Goal: A globally diversified portfolio via a savings plan

Option 1:

Everything in the $VWRL (+0,1 %)

Option 2:

50% $VUSA (+0,05 %)

15% $EIMI (+0,5 %)

15% $VEUR (+0,53 %)

5% $VJPN (-0,76 %)

5% $VAPX (+1,39 %)

10% $WSML (-0,1 %)

What do you think?

Option 1 would be the simpler approach. No rebalancing. Unscheduled purchases or sales with an ETF are easier and more fee-friendly.

Option 2 allows more control in terms of weighting, so I could reduce the US share from $VWRL (+0,1 %) from 62% to 45-50%. In option 2 it would also be possible to swap the S&P 500 for Nasdaq or Amumbo depending on the market cycle to get more performance out of it without the risk of a US overweight.

Hello dear community,

I am 22 years old and have been investing since 2022.

I am aware of the high risk with $NOVO B (+0,53 %) but see more opportunities. I would also like to set up a savings plan for the $VWRL (+0,1 %)
$AMZN (-1,09 %)
$GOOGL (-0,04 %) and $MSFT (+0,23 %) start. Are there any suggestions for improvement?

After I had to sell everything and can now start again 🙌

the first start first 8 pieces 😄

and again savings plan on it

Now that I was forced by my financial emergency to go to the depot and $RMS (+0,12 %) which I now had to wait for because it was sent over from another deposit to Trade Republic, my pride and joy was actually that I had it and could afford it :( maybe just do a savings plan on it What do you think?

But since the money wasn't enough for everything, it's really annoying because I also bought shares before, and I had put my cash reserve in for the purchases. But well

But sometimes it happens in life that something unexpected happens where you don't expect it and it throws you a little out of joint :/ There's just no other way and then private things are more important than the portfolio ......

And because I still didn't have enough money, I decided to go for the ETF $VWRL (+0,1 %) to get out of this financial situation, which has now worked out, thank God 🙏!!!!.

Everything is now back on track and now I can continue to manage the portfolio as normal, even if it's now completely out of kilter proportionally because the shares are totally overweight, but hopefully that will come back over time thanks to the ETF, which is where most of the money goes in every month.

I hadn't touched the shares. It was bad enough having to touch them in the first place. except for $RMS (+0,12 %)

except for the new shares I had bought

$6501 (+2,03 %)

it was annoying but I think there are good opportunities again where you might be able to get in at some point

the shares are saved monthly with 50 € per share

the etf with 250 € depending on the month of course more

In my opinion, everything is represented by a good mix of all possible different sections, which puts me in a good position for the next few years. And now that all the problems are out of the way, I can only focus fully on the portfolio here

Energy, luxury, consumer goods, industry, telecommunications, real estate, food, gastronomy, healthcare, software companies, military and defense, banking and insurance.

Enton 🦆 has been with us for a year now and invests €200 a month in ETFs and shares.

In the beginning, he made some typical rookie mistakes - for example, when he switched from Scalable Capital to Trade Republic, he didn't simply transfer everything out and back in again manually. But well, it happens.

His goal is to build up long-term assets so that he has additional financial resources available when he retires.

However, his portfolio is heavily weighted towards the US market, which is why he is now wondering whether his next investment should be in individual shares or a broad-based ETF - and when would be the right time to do so.

He usually invests €50 of his €200 per month in each investment. But sometimes he also puts €100 into the $VWRL (+0,1 %) and the remaining €100 in two other positions of €50 each.

After a thorough analysis of the ETF Guide from @RealMichaelScott I have settled on the second model FTSE ALL WORLD + SMALL CAPS (85% / 15%). (Many thanks for the great analysis at this point)

📉In view of the current situation and the criticism that is ultimately being leveled at ETFs with a 70% US exposure, I am now asking myself whether it really still makes sense and is in keeping with the times to invest 85% in an ETF with such a heavy US exposure. 😟

The following All Worlds are currently available (85%):

$UETW (-0,07 %) - particularly low TER

$VWCE (+0,1 %)

small caps (15%):

$WSML (-0,1 %)

👾Through this reallocation, I would like to escape my current, far too expensive Deka funds and build up the largest investment portion in my Core Satelite strategy in the form of a WORLD ETFS.

What is your assessment? Do you have any suggestions? Thank you very much and have a great start to the weekend! 🥳