10Mon·

Feedback on the portfolio

Hi everyone,

I am 21 years old and have been actively investing myself since 2019, before that my parents started investing money for me.

Now I started working at the beginning of the year and can currently invest €1000 per month, but I'm thinking about increasing it again if necessary, as I have enough left over at the end of the month.

I am currently saving $BRK.B (-0.01%)
$NVDA (+0.32%)
$AAPL (-0.66%)
$MSFT (-0.44%) and $META (-0.7%) with 50€ each.

The ETFs $UST (-0.52%)
$LYPS (-0.31%)
$LYY7 (-0.42%)
$IWRD (-0.47%) and $LOCK (-1.19%) with 150€ each.

I would like some feedback on what you think about diversification in the savings plan, or whether I should invest more in shares at a young age.

I will also be joining Trade Republic next month and will also be focusing on short-term trades as I have been looking into this a bit more recently.

I look forward to your feedback and what could be adjusted in general.

Best regards!

6 Comments

10Mon

Why do you have so many ETFs? Doesn't make sense in my opinion

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Lim@Lim03

10Mon

@FYBSTRD That's why I'm asking here :)
What would you recommend?

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Metis@Metis

10Mon

@Lim03 The question is rather, what is your goal with your portfolio? Then you can also make qualified statements.

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Lim@Lim03

10Mon

@Metis My goal is to build up assets and currently also with higher risk and hopefully higher returns. However, I don't want to actively manage too much, i.e. a healthy middle ground

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Metis@Metis

10Mon

@Lim03 I assume you mean building wealth in the long term?

A good long-term basis is actually always one of the global ETFs, the $IWDA for example or the $VWRL, depending on what you want to cover in detail.
You can of course also trade shares, but very few people do better in the long term than the ETFs just mentioned.
As a young person, you can of course start with 70% equities and 30% ETFs, for example, but it depends on how much effort you want to put in at the end of the day. Whether it makes more sense to increase the ETF share or even include something like Bitcoin.

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Erzwo@FYBSTRD

10Mon

@Lim03 Either an MSCI World ETF or one on the Nasdaq 100 - keep it simple.

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