10Lun·

Hello everyone,


About me:

I am 19 years old, currently doing a federal voluntary year and working part-time in a skydiving park. I will be starting my apprenticeship as an IT specialist in August.


I started investing last month. There are several reasons why I started. On the one hand, I find the subject very interesting and, on the other hand, I would like to have a source of investment for the future.


Until then, I would like to invest a small amount every month. We are looking at between €60 and €100. I know that's not a lot now, but I hope that I can gradually increase it.


I have chosen 3 ETFs.

$VDEV (+0,04 %)

$VEUR (+0,19 %)

$EIMI (-0,07 %)

I have started investing in these. I do this in a 60/20/20 ratio.

I actually like them very much. The American market has the largest share. I want to keep it that way. There is also a small proportion in the European market, as well as a small proportion from the emerging markets.


If I have a little money left over, I would also like to invest it in individual shares. Personally, I would prefer companies that have paid a relatively consistent dividend in recent years. They also have good equity. These are my thoughts.


I look forward to your opinions, advice and criticism :)

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16 Comentarios

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You've put a lot of thought into it, the choices look suitable, it's always good to make your own decision. 👍
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When it comes to ETF's, my go to would be the $VUSA I think it is a very suitable choice and you can never go wrong with the 500 best companies in the US.

When it comes to dividends, I would personally recommend you $O since it is at a fairly low purchase price and it distributes its dividends on a monthly basis. They have also been delivering consistent dividends for the last 50 something years. Keep the good work up💪
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Your top 10 Etf picks look very good: (60/20/20)

Apple Inc USA 2.90%
Microsoft Corp USA 2.88%
Amazon.com USA 1.35%
NVIDIA Corp USA 1.14%
Taiwan Semiconductor Taiwan 1.12%
Samsung Elec South Korea 0.96%
Novo Nordisk Denmark 0.94
Nestle SA Switzerland 0.90%
Alphabet USA 0.81%
ASML Netherlands 0.79%

TER : 0.14% also very good

America 44%
Europe 33%
Asia 23%

I also think the breakdown is very good.

If you invest in shares, perhaps in those that are not so highly weighted in the ETF. For me, shares from Japan, the UK and Brazil are currently very exciting. These often have a low P/E ratio and good growth opportunities.

Otherwise I think your selection is very good.
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Get out of ETFs and pick individual stocks otherwise you won't make enough return
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All good,
except the consideration with the individual shares 🫣
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