1Mon·

New investor - What do you think?

I started investing at the beginning of the month and have spent the last three weeks building up a portfolio with the aim of accumulating wealth over the long term. I am now relatively familiar with the topic, have analyzed many strategies and have decided on an approach based on two pillars:

1. growth portfolio:

I invest in broadly diversified ETFs such as the $VWCE (-0.01%)combined with thematic focuses such as $XAIX (+0.5%) and the healthcare sector. I also invest in individual stocks such as $NVDA (+0.07%), $BRK.B (+0.31%) or $TTWO (-0.66%) - the latter deliberately as a small position for the speculative component (GTA VI hype is realistically not entirely irrelevant).

2. distributing dividend portfolio:

Here I am betting on classic dividend stocks. These include the $VHYL (-0.12%), $SPYW, (+0.03%)
$SEDY (+0.09%) as well as individual stocks such as $KO (-0.02%) or $ALV (+1.19%). The aim is to generate a steady cash flow that can be reinvested in the long term.

I am aware that there is no perfect distribution. That's why I'm interested in your opinion:

Which stocks would you weight higher or reduce?
Is there anything that doesn't fit in at all from your point of view?
How do you balance growth and dividends?

I am open to criticism, experience and other perspectives.

15Positions

0.86%

6 Comments

Philip Buß@GoldenShield

1Mon

I think the positions are good in themselves, but I am not a fan of theme ETFs at all. In my view, they suggest diversification where there is none. That's why you tend to have a lot of ETFs in your portfolio (one for AI, one for defense, etc.).
But with the All World you will beat them in the long term and you can't go far wrong with individual stocks ( $NVDA or $ALV).

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jtaube76@jtaube76

1Mon

@GoldenShield too many etf , invest more in good companies

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Kochi@K0chi

1Mon

Would muck out. The positions always sound super cool at the beginning. Digitalization? Yes is needed, must increase -> buy. Same with Health, ai, etc. I felt the same way, it's not bad. I can understand the tt bet, gta6 will be safe cool. Well, you can't go wrong with Coke and Allianz, Allianz is one of my favorite companies. Would simplify anyway:
$VWRL 70%
$BTC 15%
$EWG2 15%
or something like that

I'm sure @Epi should like that too ;)

The divi growth potential of the FTSE is underestimated, apart from that, returns are often left behind if you go for (high) distributions. @lawinvest or @DonkeyInvestor are good discussion partners for $VWRL instead of high divi etfs.

I would leave out all the theme stuff, EM is no longer necessarily needed with the All World, because it also partially covers emerging markets. You can of course deliberately overweight to US big tech, which is what I do, but the next 3 years in particular are uncertain as to what will happen there.

You can of course also somehow cobble in a few satellite stocks for divi (growth) such as Allianz or Pepsi, Visa, Iberdrola, whatever. Of course, it depends on the stocks, which I don't see in your portfolio. But the important thing is that you've started. Good job

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Epi@Epi

1Mon

@K0chi That's right, I like the asset combination! 👍
The weighting can be adjusted to suit your risk appetite. Defensive: 65% ACWI, 30% gold, 5% BTC to offensive: 55% ACWI, 30% gold, 15% BTC.

Alternatively, you can also run an SMA200 as a signal to reduce the vola.

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Leonardo@FascioeMartello

1Mon

Seems to me like you bought a lot of stuff that probably you don't really understand very deeply, I'll be 100% honet, I'm worried you are going to lose money, a lot of money. It's not bad at all to have individual stock nor theme ETFs IF you understand the sectors and the companies behind it, for the first months you should do like 25% on an index etf (sp500 or nasdaq100 when the price drops) 65/70% individual stock or theme etf that YOU understand, not your friend, your relatives or your dog, YOU. Then the most important part: you wait and keep a little cash to buy when the market drops, but you have to understand the company, that's the most important part, and you have to be patient, even if it does -20%/-30% in a day is not a big deal IF the fundamentals are fine, it's an opportunity to buy more

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maselio@maselio

1Mon

@FascioeMartello thank you very much for your view, it helps a lot to improve my portfolio 🫶

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