Hello everyone,
some of your contributions have motivated me to share something.
Briefly about me: I am 30 years old, employed and have a net income of approx. 3600€ (approx. 4000€ at the beginning of 2025). Quite a new father, so I'm curious to see how I can still maintain and increase my savings goals.
I had to more or less liquidate my savings account in 2021 due to a house purchase, otherwise I would probably already be a bit further ahead.
I'm currently saving €415 a month via savings plans and I also make one-off purchases when it suits me financially.
My portfolio is not yet clear enough for my taste. My goal is the following allocation:
60% ETF
20% individual shares
10% gold
10% P2P
Uniglobal is currently still quite strongly represented. This is a VWL legacy, as my bank advisor recommended it to me at the time. I haven't changed it yet as I had other focal points. But I'm aiming to do that. But I'm not yet sure what exactly I'm saving for.
My goal for the coming months and 1-2 years:
To $IWDA (+0.99%) to ensure that the shares are redistributed automatically. I will leave P2P. I will buy gold as soon as I have cracked the 20k mark (as a reward, so to speak). I will also leave the individual shares I have. In some cases, I also save these via a savings plan ($KTN (-1.71%)
$KO (+1.89%)
$SHEL (+1.41%) and $JNJ (+2.5%) )
In 2 weeks I would like to invest about 1.5k of my Christmas money. Here, too, I am currently leaning towards $IWDA (+0.99%) .
Overall, I'm trying to increase my savings rate, but I'll have to wait and see how this is possible due to my new role as a father. My mother is on parental leave and receives parental allowance.
What would you change in my portfolio if it were yours? I am grateful for any advice and look forward to your comments.
Your Dominik
