This is now my final portfolio breakdown

This is now my final portfolio breakdown 🔒

Hi everyone,

Some of you have noticed the changes I’ve made over the past few weeks. I’ve gone back and forth a lot, removed some components, added new ones, and adjusted the weightings. Now that’s over. This is the portfolio I’ll be sticking with for the next few years.

My savings rates (€2,000 per month)

🌍 €1,000 – SPDR MSCI ACWI IMI $SPYI (+0,96 %)

The core. Around 9,000 stocks worldwide, including emerging markets and small-caps. The component that always works.

💻 €350 – iShares S&P 500 Information Technology $IUIT (+1,77 %)

A deliberate, moderate overweight in tech and AI. I’ve recently reduced it significantly because the concentration became too large for me. But I don’t want to be without it entirely.

🌏 €250 – iShares Edge MSCI EM Value $5MVL (+1,97 %)

Emerging markets with a value approach. Attractive valuations and a counterbalance to the U.S.

📊 €250 – Avantis Global Small Cap Value $AVWS (+0,98 %)

New addition. Small, undervalued companies—the factor with the strongest evidence of long-term excess returns. And a nice counterbalance to the megacaps.

🥇 approx. 150 € – EUWAX Gold II (manually managed) $EWG2 (+1,49 %)

Gold as a crisis buffer. Physically backed, with no ongoing costs, and tax-free after one year. Unfortunately, it’s not eligible for a savings plan with my broker, so I buy one share manually every month.

On top of that, I have a small liquidity buffer in a money market ETF so I never have to sell at an inopportune time. $XEON (+0,01 %)

Why I’m satisfied now

For the first time, each component has a clear purpose: The global ETF provides returns and diversification, the three satellite holdings add targeted exposure, gold cushions against crises, and the buffer ensures peace of mind. The tech concentration has shrunk, and the portfolio is significantly more diversified than it was just a few weeks ago.

I’ve realized that constant optimization brings more anxiety than returns. From now on, the plan is: let the savings plans run their course, check in once a year, and let time do its work. At 21, that’s my biggest advantage.

Thanks for your feedback over the past few weeks—it’s really helped me! 🙌

Epi@Epi

14H

Never say “final” on the stock market. Why would you think you’re the perfect investor right now and stop learning?

“A portfolio for the next few years” and “let it run and check it once a year” are technically contradictory, since the weightings of the positions shift automatically.

What’s your approach to rebalancing?

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der_Don@der_Don

13H

@Epi You’re right—"final" was the wrong word. What I meant was that the basic structure is in place, and I’m no longer tweaking the building blocks every week. Of course, I’ll still keep learning and making adjustments.

As for rebalancing: I do it primarily through my savings rates. With €2,000 a month, I can absorb shifts pretty well by allocating more to underweighted positions for a while. That costs nothing and doesn’t trigger any taxes.

Once a year, I take a closer look at the weightings. If a component deviates by more than about 5 percentage points from its target and this can no longer be meaningfully balanced through savings rates, I also rebalance by selling. In doing so, I make use of the saver’s allowance whenever possible. With gold, this is even tax-free after holding it for one year, which makes it particularly easy in that case.

So for me, “letting it run” doesn’t mean ignoring it, but rather not making changes based on gut feelings or headlines—instead, following set rules.

emppsb@emppsb

15H

nice, similar to mine, keep going looks good. ill be in Monaco in a couple of weeks lets meet

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Ruben Schoff@Sand

I also use SPY as my core—it’s extremely solid! The other ETFs are well-designed and certainly make sense, but for my part, I’ve decided to stick with just one ETF, since it essentially optimizes “on its own”—weighting assets and countries more heavily as they perform better...Of course, it’s not as flexible as your diversified portfolio. The most important thing is definitely to invest as much as possible as early as possible through automation and let time do the work!