Hi all,

I'm new on the GQ community and started looking into investments roughly by the end of November last year. I’m in my early 30s and currently have a modest portfolio that I manage using a buy and hold strategy, focusing primarily on long-term growth with a small portion allocated to more speculative stocks I believe in (I'm in the field of AI myself).

The bulk of my portfolio is in a world ETF for simplicity and stability ($FWRG (-0,28 %) , which I prefer since it's new and has a lower TER than the $VWCE (-0,38 %)) with a smaller speculative portion for fun, like some positions in $NVDA (-1,25 %) , $ASML (-0,63 %)
$XAIX (-0,23 %) ).

Beyond the numbers in my portfolio, I have also saved enough to cover around 1.5 years of expenses as an emergency fund, plus extra funds for legal fees and a potential down payment for a house next year. This is why my investment capital might seem modest for now.

For additional liquidity and some testing, I also use Go&Grow from Bondora to generate some extra cash flow at 6.75%, which is far better than my bank’s 1.8% after-tax rate. I briefly considered Trade Republic’s savings account, but the interest rate keeps declining, and since I may move countries in the near future, I decided against it. Based on reviews and customer support feedback, moving countries with TR can be complicated. Instead, I’d rather take a slightly lower return but keep my cash more accessible—the bulk of it in my bank account (even if below inflation) and a "testing" component in Bondora, despite it not being covered by EU deposit protection.

My current strategy for now is to maintain a 70-80% allocation in $FWRG (-0,28 %) and keep the rest in speculative stocks / ETFs for "fun". I’m planning to contribute €800-1000 per month on average to my portfolio (just for ETF/stocks part, not for cash) throughout this year.

Since my investment horizon is long-term (retirement-focused), does it make sense to continue with this buy-and-hold approach? Should I consider any adjustments (like simplifying the portfolio further, I know it's not very diversified, or adding other speculative stocks by keeping the 80:20 allocation), or am I on the right track?

Would love to hear your thoughts.

Hi,

I started investing in the$VWRL (-0,39 %) I am now around 3k in but I am getting more interested in dividend portfolios. Is it a good idea to split my investment to go in a accumulating world etf like $FWRG (-0,28 %) and the other half into dividend stocks like $JEGP (-0,47 %) ? Or should I stick to one or the other?

Hi, I invested in the$VWRL (-0,39 %) but I think I am gonna switch to $FWRG (-0,28 %) ( let me know what you think). I am also interested in dividend stocks like $JEGP (-0,47 %) and $TDIV (-0,32 %) is it a smart move to get such etf or is it better to get something like $PEP (-0,03 %) . Any other advise is welcome!!

Do you think the market is expensive?

I'm afraid of holding euros, xd, and that in the future I won’t be able to contribute as much.

I am starting my investment journey and trying to pick good options to invest in. First question would be the difference between $VWCE (-0,38 %) and $FWRG (-0,28 %) , invesco seems to have less companies, but has better performance in 2024. I would appreciate any help. As I am 18 years old now, I would like to have small to no bonds in portfolio

$FWRG (-0,28 %) with a cost of 0.15% this is my new alternative to $VWCE (-0,38 %)