1D·

The savings plan governs this.

In March 2025, I made a clean break and sold everything; since then, I've been investing in ETFs.

$TDIV (-0.42%) I contribute monthly, and the savings plan is increased annually.

$LDGL (-0.07%) I make annual top-ups.

$VWRL (+0.02%) This is funded through my capital-forming allowance.

$autom (-0.67%)I’ll sell at the beginning of next year—I’ve been using my capital formation allowance to contribute to this.

I want to keep it simple and straightforward. According to AI, it’ll add up to a nice sum by 2040, and I never want to sell this portfolio. What do you think?

7 Comments

You could do that, but right now you’re overweight in the financial sector at 41%, underweight in the U.S. at just 17.5%, and overweight in Europe at 49%. Emerging markets and small-caps are completely missing. For a portfolio you never intend to sell, I’d find this too unbalanced and would prefer to build a proper global ETF (e.g., an ACWI IMI) as the core.

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Oktoberfest@Oktoberfest

I don't need the U.S. either; the ETFs are rebalanced every six months anyway, and their performance doesn't necessarily speak against them. But thanks for your take on it.

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Zerax@Zerax

@Oktoberfest Never bet against America ;) I'd also adjust the weightings a bit and add some small-cap and emerging market stocks, as @Da_Fischi has already pointed out, but otherwise I really like the "keep it simple" approach.

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Oktoberfest@Oktoberfest

@Zerax I'm not looking for maximum returns; I'm just interested in dividends and a little growth. That's why I can do just fine without investing in the U.S. Thanks anyway for your take on it—time will tell which was the “right” decision :) For me personally, this approach is just a bit less stressful, and at this point, I’d even settle for a slightly lower return 😅

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Olli@Olli68

I like it. I'd just add a little more salt to the $IUIT

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Kai@Dividenden-Sammler

Well, I wouldn't like it either, and I can only agree with @Da_Fischi on that point

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Oktoberfest@Oktoberfest

Okay, thanks for your input. Since the ETFs are rebalanced every six months, I'm satisfied and don't have to worry about it.

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