Hello, dear community,
My 2nd Börsday is approaching and I am taking this opportunity to finally share my portfolio with you.
About me and my strategy: I am an Austrian in my early 40s and dived into the investment universe about 2 ½ years ago, late but still. I was looking for a new project during work-related train journeys, and the stock market and finance had been on my agenda for some time anyway. The first book I came across was Finanzfluss, followed by Gerd Kommer's classic. After six months of intensive research, I finally took the first step and bought my first ETF shares. Since then, the whole thing has become a great passion and the PF has grown quite a bit since then.
My strategy revolves around retirement provision. Of course, a single Allworld ETF would be absolutely sufficient for this, but you know how it is. When you're so deeply involved, you want to tinker around almost every day. That would be too much of a good thing, of course. But in the end, a Core Satellite PF was created that I would like to present to you:
🥑The core consists of MSCI World ($SPPW (+0,68 %)) and EM ($XMME (-1,94 %)) in the classic 70/30 weighting. They are simply saved stubbornly and bought from my cash reserve in the event of larger dips.
🛰:
🪙 Gold in physical form has given me a lot of pleasure recently!
With $BTC (+3,2 %) I recently got my foot in the door. If there are setbacks again, the savings plan will be triggered. $ETH (+1,54 %) I'm not yet holding any physical stocks, but will add to them if they weaken. My crypto PF should not have more positions and should not account for more than 5% in total.
📈The individual stocks are my hobby, so to speak, and should never have more than ten positions and should not make up more than 10% of the PF in the long term. Here I have a mix of sectors, regions (of course, the USA is at the forefront and $NVDA (-0,03 %) must not be missing), dividend stocks, growth. There are also two speculative legacy investments. They will stay there, I can possibly cope with the total loss and if they do go to the moon one day, I won't mind.
💰I briefly mentioned the cash position. It is (still) earning good interest in the clearing account, should be around 15% of the PF and will be tapped from time to time during setbacks.
I also have money in an extra call money account for short to medium-term investments. However, I haven't entered this here and consider it a separate investment.
So that's how it all looks, I can live with it quite well and sleep peacefully. Thanks for reading and I hope you like it.