Hello everyone,
I am 20 years old, currently have a custody account of around CHF 37,000 with IBKR and save around CHF 600 per month.
My current statement:
- ETFs: $IWDA (+2,32Â %) (MSCI World), $IUIT (+4,51Â %) (S&P 500 IT), $IGLN (+2,4Â %) (Gold)
- Individual stocks: $NVDA (+4,33Â %) , $GOOGL (+4,54Â %) , $BRK.B (+1,4Â %) $IBKR, $RHM (+0,79Â %)
Cash: almost nothing
Considering:
- Selling some SWDA and also reducing some gold.
- With the capital freed up, invest more in S&P 500 / Nasdaq or in individual stocks ($MSFT (+1,78Â %) , $META (+2,61Â %) , $AMZN (+2,94Â %) , $NOVO B (+1,77Â %) ).
- Possibly also $BTC (-1,97Â %) slightly for more "risk-on".
My thoughts:
- MSCI World is too broad and too heavy in Europe/Japan for me, I see more long term return in the S&P 500.
- Gold is okay for safety, but maybe I don't need 10% at 20 years.
- I want more growth / oomph, I am also prepared to endure short-term fluctuations.
👉 Questions for you:
- Would you cut SWDA and weight S&P 500 / Nasdaq more instead?
- Reduce gold and increase tech or EM instead?
- Is it worth adding to Bitcoin or growth stocks like Novo Nordisk at my age in order to achieve even higher returns in the long term?
- Or would it be better to leave everything as it is and just optimize via the savings rate?
Thank you for your feedback 🚀
