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ETF-INVESTMENT

Daniel from Finanzrocker - How I invest

Who are you?

My name is Daniel Korth, I am 41 years old and now known as Finanzrocker, a full-time blogger and podcaster. The name Finanzrocker comes from my friendship with guitar-dominated music that started 25 years ago. Prior to that, I worked for 12 years in the marketing department of various PR agencies, IT companies and a university.

When did you start investing?

I made my first investments in 2007 through a bank consultant and got caught up in the financial crisis a year later. So my investment career started right away with a loss in value of almost 40%. In the following years, I made further expensive mistakes that cost me a lot of money. In 2013, I then finally decided to take my invevstments into my own hands and have since built up a fortune. By far the most successful asset has been investing in my own human capital.

What is your investment strategy?


I am an active investor with over 40 individual stocks. In addition, however, I have also had ETF savings plans for years, which are doing very well.
What is your secret tip or a sector/stock you currently like?
I always try to stay away from the supposed insider tips because that rarely works most of the time. The most important tip I can give is to always take care of your own investment independently. Everyone should know exactly what he or she is investing in. This is true for ETFs as well as for single stocks.

What was your biggest investment mistake?

The biggest mistake was my lack of interest in investing. In the end, that led to my losses from bank advice because I didn't bother at all with what I was actually investing in and what the costs were. In the end, that cost me over 10,000 euros.

What does your portfolio currently look like?

In the meantime, I invest mainly in individual stocks. I have invested just under 50% of my portfolio actively and just over 10% passively in ETFs. In terms of individual stocks, I invest in companies with years of earnings and high cash flow.
I keep though over 30% as a liquidity reserve. Then I have overnight and term deposits as well as gold as low-risk investments. In the heavy metal portion of my portfolio, there are then just under 8% P2P loans and a very small cryptocurrency portion.