Dear Community

I would like to educate myself about investing and am looking for suitable reading material. I would like to cover the following topics:

Cryptocurrencies (V.A Bitcoin) - I don't have a cold wallet and hold my cryptocurrency via bitpanda

Individual stocks - primarily stock picking, company, report and sector analysis, stock picking, growth stocks, etc.

Portfolio analysis - core/satelite strategies, risk/return trade-offs, coverage of sectors, countries, trends, etc.

ETFs - selection of suitable ETFs taking into account dividends, TER, performance, etc.

Do you have any good books, papers, journals or other reading that you have read and found relevant?

Briefly about me: I am 24 years old, live in Switzerland and am currently working part-time while studying part-time. I invest monthly in the $FWRG (+0,44 %) and hold a few individual stocks and selected cryptocurrencies. My investment horizon is +15 years.

Thank you in advance for your suggestions!

The same thing happens again and again: Stocks like Novo Nordisk
$NOVO B (+2,36 %) or UnitedHealth $UNH (+1,74 %) lose a lot of value and suddenly everyone senses a great opportunity to get in. "Now the share is cheap!", they say. But be careful: a falling share price does not automatically make a share attractive.

There are almost always reasons for share price falls. In the case of UnitedHealth, for example, political risks and growing competition in the healthcare sector are causing uncertainty. At Novo Nordisk, the hype surrounding weight-loss drugs is being held back by real supply problems and high valuations.

Many investors are buying into the falling knife because it looks like a "bargain" but price does not equal value! A company that costs 30-60% less today can still be too expensive if the prospects are poor.

👉 Instead of betting on individual stocks, broadly diversified ETFs such as the FTSE All-World $VWRL (+0,01 %)
$FWRG (+0,44 %) provide a better balance of risk and return:

- More than 3000 companies

- Cross-sector - tech, pharma, industrials, consumer, financials, etc.

- No cluster risk: if one company stumbles, others pick it up

- Proven Long-term return of 6-8 % p.a. over decades

Additional tips from the Lord:

If you are still looking for excess returns or additional diversification, get 2-3 more satellites such as Bitcoin $BTC (+0,08 %) , gold $ZGLD or a Nasdaq Etf $XNAS (+0,08 %).

Conclusion:

Buying cheap is good, but only if you know what you are actually buying and not because the price was there once and has now fallen by a few percent. This is not the way to strong returns in the long term, but only entertaining gambling fantasies. Better go to the casino for that! Individual stocks can dazzle in the short term, but disappoint in the long term. An all-world ETF is boring but exactly the opposite in terms of returns.

Thanks for reading your Sith Lord Vader!

#etfs
#crypto
#growth
#personalstrategy
#ETF
#Investieren
#FTSEAllWorld
#Finanzbildung
#LangfristigInvestieren
#Vermögensaufbau

#FinanzielleFreiheit
#BuyAndHold
#Diversifikation

#Geldanlage

In the world of investing, structure and weighting are crucial, especially if you want to build a sustainable and high-yielding portfolio. The following chart shows my target weighting

target weighting, based on the core-satellite principle. This model combines stability with targeted growth potential, a balance between risk and opportunity.

The portfolio structure at a glance:

1. core component - 73.7% (between 70-80%) FTSE All-World (blue) $VWRL (+0,01 %)
and $FWRG (+0,44 %) The majority of my portfolio is made up of the FTSE All-World ETFwhich tracks over 4,000 companies worldwide. This broad diversification is the basis for long-term asset accumulation and protects against individual risks.

Advantages:

• Worldwide diversification in industrialized and emerging countries
• Automatic access to the world's largest companies
• High stability with moderate risk
• Automatic rebalancing if, for example, America loses economic power.

2. satellite components - 26.3% (max. 30%) opportunity-oriented additions

These components increase the return potential through targeted investments outside the broad market index:

- 15.8 % Bitcoin (brown) $BTC (+0,08 %)

I see Bitcoin as a promising but volatile investment. As a decentralized store of value and possible "digital gold", it can benefit greatly in the long term, especially if demonetization continues or institutional acceptance grows.

