Who are you?
Greetings! My name is Ricardo Tunnissen and I live in the beautiful city of Münster.
After my apprenticeship as a banker (IHK), I worked, among other things, in private construction financing and in the corporate and commercial customer advisory service of a regional Volksbank.
During this time, I was able to train as a certified VR commercial customer advisor (RWGA), bank specialist (BankColleg), bank business economist (BankColleg) and most recently as a graduate bank business economist (BankColleg) at the Campus Schloss Montabaur.
In October 2018, I took the step into self-employment and have since been building up a financial guide on the internet to give interested people the necessary tools to set themselves up in a financially sound manner. In addition, I started an Instagram channel in September 2020 to enable the valuable exchange with like-minded people (which for me has been clearly lacking in the last few years).
By the way, I made the best investment of my life from my very first salary: I bought a cat from the animal shelter, his name is Mozart.
When did you start investing?
I first got involved with investing in the stock market in 2012. At that time, it was primarily about investing my capital-forming benefits, which I received from my employer at the time. Over the years, this initial contact has developed into a true passion.
What is your investment strategy?
The largest part of my portfolio is made up of rented flats, in which I invested in 2017 and 2018. I also love to invest in the stock market.
Since a solid return is important to me and I don't expect to consistently beat the market over the long term of 20-30 years, I now invest exclusively in ETFs on the stock market.
This way I earn a solid return and don't have to spend time on extensive research and elaborate analyses. I prefer to invest the time freed up by this in expanding my still young self-employment, which gives me great pleasure.
What is your insider tip or a sector/stock that you currently like?
For me, a solid foundation is enormously important. To this end, I invest in the MSCI World as a basis and supplement this investment with further ETFs on indices of promising sectors, markets and future industries. For me, this includes, for example, information technology or companies in the field of digital security.
What was your biggest investment mistake?
My biggest investment mistake was speculating with the help of a leverage product on the Daimler share as the underlying in 2015/2016 (after the VW scandal). This speculation totally backfired. However, I am convinced that we can learn far more from mistakes and nasty low blows than from celebrated successes. So at least I have the feeling (or I tell myself) that this apprenticeship money was worth it after all.
What does your portfolio currently look like?
I am currently investing in 6 ETFs on the following indices in equal instalments:
STOXX Global Digital Security
MSCI World Information Technology
MVIS Global Video and eSports
Research and invest once, then get consistent returns without having to actively buy or sell or constantly monitor companies. Save time and get solid returns - that's all I want.