Hey :)

I'm no longer completely new to getquin, but I've never really received or asked for detailed feedback on my portfolio before. Now, at the end of the year, I'm taking the time and looking forward to your answers.

I am currently still 17 years old and therefore still have a lot of time before I retire. Despite my desire to be financially independent as early as possible, my aim is therefore to achieve long-term, sustainable growth without having to restrict myself too much financially.

My portfolio is based exclusively on ETFs, as I neither have the desire nor the time to invest in individual companies. Of course, this is also possible without a lot of time, but then combined with a lack of knowledge - not my goal. Instead, I use 3 ETFs to achieve global diversification and thus minimize risk. With the $EMWE (+0,34 %) I form the basis and invest in the MSCI World. My portfolio is supplemented with the $XZEU (+0,9 %) to strengthen the European share and with the $EMSRI (+0,51 %) so that emerging markets are also represented in my portfolio and a US cluster risk is reduced as far as possible. What all three ETFs have in common is that they follow ESG and SRI criteria. There are certainly different views on how sensible this is in the end - but I personally feel more comfortable with these investments, which are at least greener.

In future, I would like to steadily increase my current savings rate of around 50 euros per month as my income grows. The percentage distribution of my savings rates per ETF should be based on the 50 / 30 / 20 or 50 / 20 / 30 model, even if the actual percentage distribution in my portfolio currently looks different. However, I don't see any need for rebalancing at the moment - what is doing well can continue to do so; what is doing badly doesn't have to take up a larger share. In future, too, I would prefer to focus on safer, lower-risk forms of investment and not on "good luck" gambles.

Please let me know your thoughts on all this. What do you think is good? What would you do differently?