So investiere ich! Meine Investments (von 2016 bis heute) | Finanzfluss

Summary

In this video, Thomas shares his personal investment journey, reviewing his portfolio from 2016 to 2024. Starting at 14 with guidance from his father, he transitioned from individual stocks to ETFs, eventually simplifying his strategy. By 2024, a significant real estate investment makes up 60% of his wealth, while his ETF holdings represent about 30%. He reflects on the reduction of P2P loans and introduces startup investments, acknowledging both successes and setbacks. Thomas emphasizes the importance of tracking investments with the finanzos Copilot App and expresses a desire to explore new ETF opportunities in the future.

Takeaways

• 📈 Thomas shares his personal investment journey, highlighting the evolution of his portfolio from 2016 to 2024.
• 📊 In 2016, his portfolio was primarily focused on a world portfolio strategy, consisting of various ETFs, individual stocks, and P2P loans.
• 💼 He emphasizes the importance of tracking investments, introducing the Finanzos Copilot app for easier portfolio management.
• 🔄 By 2021, his investment strategy shifted significantly, with 80% of his portfolio in ETFs, including a focus on Bitcoin and cash reserves.
• 🏠 In 2024, Thomas invested in a primary residence, which now constitutes 60% of his total wealth, marking a shift from ETFs to real estate.
• 📉 He reduced his P2P lending investments to zero, citing risks and a desire for a simpler portfolio.
• 🔍 The current ETF allocation consists of just two main ETFs: MSCI World and MSCI Emerging Markets, simplifying his investment approach.
• 🚀 Startup investments were explored but have proven to be less rewarding, prompting him to cease further investments in that area.
• 📅 Looking ahead, Thomas is considering rebalancing his portfolio towards more ETFs and experimenting with new investment products.
• 🤔 He concludes that financial strategies are not static and will evolve based on personal experiences and market changes.

Q & A

What is the main focus of Thomas's investment journey shared in the video?

Thomas shares an overview of how his investment portfolio has evolved from 2016 to 2024, discussing changes in his strategies and asset allocations.

How did Thomas start his investment journey?

He began investing at the age of 14 with his father's guidance, initially subscribing to a stock newsletter and investing in stocks they deemed appropriate.

What types of investments did Thomas include in his 2016 portfolio?

In 2016, Thomas's portfolio consisted primarily of a world portfolio with around 13% in individual stocks, 8% in P2P loans, and a life insurance policy accounting for 3%.

What significant change occurred in Thomas's portfolio by 2021?

By 2021, his portfolio shifted to 80% in ETFs, with a notable simplification to just three ETFs, as well as a small percentage in cryptocurrencies and a cash position.

What led to the reduction in the P2P loan percentage in Thomas's portfolio?

Thomas's P2P loan investments decreased to 2% of his portfolio because he stopped investing in that area and withdrew from certain platforms due to rising risks.

How did the real estate investment impact Thomas's portfolio in 2024?

In 2024, Thomas invested in a home, which now represents approximately 60% of his total assets, significantly shifting the focus away from ETFs, which now account for around 30%.

What is the current distribution of Thomas's investments as of 2024?

As of 2024, his investments are distributed with about 60% in real estate, nearly 30% in two ETFs (MSCI World and MSCI Emerging Markets), and around 6% in Bitcoin.

What future changes does Thomas consider for his investment strategy?

He contemplates adding a Europe Stock 600 ETF and possibly creating an ETF without US exposure, as well as testing new products while remaining satisfied with his current ETF holdings.

What challenges did Thomas face with startup investments?

Thomas encountered difficulties with startup investments, resulting in an insolvency and less favorable outcomes, leading him to stop investing in startups by 2022.

What tools does Thomas recommend for tracking investments?

Thomas suggests using the Finanzos Copilot App for easy tracking and visualization of personal investments, including net worth and various asset classes.