11Mon·

Forward-looking weighting/diversification of my portfolio

Hello, I am thinking about restructuring my portfolio, which in my opinion is very unbalanced, with a view to the future. I'm thinking of an investment horizon of around 15-20 years.

I would like to structure the core of my portfolio with the help of 60% #etfs with the help of

$VWRL (+0.64%) 30%
$CSPX (+0.63%) 30%

In addition, around 5% of my postage portfolio is to be #crypto above all $BTC (+0.03%) consist of

I invest the remaining 35% in individual stocks.

Technology sector 8%
Thought of $MSFT (+0.37%) , $GOOGL (+1.18%) , $AMZN (+0.67%) , $SAP (+2.62%) ,$NVDA (+0.16%) in approximately equal parts
Healthcare sector 4%
Something like $JNJ (-0.6%) , $NOVN (-0.05%) , $NOVO B (+3.32%) but I'm not quite sure here yet, I want to read up on it in more detail
Consumer sector 6%
Thought of $COKE (+0.78%) , $1810 (-0.09%)
$PG (+0.27%) but not sure yet either
Industrial sector 5%
Something like $6501 (+3.46%)
$SIE (+0.96%)
Energy sector 7%
$SHEL (+0.99%) , $ENR (+1.25%)
Financial sector
$ALV (-2.03%) and $NU (-0.13%)

I currently have a monthly savings rate of 400-500 euros in addition to my studies and would divide this up accordingly and put it into a #sparplan and put it into a savings account.

What do you think of the weighting and do you have any tips, especially in the health sector?

Brief feedback is very welcome

#stockanalysis
#portfolio

14 Comments

Privatier@c05

11Mon

500 Euro savings plan directly in Etf

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kubernd@kubernetes

11Mon

Too much small stuff and duplication, so I would rather put the savings rate into 90% VWRL and 10% BTC until a proper basis is achieved.
If you absolutely want individual stocks, it's better to stick to one per sector and avoid those that make up more than 1% of the ETF anyway so as not to diversify unnecessarily.

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Joshua@WarrenNakamoto

11Mon

Too much effort for the savings rate. I would save in ETFs and Bitcoin. If there is more salary or bonuses such as Christmas bonuses or similar later on, you could use them to buy individual shares. In general, I would rather build up a good capital stock in ETFs before I go wrong with individual shares.

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Harald@Madhatter5566

11Mon

In my opinion, it's well thought out, but too complicated. You already have all the individual positions in the all or the s&p anyway, i.e. you're simply duplicating. The technology sector in particular is already overrepresented in the ETFs.

5% Crypto.... Maybe as a gimmick, but I don't know if you'll really see an effect. I would rather see 5% commodities or something counter-cyclical, but if then physical.

Otherwise, I would have liked to have saved 500 euros during my studies.

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Julius@KoelscheInvestor

11Mon

@Madhatter5566 yes, crypto is only supposed to be a little gimmick. so you're saying you're doing away with individual values completely?

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Julius@KoelscheInvestor

11Mon

@Madhatter5566 work 20h a week at 18/h and pay almost nothing in rent

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Harald@Madhatter5566

11Mon

@KoelscheInvestor I would say that 35% single stocks that are diversificated seems to much trouble, as you already have an All World. Building your own ETF just in case doesnt make it safer or better.

If you think a stock will go to the moon and you are sure about it, yes, go for it. A few stocks, not for the diversification but for the gains (if you are good at stockpicking).

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PewPewPew@PewPewPew

11Mon

I miss Joel Schmied 🥲

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Julius@KoelscheInvestor

11Mon

@ClaraLvt in very good hands with us :)

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Levi@Dagobert20000

11Mon

Hey Julius, cool thing with the EUR 500 savings rate during your studies. And your choice is well thought out. Very few people plan it so precisely in advance. I would do it like this.

Maybe it makes sense to leave out the percentages per sector, otherwise you'll be constantly rebalancing. Just buy stocks that make sense for you.

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Julius@KoelscheInvestor

11Mon

@Dagobert20000 thank you

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ThomasHH@ThomasHH

11Mon

At the moment, I would put the tech sector slightly lower. In financials, I would not give up on Allianz. The earnings and share price growth is excellent, as is the dividend. 75% of the profit is distributed.

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Döner8€@DoenerACHTeuro

11Mon

If you are interested in health care, take a look at Intuitive Surgical
ETR: IUI1.

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value_Stonemason@value_Stonemason

11Mon

... many good ideas! But I would start by setting a base with a broadly diversified ETF to save 100%; ...later you can add other classes (equities, crypto,..); and slowly balance according to your mood; collect dividends...

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