Hello everyone,
Now that I've spent some time thinking about the composition of my portfolio, I've come to a decision. Before the first savings plans are made, however, I would like to hear your opinions and criticism so that I don't regret the whole thing later and throw everything over again.
*Briefly about me: I am 21 years old, completed my training as a forwarding agent this month and will be starting further training in business administration in August. My portfolio is currently still quite small and unstructured, as I haven't really been able to handle money in recent years and have spent a lot on unnecessary things or gambling. Since the beginning of the year, I have been determined to take drastic measures. This has worked well since then. I spend almost every day building up assets for my future and have been able to save significantly more money than in previous years. However, as I'm moving into my parents' first apartment towards the end of the year, this money has been put into my portfolio for the time being, but instead into renovations, as I like to implement my own ideas and plans to really feel at home. But enough about me - let's move on to the composition of my future portfolio :) *
At the moment, the portfolio still contains mainly cryptos, which will be completely liquidated in the course of the year (or next year at the latest). The proceeds will be reinvested in ETFs and individual stocks with the appropriate weighting. Novo and Xiaomi will continue to be held and possibly increased over time.
Objective: To build up assets that will mainly serve as equity for the construction of a home in approx. 10-15 years.
60% in ETFs
- 75% World ETF $IWDA (+0,38 %)
- 20% Global Quality Growth ETF $QGRG (+0,31 %)
- 5% Dividend ETF $TDIV (+0,19 %)
Alternatively for the $QGRG (+0,31 %) would possibly be a NASDAQ 100 ($CSNDX (+0,11 %) ) or an S&P 500 ($CSPX (+0,5 %) ).
Advantage: Due to the predominance of software companies, the annual return is somewhat higher.
Disadvantage: Global Quality is more diversified, "only" about 60% US-heavy and the top 10 do not overlap so enormously with the MSCI World.
What would make more sense in your eyes (also in terms of the target)?
The Dividend ETF is deliberately only lightly diversified with individual dividend stocks, as this is already represented in the portfolio and the constantly (albeit only minimally) rising dividend motivates me with every distribution.
~20% individual stocks with a focus on growth
- Alphabet - Software (deliberately overlaps with the MSCI World, as I believe it still has good growth potential)
- ASML - Semiconductors
- Linde - Industrial Gases & Engineering
- Visa - Payment Services
- Ferrari - Automotive industry
- Stryker - Medical Technology
~6% individual stocks with focus on dividends
- Allianz
- Munich Re
The selection of these two companies is probably self-evident. Both pay good dividends and are at the same time quite strong in terms of growth. In addition, both are German insurance companies, which also put some pressure on the US share - I don't think you can go wrong with that.
~7% Bitcoin
~7% cash reserve
This will be used if there are major setbacks on the market again. This is used to build up new positions (if appropriate) or to top up existing positions at lower equity.
At the same time, the MSCI World is also held in a separate custody account, but this is not used for the aforementioned objective, but for early retirement provision.
I look forward to honest feedback.
