2Mon·

Hello, after trying out individual stocks again and again, I have now done what everyone advises but nobody does when looking at the portfolios ;)

All individual positions sold, the All World remains the basis with 70% portfolio value.

20% of my savings rate will go into Bitcoin (no other cryptos) and from next week I also want to slowly build up 10% gold.

So in the end 70-20-10 with FTSE All World-Bitcoin-Gold.

The cash balance currently makes up more than half of the assets, but from €25,000 (emergency savings) it will no longer be expanded or only filled with money that comes in unplanned (bonuses, interest on call money). Once a little more has been accumulated, this is invested in the event of potential declines via a one-off purchase until the €25,000 is reached again. In the same proportion as the savings rate, of course.


The aim is to build up long-term assets for the next few decades.

Are there any suggestions for improvement?

$GBSE (+0.14%) I would have chosen gold, as it is tradable on TR. Do you think that's okay?

3Positions
€42,603.46
1.98%
7
4 Comments

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I think @Epi will be pleased.
My portfolio is similar, except that I still have a few individual stocks in it. But I've also reduced it.
I think the way you do it is a good solution
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I would not include the nest egg here. It remains an emergency reserve and is never invested.
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