Hi everyone! 🤝
Since I’ve been following along here for a while now, I’d like to share my portfolio again today to get your feedback. A little about me: I’m 31 years old, work as a team leader in product management, and have a very clear long-term investment horizon (buy and hold).
I’m currently contributing €800 a month to my investment account.
🔍 The Current Situation
My portfolio is currently quite concentrated and heavily influenced by my convictions in the tech sector:
The foundation: The FTSE All-World $VWCE (+0,44 %) ETF, which makes up just under 27% of my portfolio.
The individual stocks: The remaining positions are spread across a handful of selected, high-performing individual stocks (primarily Big Tech and AI infrastructure).
The largest positions in my portfolio are currently held by Amazon $AMZN (-0,24 %) (~15%), Visa $V (+0,78 %) (~10%), and Microsoft $MSFT (+0,86 %) (~9.5%).
Crypto: Bitcoin $BTC (+0,02 %) currently accounts for about 8% of the invested capital.
Cash holdings (not visible in the portfolio): I’m currently holding about 10% in cash on the sidelines.
🎯 My plan for the near future
Even though individual stocks have performed well so far, I’d like to make the portfolio structure a bit more defensive for the future, while also diversifying it across sectors. My focus for the coming months:
1. Massively expand the core: I want to gradually increase the FTSE All-World’s weighting well beyond the 30% or even 40% mark to strengthen the global foundation.
2. Reduce Big Tech & rotate satellite holdings: I plan to strategically reduce my significant overweight in the Big Tech sector somewhat. The capital freed up will instead flow into other promising satellite positions to diversify the portfolio beyond U.S. tech.
3. Targeted use of cash reserves (50/50 split): The 10% cash reserve will soon be used for buying on dips. The plan is set: 50% of it will go directly into Bitcoin, while the other 50% will be split between the ETF and selected stocks.
💬 I’d love to hear your thoughts!
As a product manager, I like to critically evaluate my strategies. That’s why I’m asking the community:
1. Cash allocation: Do you think the 50/50 approach for the cash buffer (half crypto, half traditional market) makes sense, or would you reallocate it differently given the sell-off in Big Tech?
2. Looking for exciting satellite investments: When you look at my portfolio—which sectors or themes do you think are completely missing as complementary investments if I reallocate out of Big Tech?
I’m looking forward to an exciting discussion and your honest feedback! 📉📈
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#diversifikation
