2Sem.·

Depot roast

Hi dear community!

I would like to hear your feedback.

I currently have a savings rate of 2k per month and am building up a cash position (at 2k currently).

The following positions are saved via a savings plan:

$VWRL (-0,54 %) 100€ pM

$BTC (-0,45 %) 100€ pM

$JEDI (+1,84 %) 100€ pM

The remaining €1700 is therefore available for individual purchases.

As an example, I am currently waiting for an entry point at $NU (+0,85 %)

A quick word about me... In my mid-30s and neither getting a euro nor any financial intelligence "from home"... Social cases, alcoholics, drugs etc.

My big goal is to be financially free and currently I still have a condominium (~280k € value, bought very cheaply - luck!) which still has to be paid off with ~9k €. That means the project will be completed in 2025.

In the future, I don't want to live such an ascetic life and buy myself something nice from time to time.

Thanks for your great contributions here and the community :)

Regards

Tobi

22 Commentaires

2Sem.

Congratulations on your successful step towards freedom!

The performance of your portfolio is still not great. B&H ACWI would have easily beaten you.

Have you ever thought about strategy diversification? You are slowly getting to an age and a portfolio size where a systematic reduction in risk could be relevant.

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Tobi@Tobiwankenobi500

2Sem.

$ACWI you mean?

Yes $EL has massively depressed performance...
Too many individual stocks instead of investing more in the world I think...

As diversification I have included $IGLN and $BTC or do you have a concrete suggestion? Thank you very much!

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Epi@Epi

2Sem.

@Tobiwankenobi500 Yes, I mean the ACWI.
By diversification I didn't mean asset class diversification, although that is also important in the right amount.
I meant strategy diversification. You are currently only using the B&H savings plan. Monostrategy = risk (especially return sequence risk).

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Tobi@Tobiwankenobi500

2Sem.

I.e. also incorporate a return strategy, for example? Do you have any specific suggestions?

What are the arguments in favor of the ACWI and against my $VWRL?

Thanks already for the input 😘

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Epi@Epi

2Sem.

@Tobiwankenobi500
I don't know exactly what you mean by "yield strategy", but yes something other than B&H.

VWRL or ACWI doesn't matter.

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Tobi@Tobiwankenobi500

2Sem.

@Epi Do you have a suggestion as to which strategy I could add to the portfolio?

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Epi@Epi

2Sem.

@Tobiwankenobi500 Have a look at my posts on 2XSPYTIPS or GTAA. These are two possibilities.

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Chandra@Chandra

2Sem.

@Epi From what deposit size do you think the risk should be reduced?

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Tobi@Tobiwankenobi500

2Sem.

@Epi thanks follow is out I'll do it!

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Epi@Epi

2Sem.

@Chandra Good question! I haven't even thought about it systematically yet. Next project. 😏

The answer probably depends on your goals and your current strategy.

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5julian5@5julian5

2Sem.

@Tobiwankenobi500 Your money should be worth a sensible strategy. No offense, but... as @Epi says, a normal world ETF would easily beat your performance.

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Voir toutes les 2 autres réponses

LarryLindt@LarryLindt

2Sem.

1500 in the $VWRL and then the rest on Bitcoin and individual purchases would be my "lazy" fix
With 2k you have a huge leverage from the 130k to make 500k and then the million.
and as I have also read here, I think 60k on Siemens is too much for a 130k portfolio.

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Tobi@Tobiwankenobi500

2Sem.

@LarryLindt thanks - I implemented it straight away!

1500€ $VWRL
100€ $BTC
100€ $JEDI

300€ savings rate for purchases :)
Siemens I have to see how much I can currently sell and what I can still get for input...

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Tobi@Tobiwankenobi500

2Sem.

@LarryLindt 81 Siemens shares have just gone out as sell orders...

Will...
put 2k in $NU
2k in $VWRL
2k in ???
Keep the remaining 9k€ as cash for additional purchases

Thanks for the input!

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LarryLindt@LarryLindt

2Sem.

@Tobiwankenobi500 if you already have a nest egg of cash on the side, I would also invest the 9k

Time in the market > timing the market

You can hold the 2k in case Trump doesn't shoot the shares up next week but brings them down. Here personally again in $VWRL but that's just my blunt strategy 😂

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LarryLindt@LarryLindt

2Sem.

But I think it should be by far the largest position in the portfolio (>50%)

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Korrekturensohn@Korrekturensohn

2Sem.

Siemens positions would be far too large for me. I would sell part of it and put it into the FTSE. I would also increase the monthly savings rate and leave €300/500 for individual purchases rather than the other way around, because €100 a month hardly builds up anything.

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Tobi@Tobiwankenobi500

2Sem.

@Korrekturensohn Thanks for the feedback! Do you mean €1500 in the savings plans and €500 in cash?

How much of the Siemens position would you sell?

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Korrekturensohn@Korrekturensohn

2Sem.

@Korrekturensohn Exactly, I would at least halve the two positions and reallocate the money to achieve better risk diversification (your other positions only make up a fraction of this).

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Tobi@Tobiwankenobi500

2Sem.

Halve both positions?

So you mean reducing Siemens by 50% and halving the €1700 savings installment in cash, right?

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