DividendenSnoopy (@DividendenSnoopy) on getquin

2Yr·

After a lot of back and forth, I have finally created my first ETF savings plan. This is to be saved monthly, with an investment horizon of at least 15 years, but more likely longer, and I would prefer not to have to change, reallocate or otherwise edit it. Since I'm still very new to the world of investing, I'd like to get the community's opinion ☺ maybe I've overlooked something, not considered it, or just plain done it wrong.

The savings plan is composed as follows:

70% $ISAC

20% Vanguard EUR Eurozone Government Bond UCITS ETF Accumulating (ticker VETA does not work, WKN A2PA8D)

10% $IGLN (+1.02%)

The MSCI as the "risky" part covers developed and emerging markets and is probably a classic. Contrast that with the "low risk" part with the bond ETF. I have oriented myself to the world portfolio of Gerd Kommer. The gold should only be a small addition to reduce the risk a bit.

As for my strategy: I would like to invest in a balanced way, with a focus on passive investment and asset accumulation, combined with occasional individual purchases when I see a good opportunity (as a "boost", so to speak). Since I still have a lot to learn, risky investments are not the main topic right now. Currently, my focus is more on gaining experience than trying to beat the market. The savings plan described above should ideally be a core investment for old age, which is still more than 30 years away 😅 nevertheless it annoys me that I'm only now dealing with this topic at 31....

I would be very happy about tips, corrections, criticism and suggestions of course 😊

28 Comments

Dominic Mayr@DomaininFuture

2Yr

@Gummiwurm
Good morning I think, with the ETF do nothing wrong for the beginning, just let them run! Even with nem investment horizon of +15a you are on nem time window, with which you can survive various capers on the stock markets well. I have also eig much too late started (34) but rather later than never.
If you then in a few weeks, months or whenever conform with the ETF feel it is then certainly at some point time for the first individual stocks, if desired. Otherwise, there are some here that offer really good content and it is absolutely worthwhile to follow them, @InvestmentFeldwebel
@TheDrunkenInvestorDieKneipe
@DonkeyInvestor
@InvestmentPapa To name just a small excerpt. Oh yeah, and I only invest in what I understand, it's a hackneyed phrase but it saved me from getting into Wirecard ;)

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Leon@binggordyn

2Yr

In principle, there is nothing to say against it. However, I personally would only take the ACWI and add individual stocks later. But in the end, you have to be able to sleep well with your investment! 😌

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Ruben@DerRubelmussrollen

2Yr

Good morning Nicos, your strategy sounds good, but would weight differently. Bonds and gold at 5% each and the largest position no more than 35%.Two more Etf to differentiate (industry / countries) at 25% each and 5% to gamble. Wish you a Besinnliche Christmas time and nen good start of the week

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six@six

2Yr

I would take the $VGWL instead of the MSCI ACWI. I would leave out the rest. Instead of bonds, rather overnight money or time deposits. If gold is added later, then I would rather take $EWG2 or $4GLD or physical gold. Adding gold is probably only worthwhile from a larger portfolio size and then rather about 5% (max 10%). PS have myself only started with 44.

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Lorena@Lorena

2Yr

@leveragegrinding didn't you want to write something about bonds? :)

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