Hi everyone!

I've been investing for almost a year now with a small amount of capital, mostly to get familiar with the world of markets and personal finance. I’m 26, conservative investor, and I’ve always kept my distance from trading, YouTube “gurus” and get-rich-quick schemes.

After some time learning and experimenting, I wanted to share my strategy and hear what more experienced investors think.

🧠 The idea: build a modular portfolio with global exposure. Instead of the usual split between developed and emerging markets, I prefer dividing by region — using two ETFs per region: one accumulating and one distributing.

Why both? Honestly, I’m still figuring it out — but I like the idea of having some exposure to dividends while reinvesting long-term. My goal is to reach €50,000 in savings as a milestone, partly because that’s the cap for earning interest on Trade Republic’s savings account (which I’m also using).

⚙️ I invest monthly (~€700) and aim to rebalance the weights annually. I selected ETFs with low TERs and (when possible) EUR-based to avoid currency conversion. It’s not always easy to find the perfect match, but here’s the setup:

• Europe (40%)

ETF (Acc) --> $SMEA (+0,66 %) | ETF(Dist) --> $EQDS (+0,38 %)

• USA (30%)

ETF (Acc) --> $SPPW (+0,56 %) | ETF(Dist) --> $SPY5 (+0,75 %)

• Emergin Markets (20%)

ETF (Acc) --> $EIMI (+0,13 %) | ETF (Dist) --> $IEEM (+0,02 %)

• Gold + BTC (10%)

ETF --> $SGLD (-0,87 %)

The idea is to split each region’s weight equally between the two ETFs — that is, 50% of the region's allocation to each ETF. This results in a total TER of 0.289%.

Would love to hear your thoughts, feedback, or suggestions! Still very new to all this, so any insight from more experienced investors would be super helpful 🙌

Thanks for reading! 🚀

#etfs
#stockanalysis
#dividends
#crypto

Hello everyone,

First of all, my name is Tiago and I'm from Portugal, so there's a chance I'll have some writing mistakes.

I will share with you my Portfolio and my currently ideas.

So, basically I'm a 22 years old boy that became fascinated by this world of investments in the past year. I've been reading a lot of things about the market and how it works. I consider myself a passive investor with a little affection to risk, so once in a while I might add to my portfolio some "FOMO" and "meme" stocks. My currently portfolio basically consists in some ETFs and 3 single stocks $AMD (+2,72 %)
$NU (+2,32 %)
$TSM (+0,97 %) .

I currently have a monthly savings plan of 450€ consisting in diversified ETFs and some bitcoin:

$VUAG (+0,78 %) 159 € S&P 500 35%

$VWCE (+0,57 %) 135 € FTSE-ALL World 30%

$EIMI (+0,13 %) 45 € Emerging Markets 10%

$MEUD (+0,54 %) 45 € Stoxx 600 Europe 10%

$VAGF (+0,06 %) 22 € Global Bonds 5%

$SGLD (-0,87 %) 22 € Gold 5%

$BTC (-0,18 %) 22 € Bitcoin 5 %

Note: I was reinforcing $XNAS (+1,23 %) until last month but the geopolitical scene changed, and I decided that I should not overlap that much in US. That resulted in me moving that allocation to $MEUD (+0,54 %) .

This portfolio gives me around 53% exposure to US, 19% developed markets, 13% emerging markets, 5% gold, 5% bonds and 5% bitcoin.

I know that the % would almost be the same if I only invested in: $VWCE (+0,57 %) +$VAGF (+0,06 %) +$SGLD (-0,87 %) +$BTC (-0,18 %) but I want to have the power to change the allocations and reinforce wherever I want to.

Since I am betting in the whole market I don't expect huge growth unless I reinforce with some bigger amounts when good "dips" arrive.

I have an emergency fund, but no one knows how we will end up in 5 years... that's why if a crisis arrives, I'll use my gold and bonds as liquidity to either reinforce my etfs or use that money myself.

Hello,

What do you think about my investment portfolio? Do you see potential? I started investing in October 2024 and my goal is long-term.

I will continue investing quarterly only in the 3 ETFs and BTC.

This will be the quarterly distribution:

$ISAC (+0,68 %)
iShares MSCI ACWI ETF

42%

$IUIT (+1,49 %)
iShares S&P 500 Info Tech

33%

$SGLD (-0,87 %)
Invesco Physical Gold

18%

$BTC (-0,18 %)
Bitcoin

7%

I won't be buying any more shares of Nvidia, Tesla, Microsoft and XRP but I won't be selling them anytime soon either.

Thanks for your comments :)

I’m opening a position in gold. Next week, I’ll make another contribution. The idea is to have 10% of the capital in gold.

What do you think about gold $SGLD (-0,87 %) in your portfolio? Combined with an All World $VWCE (+0,57 %) I expect that, in small percentages, it can help to further diversify given the fact that it should be completely untied from the market trend

**Gold Surpasses $2,700 for the First Time as Investors Seek Safe Haven**

Gold has recently hit an all-time high, surpassing $2,700 as investors flock to this precious metal amid ongoing global uncertainties. The surge reflects growing concerns about economic stability, pushing more people towards safer investment options.

I personally invest in $SGLD (-0,87 %) (Invesco Physical Gold ETC). As I see, many of you invest through $EWG2 (-0,94 %) but it’s not available in my broker.

What about you? Do you have any investments in gold, and if so, how much weight does it hold in your portfolio? What’s your opinion on $SGLD (-0,87 %)

For more information, check out the full article [here](https://www.bolsamania.com/noticias/pulsos-mercado/oro-supera-2700-dolares-primera-vez-inversores-siguen-buscando-refugio--17727380.html).

is this $SGLD (-0,87 %) the best and cheapest ETC on Gold for European investors?