Simone (@Simone_shd) on getquin

1Yr·

Portfolio Feedback

Hello all,

I started to deal with the stock market at the end of 2022 and finally invested since January 23, briefly a few facts about me:

Early 20s
Student
Monthly savings amount at about 500-600 €, hopefully in the future even higher :)

My goal is the long-term asset accumulation, to be able to retire a few years earlier, or if it should not be enough in any case to have a carefree pension.

My strategy:

I am using a Core Satelite strategy, which is a bit strange; I am using a S&P 500 as a core and a technology ETF as a satellite. I am convinced that the USA will remain the No. 1 innovation leader in the future and therefore I would like to have a focus. The $XDWT (+0.32%) I have in my portfolio, as I believe that the technology sector will continue to generate excess returns in the future.

In the long term, I can imagine a shift into an all-world such as the $VWRL (+0.85%) but I hope that my current allocation will allow me to outperform the market for at least the next 10 years.

I would love to hear your thoughts on my strategy and ideas.

Check out my Dashboard now!

11 Comments

Hendrik@hendrik_lmr

1Yr

Whether the USA will remain the No. 1 in terms of innovation, I would personally doubt 🤔 I would even doubt with regard to Shenzhen that they are currently 😬 but in principle I am also long USA. The advantage of the All World Etf would be of course that possible changes in the world economic order are taken into account, so I think it's good that you do not categorically exclude rebalancing 💪🏽 I think you will definitely make very good returns with this portfolio in the coming years 🚀

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Shiya@Shiya

1Yr

I was originally going to go with the S&P 500 as my main ETF, and was even planning to go with that alone as of now, since I think the US will outperform the world for at least the next 10 years. Now, like you, I also want to go with the $XDWT, since tech may continue to run strong for the next few years, at least stronger than most industries. At least stronger than most other industries. My consideration was to go with the S&P 500 Information Tech ETF, but I now prefer to go with the same one as you from Xtrackers, simply because it includes the whole world. Who knows which tech company will be at the top 10 years from now?

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Krush82@Krush82

1Yr

It's a good starter combo. A shift from the S&P 500 into an all world Etf would not be wrong. I would hold the tech ETF or alternatively choose a Nasdaq ETF. But there will probably not be much difference

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Gerit@Gerit

1Yr

You can do it that way for now, just stick to quality and don't go too much into any sector bets. Emerging markets can still be bought if need be, so betting on the U.S. for now is not so bad and has been exactly the right thing to do for the last 100 years, why should this change much.

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Kevin E.@KevinE

1Yr

Looks solid, simple design, well thought out, why not? The assumptions can be evaluated only in 10 years. Find 500 € + / month as a student also already a very decent savings rate. Since some do not come here with full-time job. Of course, it's always individual, but to estimate times: about 50% of Germans put nothing back (except for saving for the next vacation or car).

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Luca I@Ilseboss

1Yr

Your return on investment proves you right for the time being, and that's what counts, even if it's only a snapshot at the moment. Top

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