- 10.5 % gold ETF (orange) $ZGLD

This is a physically deposited gold ETFa classic safe haven with digital access. Gold has historically provided reliable protection against inflation, geopolitical uncertainty and currency risks. ZGLD combines these advantages with the efficiency of an ETF.

(Currently: portfolio still has too little gold and All-World monthly savings plan runs on the FWRG and weekly savings plan on the ZGLD.

Bitcoin is more of a lump sum if more fallen and aligned to 4-year cycle.

Otherwise just a small gamble on Take-Two $TTWO (-0,12 %) with the GTA 6 hype going on but will then be sold shortly before release and regrouped).

Why this portfolio?

The core-satellite model offers me several advantages:

• Stability through the core share (FTSE All-World)
• Flexibility & innovation through satellites (Bitcoin and gold)
• Risk control through clear weightings

It is a portfolio that is designed for the long term, i.e. not a short-term speculative portfolio, but a well thought-out structure with a strategic focus on the next 10-40 years.

Possible further developments

Of course, no portfolio is set in stone or perfect. Here are a few considerations for possible further development:

• Further satellite ideasEmerging markets, AI ETFs, small caps, dividend stocks
• Rebalancing strategy: Review the weighting once a year and adjust if necessary
• Hedging strategiesE.g. through cash quota or bonds for times of crisis

And now it's up to you:

• What does your portfolio weighting look like?
• Are you more interested in stability or do you take more risk?
• What role do crypto or precious metals play in your strategy?
• Do you also use the core-satellite model or do you take a different approach?

I look forward to your input, your experiences and your questions in the comments!

Your Lord Vader!

#etf
#cryoto
#gold
#langfristig

Tariffs, protectionism and an America First mentality that does more harm than good. But what does this have to do with your finances? Quite a lot. Trump's economic policy is a good example of why you shouldn't just rely on the USA as an investment location and why ego in politics can cost you your investment returns in the long term.

Tariffs: expensive, pointless, harmful

One of Trump's favorite tools was (and is) the tariff stick. Whether against China, Europe or Mexico. Trump believes that higher tariffs will protect American jobs and strengthen the domestic economy. In reality, however, these measures have had one main effect: rising prices for consumers, growing uncertainty for companies, the stock market and declining competitiveness.

Example: The punitive tariffs on Chinese products have forced many US companies to either accept higher purchase prices or make expensive changes to their supply chains. Consumers and investors ultimately pay the price when company profits come under pressure.

His ego: above all else

Trump's actions are not economically rational, but impulsive and egocentric. Decisions are often made on instinct or, worse still, to nurture his own ego. Economic logic or long-term planning? Probably not the case.

The problem: the markets don't like uncertainty. If one man introduces tariffs, terminates contracts or strains trade relations out of spite or a desire to make a name for himself, this becomes a political risk, one that can have a direct impact on your portfolio.

Conclusion: Why you shouldn't just bet on the USA

Although the USA is an important business location with many innovative companies, it is not the world. Anyone who invests their money exclusively in US equities or in a pure S&P 500 ETF is taking a cluster risk, both politically and economically. Trump's time in office has impressively demonstrated how quickly an environment that is considered safe can turn into a highly dangerous playground for political arbitrariness.

My tip: World ETF, Bitcoin and/or gold instead of ego roulette and cluster risk

In the long term, you are best off with a globally diversified ETFfor example on the MSCI World $IWDC (-0,19 %) or FTSE All-World $VWRL (+0,01 %)
$FWRG (+0,44 %) . This spreads your risk across many countries and sectors and makes you less dependent on whether a single president is in a good or bad mood. If you want other assets, I recommend a manageable share of Bitcoin $BTC (+0,08 %) and/or gold $ZGLD!

Trump shows how irrational politics can be. Your investment should be exactly the opposite: rational, broadly diversified and long-term oriented.

Bottom line: Trump stinks - economically speaking (perhaps literally). His tariffs do more harm than good and his ego is a ticking time bomb for the markets. If you invest wisely, you won't be rattled by this, but will focus on the whole world instead of a single political uncertainty factor.

What is your opinion on this? What do you do with your portfolio in times like these?

Your Lord Vader!

#etfs
#crypto
#gold
#trump
#langfristig
#finanzen
#politik