Hello all,
after I wrote my first and only post in getquin about 2 months ago and I had only a rough idea of my strategy at that time, today follows my personal strategy.
First of all many thanks to @DonkeyInvestor for the great template for portfolio feedback.
Step 1: About me and my investment horizon and goals
I am 33, married and have 3 children. I am a team leader in an IT company. My wife and I own two apartments, one is owner-occupied, the other is rented. Both still with remaining debt. My investment horizon is between 20-30 years and is intended to supplement our pension and give our children a good start in the "adult world".
Step 2: My strategy
Until two months ago, I was of the opinion that I needed individual stocks in addition to my $VWCE (+0.44%) need. After several sleepless nights and countless researches, I decided on a core-satelite strategy. I am betting on about 90% ETF and about 10% crypto (gambler position).
Step 4: My Depot
The following ETFs are in my portfolio
- $VWCE (+0.44%) - Savings plan 700€/month
- $MEUD (+0.97%) - Savings plan 150€/month (US share is to be reduced thereby somewhat)
- $SEMI (+0.92%) - Savings plan 25€/month (I hold a lot of the industry and is also somewhat job-related)
- $LOCK (+0.78%) - Savings plan 25€/month (Holds a lot of the industry and is also somewhat job-related)
From 2024 I will reduce the $MEUD (+0.97%) to 100€ and reduce the $SEMI (+0.92%) and the $LOCK (+0.78%) increase to 50€ to get a better percentage weighting.
The following crypto are in my portfolio
$ETH (-2.87%) - Savings plan 50€/month
$BTC (+0.23%) - Savings plan 50€/month
Step 4: Depot expansion
I want to keep my current portfolio for at least the next 5 years, because I don't want to deal with rebalancing. As soon as I have more money (loan paid off, salary increase, etc.) the position of the $VWCE (+0.44%) will be further expanded and possibly another gambler position will be added.
Step 5: What I do not want to have
Currently I do not want to have any dividend positions, who knows what will be in 5 years.
A nest egg in the checking and call money account exists and also continues to grow.
Step 6: Share absolute values
Check
Please give me constructive feedback on my portfolio!
