2Lun·

Cartera Agosto

Hola a todos. Como buen inversor novato, me predispongo a leer, aprender de todos e intentar aplicar cualquier sugerencia de mejora.

Tras escucharos, he optado por un modelo de cartera básico que pretendo mantener con el tiempo.

Mi perfil es moderado, intentando diversificar geográficamente y usando distintos tipos de inversión.

Planeo plan modesto de 250€/mes repartidas por los distintos ETF, acción y criptos, para ver como va evolucionando.

Mi modelo es núcleo principal y ETF satélites a su alrededor. El núcleo se mantiene estable, y el resto irán aumentando aporte gracias al plan dd inversión.

Núcleo: (Rango 60-70%)

$J6FF22

Satélites: (25-35% ETF)

$VECA (+0,04 %) Bonos

$XDEV (-2,97 %) Mundial

$VHYG (-2,67 %) High Dividend

$FYEM (-3,23 %) Quality

$MVOL (-1,53 %) Low Volat

Materias Primas: (5-10%)

$IGLN (+1,66 %) Physical Gold

$SSLN (+1,69 %) Physical Silver

Como veis bastante diversificado y variado.

Agradezco vuestra valoración y aportes.

10Puestos

30.564,73 €

5,47 %

6

2 Comentarios

Jose@Kspykee

1Lun

Actualización septiembre:
Hace 3 meses que decidí dar el cambio a Trade Republik y hace tres meses que siguiendo vuestros consejos fui reestructurando cartera.

Esta semana ha superado la barrera de 1000€ de beneficio. En tres meses, para una inversión total menor a 30.000€ es buen dato.
El TTWROR se ha situado en beneficio por primera vez en tres meses, lo que me da a entender, que el camino es adecuado.

Para este trimestre, voy a vender el fondo de platino $SPLT y voy a añadir dos nuevos ETF, con una inversión mínima del 5%, como banco de prueba.
$MVOL
$EMMV

Son dos fondos de baja volatilidad, reduciendo la posible inestabilidad del platino ante cambios previstos en tipos de interés de USA y UE.

Queda la cartera asi:
Núcleo MSCI 70%
MSCI Value/ High Dividend 10%
Bonos 13%
Oro y Plata 5%
Criptos 2%

A la espera de las próximas reuniones de bancos centrales, dejo cartera de tipo defensivo, con núcleo MSCI que aporte valor.

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Max

@MaxNts03

3Lun·

Portfolio for early retirement?

Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.

First of all, my situation:

I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.

I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.

I follow the following strategy: Buy & Hold

What do I invest in each month?

$IWDA (-3,61 %) 234€ per month
$EIMI (-4,02 %) 90€ monthly
$SMEA (-1,78 %) 70€ monthly
$EWG2 (+1,07 %) 65€ monthly
$BTC (-2,86 %) : 42€

I also save through VL benefits:

$VHYG (-2,67 %) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (-1,89 %) .

This brings me to a total of €536. A crooked figure, that's true, but it works best for me.

The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.

My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.

I'd be interested to hear your opinion on this in the comments!

19Puestos

7105,52 €

0,16 %

7

5 Comentarios

Snopy@Snopy

3Lun

I like the depot.

$IWDA and $EIMI is a solid basis for a portfolio :)

$SMEA You can do it, but you don't have to. If you want to actively overweight Europe it's ok :)

The only point of criticism for me are the positions below 100€. Especially if you only bought them as a one-off purchase and didn't actively continue to save. What do you want with 78€ in McDonald's if the portfolio is worth more? I would sell them all or continue to save them if you want to keep them.

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Jarvan IV

@profit_mogul_522

11Lun·

Hi everyone !

I plan on investing EUR 1,500 per month (15+ years horizon) into these 9 ETFs and keeping the same allocation in %:

the AI analysis says it is well diversified but some human input would be much appreciated!

thanks in advance for any input 🙏

9Puestos

3,24 %

5

8 Comentarios

beardonfire@beardonfire

11Lun

It doesn’t show the % allocation. Another thing why just not invest in 1 like $SPYI?

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Boss

@DaBoss

1Año·

$VHYG (-2,67 %) is my first acc Fund.

how often the dividends are reinvested, quarterly?

how you get notified when this happens?

do you get fractional shares? Or how it works when the dividend amount does not

match full shares?

2 Comentarios

Thesaurus@Thesaurus

1Año

You dont get notified and you dont get ,,extra‘‘ Shares. The fund reinvests the dividends to buy more stocks, which contributs to a higher price increase of the fund.

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