After a lot of back and forth, I have finally created my first ETF savings plan. This is to be saved monthly, with an investment horizon of at least 15 years, but more likely longer, and I would prefer not to have to change, reallocate or otherwise edit it. Since I'm still very new to the world of investing, I'd like to get the community's opinion ☺ maybe I've overlooked something, not considered it, or just plain done it wrong.
The savings plan is composed as follows:
70% $ISAC
20% Vanguard EUR Eurozone Government Bond UCITS ETF Accumulating (ticker VETA does not work, WKN A2PA8D)
10% $IGLN (+0.05%)
The MSCI as the "risky" part covers developed and emerging markets and is probably a classic. Contrast that with the "low risk" part with the bond ETF. I have oriented myself to the world portfolio of Gerd Kommer. The gold should only be a small addition to reduce the risk a bit.
As for my strategy: I would like to invest in a balanced way, with a focus on passive investment and asset accumulation, combined with occasional individual purchases when I see a good opportunity (as a "boost", so to speak). Since I still have a lot to learn, risky investments are not the main topic right now. Currently, my focus is more on gaining experience than trying to beat the market. The savings plan described above should ideally be a core investment for old age, which is still more than 30 years away 😅 nevertheless it annoys me that I'm only now dealing with this topic at 31....
I would be very happy about tips, corrections, criticism and suggestions of course 😊