mein_depot (@seppl6431) on getquin

Hello dear community,

I've been investing for a little over a year now and have learned a lot during this time. I've tried things out and looked for my strategy. It was important to me to just get started before thinking about it and wasting time working on the theory.

My goal: to accumulate as much money as possible in the long term in order to have enough money at the age of ~40 (currently 23). "Fuck-You-Money" and not be dependent on anyone and be able to live off investment income at some point.
Medium-term goal: in 2030: 100K securities account
Short-term goal: to complete a bachelor's degree in finance in 2026

Net worth:

17K cash
7.5K gold (physical)
1.5K silver (physical)
12K securities account
1.2K crypto

Bottom line: just under 40K total capital

Now that I have searched for my strategy, I have found it and would like to pursue the following: a portfolio consisting of 65% ETFs and 35% individual stocks

30% $FGEQ (-0.67%) Fidelity Global Income (distributing)

15% $VUSA (+0%) S&P 500 (distributing)

10% $IBC3 (-1.72%) MSCI Emerging Markets IMI (distributing)

10% $IMEU (-1.43%) MSCI Europe (distributing)

35% Individual shares

In terms of individual stocks, I want to focus on stocks that appeal to me (whether growth or value). Do my own analysis, form an opinion and enjoy seeing people on the street who consume the products I am invested in and who therefore pay my dividend.

I am fully aware that some people say that I should go for accumulating products as I age. Yes, I could do that. But in Austria it doesn't make sense from a tax point of view and psychologically it's always fun when dividends are paid out into your account. In addition, many people think that you should only switch to distributing products once you reach a certain age and then change over. I will save myself the trouble of switching because I have been invested in distributors from the outset.

Now I would like some constructive input from you.

In your opinion, does it make sense $IWDA (-0.43%) (MSCI World) and $VHYL (-1.03%) (All World Dividend) and put everything into the $FGEQ (-0.67%) which I will save in from now on? Or would you keep these positions?
How would you manage the overweight in precious metals? (Largely gifts)
How would you bring the high cash holdings into the market? (Keep 5-6K nest egg)

Crypto will definitely be liquidated this year and reallocated to the portfolio.

Further education and increasing human capital will be pursued on the side anyway.

Many thanks for your ideas and feedback in advance!

Chris@Psychedelic_Sunflower

7Mon

I would work on my speech. "I ask for EVERYONE'S opinion" in bold and sometimes in capital letters is something my boss can write for me, and even he can do it politely.
If that happens, perhaps more people will read the text that follows.
Just as a hint and at the same time the opinion that you, in my opinion, impertinently demanded in writing.

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View all 2 further answers

DerMartin@DerMartin

I wouldn't reallocate but simply rebalance.
The precious metal overweight is reduced every month - I would leave it as it is.
I would spread the cash holdings over 10 months in the market.

Roman@Roman_moed

Would be 65% S&P500 or MSCI World. Is actually doing quite well.

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Fabian@d4Y

I think your approach is good and I wouldn't change anything about the metals either... I would make the deposit in ETFs and shares over about 6 months, if the values fall more sharply during this time you can deposit a little faster...

Alex@AlexBloch

At your age, I would first go all-in S&P500 for 10 years. After that, you can still use the return to gamble with stocks or switch to other ETFs. Later on, large fluctuations will hurt more than at the beginning!

Maximilian@Max095

1Mon

Nice core satellite portfolio! 😊 I would limit myself to a maximum of 2 ETFs.