Jan (@Bueffel) on getquin

1Yr·

Moin I am still very new to the stock market. I am 29 years old and would like to save something for old age as well as slowly get used to the stock market.

Yes my portfolio currently consists mostly of individual stocks as well as some very questionable positions like $9866 (+1.86%) Nio or $LLL .

For these steps I have decided to collect initially first different experiences.

In addition to individual shares, I would like to create a savings plan in ETFs to significantly expand this position in the long term.

I ask myself whether I prefer the $VWCE (+0.85%) which is more diversified or the $IWDA (+0.99%) with a smaller ETF for diversification.

The plan is a savings plan in the amount of 3-400 € per month.

Would be very grateful for suggestions and ideas and look forward to a lively exchange in the future.

9 Comments

Uwe G@UweG

1Yr

The $VWCE covers the world. If the 55% US portion is OK, I would save that (nice and simple). Otherwise, you can choose a combination of several ETFs. But here you have to define an individual investment strategy, e.g. add EM, increase Europe and/or Asia share......and consider rebalancing.

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Kevin E.@KevinE

1Yr

What I think is important is to specify your goal. Let's assume you "just" want to close your pension gap. You already know your investment horizon. You can calculate the gap itself reasonably well (with your pension information). Then you can calculate how many assets you need for that and from that an approximate monthly sum you should invest. With such a long time horizon, this is of course very imprecise, but you have a starting point. If you have other goals (rather retirement, sabbatical, etc.) I would proceed similarly. Based on your goal, you can then develop a strategy that suits you.

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Mac M.@Kronos_

1Yr

Hey Jan, I would go into the $VWCE simply because it is so broad and covers all sectors lg :)

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Ironman@Ironman2022

1Yr

Hi, Jan, the much vaunted 70/30 portfolio with 70% developed and 30% emerging markets would be yes an idea😉 E.g. 70%$IWDA, 30% $EIMI No investment advice

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Rmann@Epi

1Yr

What about Global Asset Allocation? https://mebfaber.com/wp-content/uploads/2016/04/GAA-Book-1.pdf

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Riesling@RieslingGG

1Yr

Servus Jan, I am of the opinion that you get the best return with a S&P500 information technology. The ETF reflects the top 10 tech stocks and if you look at the companies & performance, you can not go wrong. Of course the risk is higher but a Warren Buffet is also with 40% in apple in it.... ;D

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