ETF savings plan executed daily & portfolio evaluation 17 year old?
Hey guys,
I am 17 years old and would like to start investing long-term with stocks and ETFs.
I have saved about €20,000 and have created a so-called model portfolio, just like I would want to have in real life.
I've been considering investing the money all at once for a while, but since you don't benefit from the cost averaging effect, doesn't it actually make sense to divide the €20,000 over 365 days and invest the total every day, or is that nonsense? Theoretically, you would maximize the cost averaging effect that way.
PS: My portfolio would look like this:
60% (€12,000) MSCI World
35% (€7,000) (individual stocks (Visa, Apple, Take Two, Allianz, Starbucks, American Lithium, McDonald's)
I would add 5% (1,000%) cash to the call money account at Trade Republic, as the interest rates there are very attractive at the moment…
Yes, I think the share of individual stocks is a bit high at 35%, but I am willing to take more risk.
Do you actually see the American risk as a threat? Since my American allocation would be around 80%, should I increase my European allocation? For example, add 2-3 euro shares or a Euro Stoxx?
What do you think of my portfolio?
Thank you for your answers 👌😁
(1 votes)
Loading...
About twice as much to invest in ETFs as in single shares I find optimal, that I do.
At the time: the faster, the better, but not blind now and here and now, but observe the respective course for a time and take a favorable moment. In general, securities are cheaper early in the morning and late in the evening, and in the middle of the week they are statistically cheaper.
To choose from: You seem to pay attention to geographic criteria. I don’t think so. Watch industries. You must have understood more quickly and better than the broad mass which parts of which industry have a lucrative future. To do this, you need to read a lot of messages and continue your education. For example, you can learn that there is enormous pressure to get alternatives to lithium-ion batteries with research and development that require less problematic raw materials than lithium. So the days of the lithium boom are counted, and you better leave the fingers of lithium shares. In any case, you need to use your own brain and not listen to social media, influencers, Mick Knauff, Hans Meißner and such forms. You’re still extremely young and of course you can’t have so much expertise in certain industries, that’s a cell phone cap. But what you can do is use the statistics of the Frankfurt Stock Exchange, which sort stocks or ETFs by 3-year performance, see if they are rising with only a few fluctuations, and also analyst recommendations. It is especially important for the course yields, dividend yields are poor compared to them.
Wow, that’s not what I’ve been thinking of looking for alternative to lithium batteries… In any case, you are right to pursue research and politics is important for individual shares, because there is a need for retrieval with me. Thanks for your valuable info!
Kenneth Fisher says “Time in the market beats timing the market.” Allocation would be nothing for me because it overweights the US shares that are already heavyweights in the MSCI World (like Apple).
What is your strategy behind it?
Moin, thank you for your message. I simply assume that the individual shares such as Visa or Apple will run better in the future. But you’re right, especially diversified with the shares wouldn’t.
If you’re planning to do a long-term job, it doesn’t matter if you’re investing or plucking everything at once – especially since one-off systems are statistically more profitable anyway.
I would invest €15,000 in the ETF and reduce the individual shares you already have in the ETF anyway. You may also invest a bit in Bitcoin, for example, €1,000. The rest of the day money account.
I’d do it as follows if I’d stick to you:
5.000€ – MSCI World
5,000€ – S&P 500
€1,000 – Gold
500€ – BYD
500€ – RWE
500€ – Apple
500€ – Bitcoin
500€ – EHT
500€ – Solana
500€ – Allianz
500€ – Shell
500€ – Samsung
500€ – Microsoft
500€ – Rhine metal
500€ – Nvidia
500€ – Cola
500€ – 4Basebio
500€ – Vulcan
500€ – IVU Traffic
500€ – Infineo
500€ – Deutsche Telekom
500€ – Bechtle
500€ – BCO
Enough single shares, enough at risk positions that can be captured by others.
Why choose single shares you already have with high weighting in the MSCI World and S&P500?
And why even MSCI World if you want to overweight the US so much?
Ever asked your savings bank consultant what he thinks of it?
Hey, thank you for your answer. Ne, don’t go there, I don’t want to let anyone touch me, and in addition, the fees for banks for shares are enormously high in contrast to an ETF savings plan for a broker.
Yes, but he has experience of what you could benefit from. On the other hand, you have no idea and can do a lot wrong.
I don’t see a problem. Also at the Sparkasse you have no binding to your seller, except that he sells his own products and wears a suit
If you mean.
Nobody cares about it….because many have no money or don’t want to talk about it. The Internet is not a solution. These are not the right contacts…
I had no problem finding people. This is as simple as ever today – Internet is thanks to
This is more your personal problem if you don’t find anyone in today’s age for communication on a topic
Why… find someone privately with whom you can talk and discuss financial products. I don’t have anyone to do this.
He has his own expensive products. You also get good without the seller of the Sparkasse
Advice is free…so make your experience….maybe you meet someone sympathetic.
You’re right. Questions don’t cost…