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Hello dear community,


I am 21 years old and have been active on the stock market for about a year, sometimes more actively, sometimes more passively, depending on how much money is left over in addition to the savings plan. I follow the classic core satellite strategy with 70% in ETFs and 30% in equities. The aim is to get volume into the portfolio and reach €100,000.


At the moment I'm in training and live at home and can save €450 per month with a savings plan and a little extra from time to time.


At the moment I do it as follows:

220€ in $IWDA (+0 %)

95€ in $EIMI (-0,05 %)

67€ in $MSFT (-0,1 %)

67€ in $ALV (+0,31 %)


I still have about 2000€ left that I would like to invest, does it make sense with such a sum in relation to the portfolio to invest it all at once or spread over 2/3 months, I just don't have the experience to know.


From next year I'll be studying and won't be able to save as much, so I'm a bit unsure about the strategy. Does it make more sense to switch completely to the 70/30 strategy or to stick with the strategy with my goal in mind?


I am open to tips and suggestions for improvement.

Thank you very much :)

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At your age, I would invest a100% in shares.
But of course you have to buy the right stocks
4
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Pour the 2000,- into the Core Etf without mercy.

Cost average effect <- answers whether it is worthwhile for you to buy in monthly tranches.

As a guideline, I would first say that you should try to place 10k on your Core Etf and then build on it.
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Why 70/30 and not all-world?
It would save me the transaction costs of rebalancing while you are still so young and haven't been investing in ETFs for decades.
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