2D·

Consider ETF + 3 shares?

Strategy adjustment necessary?

Hello everyone,

I'm currently considering making my portfolio leaner and more focused. My plan would be to invest in just one ETF, three shares and two cryptos (Bitcoin & Kaspa) via a savings plan. I see Kaspa as the "silver" of the crypto world in the long term - i.e. a strong complement to BTC.

What concerns me:

I am currently still holding $MSTR (-1.08%) and $GOOGL (+1.9%) but I'm thinking about selling both.$MSTR (-1.08%) is just an extreme BTC bet, and since I'm holding BTC directly anyway, it's almost too much risk for me now. $GOOGL (+1.9%) is of course a tech giant, but I believe that the return potential will diminish over the next few years.

Where to put the cash?

- Either simply put it into my ETF.

- Or in $NU (-1.31%) because I think that fintech growth will really pick up speed there.

My savings plan currently looks like this:

- $CSPX (-0.18%) 200€ per month

- Individual securities: 3x €40 per month

- BTC & KAS: still open, but probably also via savings plan

With a portfolio value of 7.800€ I wonder whether that is already too many stocks. Should I reduce even further or is this suitable for a long-term plan?

I'm open to completely different approaches - maybe I'm missing something. What do you think?

15 Comments

You Americans are strange, buying an Irish ETF to follow your S&P500... No seriously, you are German but only invest in US stocks and crypto, you are missing out on European beauties. Put your money towards a good European ETF, msci Europe or Eurostoxx 600 😎

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Gi Vey@Nofan

@JorisInvests ???

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Joris@JorisInvests

@Nofan it is just that a lot of European money is flowing towards the US and by doing that it is becoming a self fulfilling prophecy that the US stocks are doing better than European. But European companies are great. We should put more money towards our companies. I'm just telling the same thing to my fellow Europeans as Buffet, Bogle,... and many other Americans to their fellow Americans.

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Trilly424242@Trilly424242

@JorisInvests which ones ? There are not many big players

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Joris@JorisInvests

@Trilly424242 SAP, ASML, LVMH, Novo Nordisk, Shell, Nestlé, Roche, Novartis, AB Inbev, Siemens, HSBC,...

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Fabian@d4Y

If you want to invest for the long term, I would recommend starting with 40% USA, 30% EM 20% EU 5% gold and 5% BTC and then gamble a little to get to know the market better.

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Hebel-Horst@DoppelSchlechtMinus

@d4Y that is a very solid 110% investment

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Fabian@d4Y

@DoppelSchlechtMinus haha, you're right... thanks for the tip 🙂

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Lore@LoreG

if you prefer to invest in ETF and cover "all" world I can suggest you to invest in MEUD (for europe), EIMI (for emerging) and SWDA. With those 3 ETF you cover all world. I'm trying it and it's not bad

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Thanos@Thanos01

12H

I only see hype stocks in your portfolio, as if you had simply bought everything that is most frequently mentioned by the Finfluenzas. This is not a long-term portfolio and above all the opposite of crisis-proof. It's also a tech orgy... I recommend getting rid of everything except for Palantir and Bitcoin and then putting everything in a world ETF that you save in monthly and try to somehow improve your savings rate privately. Once your portfolio is at 10-15 K, you can start buying your first satellites. But then it's best to be well diversified by sector. You are 18, your leverage is time, use it.
I wish you every success!

*no investment advice

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Thanos@Thanos01

12H

@Thanos01 I would also leave the alphabet

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Wiktor_06@Wiktor_06

11H

@Thanos01 Thank you for this great text

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Thanos@Thanos01

11H

@Wiktor_06 I really don't mean any harm. It sounds a bit harsh, I know. I would just really recommend that you change your strategy, especially because you are so young you have enormous potential. With a little rebuilding, you'll make mega returns in a few years

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Wiktor_06@Wiktor_06

11H

@Thanos01 Thank you so much for your time and explanation. You're right, I like to be influenced by here on getquin from time to time.
And I like to sell something quickly (at a profit) to invest in "hype" stocks. So far (5 months) it has worked relatively well.
But I definitely understand your way of thinking and am considering using it.
However, I am personally a risk-taking type of investor and I find these "boring" ETFs and 2 stocks "boring". And I like to have more risk tolerance.

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Thanos@Thanos01

11H

@Wiktor_06 Of course I can also understand, in this case I recommend the ETF as security and foundation and then just make sure that you invest mainly in value "old & boring" and with 10-20% of your capital you can then also make a few bets.

Either way, you have to think about a strategy that suits you and that you can work with. If it still works, it will work

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