1Yr·

Hello everyone,

I'm 20 and I started investing 400 euros a month in February this year.

I'm currently investing regularly this 400 euros in an accumulation plan divided like this:

100euros each on $CSPX (+0.09%) and $IWRD (+0.01%)

Then 50euros each on $XAIX (-2.66%) and $EIMI (-2.75%)

and then 20euros each on $XOM (+1.28%)
$MO (+2.25%)
$MCD (+0.77%)
$DOW (+2.13%) and $CUBE (+0.62%)

at the same time I'm also reinvesting my dividends.

I'm looking to diversificate more my portfolio since most of the stocks I have are based in the North America zone and mostly in the tech industry and I was hoping for some advice on how to have a better diversification and some advice about dividend growth.

9 Comments

1Yr

Great Pft..I would have kept BTC for the next bull run that hasn't started yet....

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Patrick Bonasia@bonny0604

1Yr

@Desertzero I would go back I would keep them and buy more only in those months I had really little experience and I made this trade really at random

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Riccardo@Wiski03

1Yr

Boy little advice if ETFs totally make you 9.30 percent and stocks 7 percent then I suggest you put more in ETFs and don't try to beat the market with those stocks you have. Then I would advise you to sell those stocks under a hundred dollars since they don't make sense. If you have 8 Thousand euros I advise you to review your strategy because either go aggressive or make a pac on ETFs Word

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Patrick Bonasia@bonny0604

1Yr

@Wiski03 then actually on the ETFs I regularly invest 300€ per month fixed while all the other stocks I usually buy them when I have some "leftover" liquidity like 13th, 14th and various money left over, so as time goes by the percentage of ETFs in the portfolio will go up in proportion to the stocks, plus those stocks under 100€ are not randomly thrown in there but even in those 5 I am investing 20€ a month (so 100€) until I get to a decent amount just to increase the dividend income and maybe then that 100€ go and invest it rather in some other ETFs

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Riccardo@Wiski03

1Yr

No need to have all those stocks it's not diversification it's dispersion, if the s&p500 does -10% hypothetical you don't have a covered position.

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Deleted User

1Yr

Comment was deleted

Patrick Bonasia@bonny0604

1Yr

@PowerWordChill I’m currently investing in the USA market mostly since i think it’s the easiest to aknowledge as a newbie and it’s also the one i have more knowledge about.
obviously i know that i need to diversificate more and i want to but i think i need to understand first new markets before than just start investing without a minimum consciousness

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Deleted User

1Yr

Comment was deleted

Patrick Bonasia@bonny0604

1Yr

@UndNun thank you so much for your advice!

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