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Savings plan assessment

Hello everyone!


I'm Patrick, 28 years young and work in the IT sector. I've been on the stock market since the beginning of 2023 and have been a silent reader here for most of the time and have enjoyed following the informative contributions of some others. Now I would like you to evaluate my savings plans.


I am pursuing the following strategy $VWRL (-0,05 %) and the $XMME (-0,25 %) divided into 80/20. and three quality stocks: $BRK.B (+0,3 %) ,$AAPL (+0,24 %) and $ALV (-0,31 %) - and finally gold: $WGLD (+0,37 %)


I still buy individual stocks during the month. Depending on the market and the available capital.


What do you think? The aim is to continue to regularly invest all available funds in order to receive a nice dividend in the long term.


ps: I have just transferred my portfolio to TR, so I can't finalize and post this yet.

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However, I personally would not invest in Apple and Berkshire.
Berkshire still holds a very, very large Apple position. And then you would have 3x Apple. Better to spread the €40 from Apple
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My input on this: If you're saving in the VWRL anyway, what's the point of EM and Acc on top of that, especially if your long-term goal is a nice dividend? 🤔
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But you believe very strongly in emerging markets. You have almost 40% emerging markets?
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Is it intentional that you want to overweight EM if you have an EM ETF in addition to the AllWorld? For me, the EM component in $VWRL would actually be enough and not add to it.
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Why use $VWRL and $XMME? Doesn't it already contain emerging markets?
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I would leave out the individual stocks and invest more in the FTSE or rather an S&P500
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