(@bugra) en getquin

1Lun·

Hello everyone,

I would like to introduce you to my simple but fine portfolio. First about me, I'm 21, a student and still live at home. I started investing almost six months ago and have now switched from my initial foolishness to a more proven concept.

I plan to build up my portfolio into old age and will increase my savings plan rate from €70 to €200 from next year onwards - possibly even higher with more. The $CSPX (+0,32 %) weighting will be reduced to 20% in the future, while I'm not sure whether $VWCE (+0,17 %) unsure whether I should keep it or replace it with the $K0MR (+0,24 %) (despite the higher costs) or the $SPYI (+0,26 %) which seems attractive mainly because of the broader diversification. $VWCE (+0,17 %) seems attractive.

I realize at the end of the day that this doesn't make the roast any fatter, nevertheless I would appreciate your opinions and thanks to anyone who has read through this.

Thank you!

6 Comentarios

1Lun

1. don't switch too often, this is more important than deciding which All World you take.
2. Your savings rate has a much greater impact in the long term. So at your age, it's mainly performance during your studies that counts. If you can keep €200 without any problems, great. But don't start cutting out a hobby to get to 220. You start early, which is the most important step. Stubbornly and steadily stick to your savings plan, through good times and bad. And, of course, adjust it upwards if possible. Don't forget about life on the side 🙃

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Ver todas las 3 respuestas adicionales

SemiGrowth@SemiGrowth

1Lun

Very good, your learning curve was small. Don't make it too complicated, the $VWCE is diversified enough. The performance over the year does not even differ by one percent from the $SPYI

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Thomas@UndNun

1Lun

Please have a look at this video, it's solid advice: https://youtu.be/05muePC_hyo

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