Hello Community,
I'm in the process of revising my portfolio and would like to get your opinions and advice. Here is my current thinking:
Portfolio allocation:
Equities (75%):
80 % ETFs (core investments):
MSCI World
NASDAQ 100
DAX
20% individual stocks:
Alphabet $GOOGL (+0.12%)
Apple $AAPL (+0.03%)
Alliance $ALV (+1.15%)
Ahold Delhaize $AD (+1.22%)
Coca-Cola $KO (-0.35%)
LVMH $MC (-1.43%)
Bonds (15 %)
Gold (5 %)
Bitcoin (3 %)
Cash (2 %)
Background
Investment objective:
I am 35 years old and aim for financial freedom at the age of 50 to 55, with a target of €2000 net per month in retirement.
Strategy:
A balanced portfolio construction that includes both high-growth companies and stable dividend stocks, supplemented by diversifications in ETFs, bonds, gold and Bitcoin.
Adjustment considerations:
To make my portfolio more robust, I plan to make the following changes:
Buy:
ASML $ASML (+2.27%) Leader in the semiconductor sector with great long-term growth potential due to trends such as AI and electromobility.
Johnson & Johnson (J&J) $JNJ (-0.69%) : Stable dividend stock (~2.5%), ideal as a defensive anchor in the healthcare sector.
Sell:
Ahold Delhaize $AD (+1.22%) : Good dividend growth, but limited growth prospects.
Unilever $ULVR (+1.36%) : Defensive character, but lower future potential compared to J&J.
Zalando $ZAL (-0.81%) Cyclical consumer stock with increased volatility and questionable growth path.
Coca-Cola $KO (-0.35%) : Good dividend, but limited growth opportunities - could be replaced by more innovative stocks such as ASML.
Questions for you:
1. how do you rate my new core allocation (MSCI World, NASDAQ 100, DAX)? Should I add anything?
2. do you think the inclusion of ASML and Johnson & Johnson makes sense?
3. what do you think of the sell candidates (Ahold Delhaize, Unilever, Zalando, Coca-Cola)? Would you do anything differently?
4. do you have any other ideas or recommendations on how I can make my portfolio more diversified and robust?
Thank you very much for your support and your opinions!
