Hello, GQ community!

I'm 50 years old and I'm very new to this interesting world of investments.

I believe it's never too late to learn something and start a new journey.

I plan to travel for about 15 years 🤞🏼🙂

I watched a lot of YouTube videos before deciding to switch to ETFs from simple deposit accounts. Actually I don't have knowledge yet to invest in individual stocks, so I'll go all-in on a few ETFs, trying to diversify a little bit. They say is good not to be entirely exposed to the US market, even though it should be every portfolio's core.

I started with a 5k allocation and I chose $IWDA (-1.03%) as my core, $SMEA (+0.09%) for the European market and $AASI (+0.7%) for a share of emerging markets ( 👉🏼 I wanted them to be Asian only, but then I realized $AASI (+0.7%) overweight US 🙄 Why its name is so deceiving?)

In short guys, by next week I plan to allocate another 20k to boost my portfolio and then saving every month.

I'd make $IWDA (-1.03%) at least 50% of my position, I'm considering the purchase of some $EIMI (+0.06%) shares (more focused on EM) and maybe soon a crypto ETN/ETC (I still have to understand which is the best offered solution from my broker).

I wouldn't exceed 10% for $WGLD (+0.27%) and 5% for the crypto.

- Do you have any tips?

- Do I already have overlaps?

- Does make sense to save on some $IS3R (-0.93%) shares just to get a tiny boost to my returns?

- Which would be the ideal % for every allocation?

[👉🏼 If I get a negative feedback about $IS3R (-0.93%) and $AASI (+0.7%) I won't sell them, but just let run as it is]

Thanks in advance for any precious opinion!

Hey guys.

I found getquin a couple of months ago and initially just used it to monitor my portfolio.

In the last couple of weeks I have been diving into all the community posts and reading some of the interesting stuff posted here every day. So I decided I wanted to be a part of this and will start by introducing myself and what my thoughts and plans are for my portfolio and future investments.

Currently I am 26 and doing my PhD in molecular biology in Germany. In 2020 after school I took my first steps into the world of investing by opening a fund at my bank through a friend of mine who works there. I started with 2 investments; UniGlobalnet and UniNachhaltig Aktien Global with 25€ per month. I mostly forgot about them during my studies because it was not that easy from time to time, so I did not have that much spare time. I was also lucky that my parents paid for almost everything so I didnt have to work after university. But of course I didnt have a lot of money to invest, so I was happy with the way things were going. Since November 2023 I have been working as a research assistant at a university. The salary is 65% of a TV-L E-13, which is about 1,9k netto. Not much, but I really enjoyed spending large amounts of my first real "earned" money. But after a few months I decided that it would be better to invest it in parts. So I opened an account with finanzen.net and started investing in different kinds of ETFs and other assets like $XDWD (-0.98%)
$VWRL (-0.91%)
$NVDA (-3.63%)
$WGLD (+0.27%) and stuff like that without even knowing what I was doing. It was all fun and games and the returns did not look too bad. Over the course of the month I added a few assets through individual purchases and also added some monthly payments for ETFs or stocks that I found interesting.

A couple of months ago I also signed up to Trade Republic (mainly because I wanted the fancy card) and have been using the cashback and round-up facilities there to do some passive farming, but with no real focus on it.

Now I want to add a bit more structure to my portfolio and wanted to get your opinion on my plans. The one Union Investment funds I want to sell over time, but only 1k a year because of the tax exemption order here in Germany. The money will go into one of the core ETFs. I have made some individual purchases such as $NTMC (+7.91%) and things like that just to see how they perform in the future. I know it's not ideal to hold so many positions with so little money, but they're not in my payment schedule, so I'll just hold them. For the next few years I will only be investing in a few ETFs rather than all the ones currently in the portfolio and will also be reducing some individual stocks to focus on a few. Do you have any suggestions on which ones to hold and which ones to sell?

My aim for the next year is a monthly rate of 350€ (see picture) in different assets and for the long run to buy and hold everything. Im not quite sure what I want to do with the money in the future, that just depends too much on things I cant really say at the moment like my position after the PhD, family etc.

These are just some initial thoughts and I would appreciate any comments or advice from you guys, thanks in advance! :)