Individual shares:

Here I deliberately focus on non-US companies (with a few exceptions) in order to diversify my portfolio and reduce the US dominance somewhat.

My selection criteria for individual stocks:

At least 30 % share price growth in the last 5 years.
At least 10 years dividend history.
Dividend yield of either:

- approx. 1 %combined with an average dividend increase of 10 % over the last 5 or 10 years, or

- approx. 2,5 %combined with an average dividend increase of 5 % over the last 5 and 10 years respectively.

For example: $MS (-2,68 %) / $GGG (-0,91 %) / $CS (-1,46 %) / $ASML (-1,43 %) / $MUV2 (-1,75 %) / $CNQ (+1,52 %) / $MC (+0 %) / $TKA (+0,25 %) / $DHL (-0,29 %)

3. Gold:

My gold savings plan is still running because diversification is important - and a little sparkle in the portfolio never hurts.

4. Cryptocurrencies:

The proportion is deliberately low and I plan to concentrate only on $BTC (+0,06 %) in the future. Everything else will probably be dropped soon.

5. Cash:

Part of my capital is in a call money account so that I can react flexibly to opportunities or unexpected events - who knows when the next dip will come.

The aim of the asset class allocation:

- 37.50 % ETFs

- 37.50 % individual shares

- 10.00 % commodities

- 5.00 % cryptocurrencies

- 10.00 % Cash

In addition, a good deal is currently underway to buy real estate (purpose: rental) - I am still curious.

I hope my first post wasn't too long and that you've made it this far! 😉 I look forward to your feedback, opinions and tips - keep them coming!

Julian@MoneyISnotREAL

What were your reasons for taking the $VHYL over the $VWRL, for example?
see: https://getqu.in/uJXyEn/

I would switch directly to the Deka fund. Costs far too much.
You can also invest your capital-forming benefits in ETFs via brokers (e.g. OskarVL, Finvesto, Ginmon, ...).

If you want to reduce your US share through individual shares, why do you have the $FUSD instead of the globally investing counterpart?

With $CS you have the "problem" with the French withholding tax.

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BurhanAbi@BurhanAbi

Thank you for your feedback! I already sold part of the Deka fund at the time and invested in other positions. It was a big mistake at the time because I wasn't aware of the very high fees (issue price and management costs) at the time. That's why the fund hasn't been invested for years, but the remainder has been blocked for 7 years due to the capital-forming benefits - I'll have to be patient.

$FUSD I deliberately chose $VHYL as my second ETF with a lower weighting. I also want to be invested in quality US companies (e.g. Nvidia, Apple, Microsoft etc.), but not as individual stocks. I have the $VHYL to be invested worldwide (also in Japan, England, China, Taiwan etc.). With the combination and weighting, I ensure that there is a sufficiently good basis and that my US weighting is around 60% and the rest of the countries around 40%. I will continue to reduce the USA weighting in future through targeted (additional) purchases.

In my case, $VWRL was out of the question because there were many overlaps in the Top10 with $FUSD (e.g. Nvidia, Apple, Microsoft, Broadcom) and the USA share was higher again, which in turn would mean that I would have to buy even more individual shares or a separate ETF for Europe. So restructure again, although the latter has to happen anyway.

PS: Unfortunately, the regulation regarding withholding tax is different in every country and must be reclaimed by applying to the destination country. The effort would probably only be worthwhile for large amounts.

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Presentation: My experience, strategy and portfolio allocation