Sebastian Rau co-founded the financial knowledge platform “Finanzwissen.de”. Getty Images / Westend61 / Collage Business Insider / Finanzwissen.de
Sebastian Rau is 31 years old and has built up a six-figure portfolio. In the interview, he reveals which stocks he is betting on and which ETF complements his strategy.
Sebastian Rau, co-founder of Finanzwissen.de, has a deposit of around 150,000 euros in addition to four apartment buildings. The 31-year-old has around 42 stock positions and an ETF, and he reinvests his dividends. Rau prefers companies that pay dividends and have growth potential. Growth is more important to him than the amount of the dividend.
“I started investing in 2017,” remembers Sebastian Rau. At the beginning he simply bought a few books on the subject of stock valuation for beginners. “After that, I did a lot of research online and watched YouTube videos to find out how others invest. After my research, I decided on a dividend strategy.” Rau is clearly cash flow-oriented. “That’s why I later started investing in real estate to increase my monthly cash flow,” says Rau.
I wasted around 20,000 euros. That was almost 50 percent of my portfolio at the time – that hurt.
He then has 2021 Finanzwissen.de co-founded. The first stock he bought was the semiconductor company AMD. “I bought it for around two euros and then sold it for a 10 percent gain. I was happy back then – today I look back with tears in my eyes,” admits Rau. But his biggest investment mistake was Wirecard. “I wasted around 20,000 euros. That was almost 50 percent of my portfolio at the time – that hurt.”
In addition to four apartment buildings, Rau now has a deposit worth around 150,000 euros. The 31-year-old relies on individual stocks and an ETF. In the conversation, Business Insider got an insight into his portfolio and his strategy.
These eight stocks are the top positions in his portfolio
“I am currently investing in individual stocks and have an ETF.” 1,000 euros flow into his portfolio every month plus his dividend, i.e. 1,270 euros, as well as 100 euros, which he invests in an ETF. “The fact that I reinvest my dividends is fundamentally not rational. If I were to simply rely on accumulating products, then I would save myself the withholding tax and could expect higher price gains.” Nevertheless, he thinks it’s nice when companies pay out a profit share, even if the prices are in the basement. “In this way you separate more from the market value of the companies and are more likely to see the participation.”
Rau currently has around 42 stock positions in his 150,000 euro portfolio. His greatest titles are:
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Why Europe is less attractive to foreign investors
2024-05-02 10:17:50
For the fifth consecutive year, France retains its title of European champion of foreign investments in the ranking established by the E&Y firm for 2023. Good news to put into perspective: in France as throughout Europe, foreign investments have generally declined.
The number of new projectsForeign investments is down 4% on the European continent. Investors have especially turned away from the Europe of 27.
In Germany, where the economy is slipping, the fall is brutal: -12%, as in Italy, -6% for Spain, -5% for France. According to UNCTAD, Asia takes the lead, followed by the United States. The world’s leading economic power benefited from the effect Inflation Reduction Act. Public support for the industry put in place by Joe Biden attracts foreign companies and partially keeps American companies at home. The United States remains the leading investing country in Europe, but with a number of projects down 15% compared to 2022.
Also read: Foreign investments in France driven by the automobile industry in 2023
A new signal of Europe’s downgrading?
In these uncertain geopolitical and economic times, Europe, in poor shape, with anemic growth, suddenly appears very vulnerable. The stacking of different decision levels scares away investors, according to Marc Lhermitte, associate member of E&Y. “ The managers interviewed tell ushe continues, yes, Europe has diversity, but also dispersion”. Slowness and procrastination in energy or trade policy worry them and end up pushing them towards other, more understandable areas.
The surprise rebound of the United Kingdom
On the edge of the Europe of 27, there are also countries which, on the contrary, attract investors. This is particularly the case in the United Kingdom. +6% foreign investment. This is the real surprise of the 2023 vintage of this attractiveness barometer. Tech and finance are the two sectors driving the renewed interest in this post-Brexit kingdom. A healthy rebound, but still insufficient to repair the damage to the industry that has been going on for five years, according to Marc Lhermitte. Turkey also recorded a staggering increase in foreign investment projects: +17%. This excellent performance confirms the attraction that this country has had for several years already. Thanks to its national and regional market, and abundant and inexpensive labor.
The relocation of industry to the periphery
Note that other countries on the periphery of the Union benefit greatly from the relocation of industry. +70% industrial investments for Hungary or the Czech Republic, +30% for Serbia. Poland, but also Italy and Spain, and even Turkey, are also experiencing a proliferation of factory creation with foreign capital. Also due to their very competitive labor costs. Spain, for example, is half as expensive as France. In 2023, Paris nevertheless remains the leading destination for industrial investments with the megaprojects announced in electric batteries. The overall balances are unchanged. The three countries at the top of the European ranking, France, the United Kingdom, and Germany, still receive half of the foreign investment projects for the entire continent.
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– 2024-05-05 13:20:32
For the unprecedented and unexpected incident of the arrest of a member of the guard of the Consul General of Greece in Jerusalem, by the Israeli forces at the Holy Sepulcher, SYRIZA – PS requests clarifications from the Ministry of Foreign Affairs in a statement, stressing that it expects the government to react to the Israeli side.
His announcement in detail:
SYRIZA – PS, requests the immediate provision of clarifications from the Ministry of Foreign Affairs regarding the unprecedented incident of the arrest of a member of the guard of the Consul General of Greece in Jerusalem by the Israeli forces at the Holy Sepulcher, during the ceremony of the Touching of the Holy Light.
We call on the Minister of Foreign Affairs to immediately inform the National Delegation and we await the reaction of the Greek government towards the Israeli side, commensurate with the seriousness of the incident.”
Israeli police violently arrested Greek Consul’s guard at the Church of the Holy Sepulchre in occupied Jerusalem, during celebrations for Holy Saturday by thousands of Christians ahead of Orthodox Easter Sunday.
Israeli forces previously set up iron barriers around the church to… pic.twitter.com/cFUEOACg19
— The Cradle (@TheCradleMedia) May 4, 2024
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