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Maximilian from investolio - How I invest

Click Here to see my Portfolio!

Who are you?

My name is Maximilian König, I am 28 years old and started investing in stocks at the age of 15. I was interested in the stock market, finance and economics from an early age. So I didn't start my business studies because everyone does it, but because I was really interested in it.


Ideally, I was able to choose a focus in my studies and this then naturally fell on finance. At the end of 2018, I also finished my master's degree. Meanwhile, I have already started working on my self-employment. Since 2016, I have been active as a Wikifolio trader, which has definitely helped me with the start of my self-employment.


After graduation, it was clear to me that the focus should be on starting my own business. I simply didn't want to work in a bank and recommend products that I would never buy myself or work on projects and strategies that contradict my own investment style.


In 2020, the starting signal was given for my own company, investolio GmbH. With my companies I would like to enable private investors to easily evaluate stocks based on my own developed scoring models and thus pursue a quantitative investment approach. Of course, I also invest according to these systems myself. At the same time, I would like to give as many investors out there as possible the opportunity to accompany me on this path.


By the way, I'm also on Instagram, commenting on market events and providing insights into my daily investment life.

When did you start investing?

I started investing in stocks when I was 15 years old. Of course, there was still a lot of youthful naivety involved. At that time, I only saw my dad checking the share prices. That, and the desire to earn money on the stock market, were the triggers for my early start on the stock market.


The only stupid thing was that at that time I naturally thought I was smarter than everyone else. This is probably true for many beginners and here I can only say that it is important not to overestimate one's own abilities on the stock exchange. There is no extra market on the stock exchange just for beginners. Here you also directly meet old-established professionals, big banks, etc. Looking back, I wonder how I could have been so naive to believe that the stock market would make you rich quickly... But well, I learned quickly and kept the financial damage to a minimum at the beginning.

What is your investment strategy?

I invest mainly in individual stocks. In doing so, I follow a purely quantitative approach. Quantitative means that all my buy and sell decisions are made based on data.


I have always been a big fan of automating processes and thus reducing work in the long run. That's exactly what I want to do with my investments as well. Instead of doing hours of analysis and research, I have been developing investment strategies that tell me what to do at any given time. The result of this strategy development are my scoring models with which I can easily evaluate stocks.


Simply put, I buy stocks that are particularly well valued according to these models. The computer does all the calculations for me. So in the end, all I have to do is execute a few trades. This has not only allowed me to massively reduce my workload, but I am also no longer exposed to psychological pressure and therefore do not make any mistakes driven by emotions.

What is your secret tip or a sector/stock that you currently like?

Unfortunately, I don't have any insider tips. This is simply because market conditions and valuations are constantly changing. A stock that is enormously promising today may no longer be worth buying in a year's time.


My tip is rather to set up a concrete set of rules that gives orientation in stock trading. I am convinced that someone who invests without clear rules and simply trades on instinct will perform worse in the long term than the overall market itself.


My tip is therefore: Either you know what you are doing and invest confidently and according to a clear set of rules in individual stocks, or you look for a low-cost ETF and do not even try to beat the market.

What was your biggest investment blunder?

That was my foray into the world of leverage products and warrants. A few months after my start on the stock market, I wanted to take off with leverage products (driven by the desire for quick wealth).


Surprisingly, this didn't go so badly at first. However, it didn't take long before the losses became greater than the gains I had previously made. There is simply no such thing as getting rich quick on the stock market. But if that is your goal, please think about it again. Above all, stay away from leveraged products, warrants, and other high-risk products. On average, the bank always wins.


Without really realizing it, the rally on the stock market that started in 2009 tended to pass me by in the first few years because of such speculation. Instead, I tried out numerous different trading styles (from day trading to longer-term investments in blue chips). On the positive side, I made the most common mistakes with a small account and the financial damage remained within limits in absolute terms.

What does your portfolio currently look like?

I currently hold about 60 different stocks. My focus is on Germany. In addition, I have many European shares and of course some from the USA. Especially in the German and European stock market, I am increasingly invested in second-line stocks. These are not really on the radar of many investors, so that there are opportunities here. Of course, the price fluctuations are also greater.


I only become aware of these stocks again through my scoring models for stock valuation. When I buy a stock that is well valued according to these scores, I often have to find out for myself what kind of company it is and what it does, because I haven't really heard much about it before.


Of course, there are many unconventional stocks in the mix, but it is also clear to me that I can only take advantage of opportunities and achieve my goal of long-term outperformance if I do something different from the masses.


I have also published one of my portfolios here. In this depot I invest in German trend stocks, which at the same time do not have too much price risk.
You can find my other portfolios in the investolio members area.

You can find my Portfolio here!