Hello everyone,
I’ve been on my investment journey for just under 2.5 years now, and I’d be very interested in your critical feedback and opinions.
First, a quick introduction:
I’m 26 years old, work full-time in the steel industry, and my monthly savings amount is currently just under 560€ -> 150€ Nasdaq 100 / 150€ ACWI IMI / 100€ physical gold / 100€ Bitcoin / €60 in a mutual fund policy.
I hope to be able to increase these amounts back to 200/200/100/100/60 in the future.
My investment horizon is about 25–30 years, so that I can transition to part-time work in my mid-50s.
I also have a home savings contract with just under 7.5k, which I consider my emergency fund.
Now, about my investment portfolio:
I have a mutual fund policy through HDI that includes the Vanguard FTSE All-World $VWCE (+0.23%) , Vanguard FTSE Dev. Europe $VWCG (+0.83%) , iShares Core S&P 500 $CSPX (+0.21%) and Franklin FTSE MSCI India $FLXI (+0.41%) . The weightings are 60/15/15/10.
In the future, I plan to simplify this and transfer everything into the FTSE All-World fund.
Basically, I’d like to keep the mutual fund policy because the contract dates back to before 2004, which means it’s tax-free.
I’m contributing about €60 per month with a 5% growth rate until the year 2045. The contract ends in 2069, when I turn 70. However, I can cancel the contract at any time and receive the money tax-free.
The rest of my portfolio consists of my core ETFs: the Xtrackers Nasdaq 100 $XNAS (+0.37%) and the SPDR MSCI ACWI IMI $SPYI (+0.22%) .
This is supplemented by just under 10% Bitcoin $BTC (+3.71%) (Bitvavo) and 10% gold $EWG2 (+1.95%) (the EUWAX isn’t eligible for a savings plan at ING, so I’ve started contributing to WisdomTree instead).
The rest consists of individual stocks, which I used to try to diversify and outperform the market. Unfortunately, that didn’t work at all, and I’ve realized that I lack the time and patience for individual stocks.
Ideas / Target Allocation:
I’d like to keep the portfolio leaner and more streamlined and sell off individual stocks in the near future. Parting with Novo, Nu, and Mastercard isn’t too difficult for me, but I really like Visa and Berkshire, as I’m convinced of their long-term quality.
My target allocation for the portfolio (excluding the fund policy) should therefore look as follows:
35% Nasdaq 100 -> alt. 40%
35% ACWI IMI -> alt. 40%
10% individual stocks -> alt. 0%
10% Bitcoin
10% gold
I’d be interested in your opinions and constructive feedback regarding the portfolio and the allocation. Should I perhaps avoid individual stocks altogether? Is it even a good idea to invest in gold at age 26? With this allocation, does it make sense to also invest in Epi’s Wikifolio $DE000LS9U6W1 (+1.11%) as well?
Thank you all in advance, and I wish you a relaxing Friday and a pleasant weekend!
Best regards,
The Blonde Investor