Hi everyone,

I’m 28 and planning to invest €80,000 with a long-term, offensive strategy. I’m aiming for broad global diversification, focused on both value and growth. I’m totally fine having 60–70% of my portfolio allocated to the U.S. and with exposure to emerging markets as well.

Here’s a rough outline of the allocation I have in mind:

30–40%
Nasdaq 100
$EQQQ (+0.06%)
$XNAS (+0.09%)
$CSNDX (+0.07%)

15–25%
S&P 500
$VUAG (+0.09%)
$CSPX (+0.1%)
$SPYL (+0.13%)

10%
World ex US
$WEXU (+0.11%)
$IE000R4ZNTN3 (+0.18%)
$EXUS (+0.36%)

10%
Small Cap US Value
$ZPRV (+0.01%)

5% Small Cap World $WSML (-0.07%)
$ZPRS (-0.24%)

5% Emerging Markets (EM)
$EIMI (-0.93%)
$XMME (-1.69%)

5%
EM Small Cap
$SPYX (-0.81%)

5–10%
India UCITS ETF
$FLXI (-0.43%)
$QDV5 (-0.34%)

Additionally (5-10%), I’m considering adding one or two of the following ETFs – would love your thoughts on which one(s) you’d choose and why (or not):

• $SMH (-1.49%) | VanEck Semiconductor UCITS ETF
• $RBOT (-0.59%) | iShares Automation & Robotics UCITS ETF
• $AIQG (-0.83%) | Global X Artificial Intelligence UCITS ETF USD Accumulating
• $XDWT (-0.38%) | Xtrackers MSCI World Information Technology UCITS ETF

Finally, I’m thinking of picking around 10 individual stocks as a satellite component. Any suggestions? 🚀

Curious to hear your feedback:

• What do you think of this ETF setup overall?

• Would you add or remove anything?

• Would you tweak the allocation? If yes, how and why?

I prefer accumulating ETFs only, and I plan to add €1,000–1,500 every month going forward.

Your thoughts are much appreciated! 🙏🏼😀

$VUAG (+0.09%)

Collecting.

2430 shares so far.

🥰

Hello! I'm a software developer new in the investing world. Did my own little research and decided I wanted to start investing.

Since I don't want to spend too much time I'm going all with ETFs (no stock picking). I finally started my portfolio with 6 funds.

Let's see how it goes! Will appreciate any feedback or suggestions 😁😁

P.D. The weights are not correct yet. Is supposed to be:

• $VUAG (+0.09%) : 50%

• $IS3Q (+0.02%) : 20%

• $EXI2 (-0.56%) : 20%

• $EXW1 (-0.14%) : 5%

• $IEMA (-1.34%) : 5%

• $ZPRG (+0.52%) : 10% (as an extra)

It hurts to see Finanzguru showing investments as expenses 😅

I don‘t get the people saying that a purchase was too early.

Even if the person investing says that they’re planning to invest long-term.

Except if you somehow found a way to build a Time Machine, you can never know how to market will do, you can speculate and look at factors but you can‘t know for sure.

I‘m sure everyone has wished that they had bought shares back when e.g. $AAPL (+0.57%) or $GOOGL (-0.13%) were cheap.

Same with the corona pandemic, if you had bought the $VUAG (+0.09%) at it’s lowest point in 2020 you would today be up about 140% - If you had bought it just before the crash you would still be up 80%.

If you‘re planning to buy but want to wait because the market could still go down more, do that - but don’t expect others to do the same 😄

Most people can‘t hear it anymore - me included - but there’s always this one person that believes they can time the market, you can‘t, if you think you did then it was probably luck.

Anyways who am I to say