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Feedback needed

Hello community, I’m building a portfolio with a 20+ year horizon focused purely on long-term growth, so I’m not chasing dividends or short-term liquidity.

My current allocation is 54.2% ETFs, 27.4% crypto, and 18.4% individual stocks.

I’d appreciate constructive feedback:

do you think 27% crypto is too heavy for a long-term plan, are there any major sector or geographic diversification gaps, and would you tilt more toward broad ETFs versus thematic plays?

ETFs – 54.2%

• $IWDA (-0,22 %) – 22.3% (MSCI World)

• $BNKE (+0,39 %) – 16.8% (Eurozone banks)

• $CSNDX (-0,16 %) – 11.7% (NASDAQ 100)

• $DFEN (-0,65 %) – 3.4% (Defense)

Crypto – 27.4%

• $BITC (+2,07 %) – 14.9% (Bitcoin)

• $WXRP (-4,6 %) – 4.4% (XRP)

• $CETH (+5,12 %) – 4.2% (Ethereum)

• $SLNC (+1,1 %) – 3.9% (Solana)

Stocks – 18.4%

• Tech: $GOOGL (-0,2 %),$NVDA (+0,03 %),$MSFT (+0,19 %), $AMZN (-0,26 %), $AAPL (-0,57 %), $PLTR (-2,27 %), $HOOD (-0,99 %)

• Healthcare:$NOVO B (-2,09 %), $LLY (+1,61 %), $UNH (+1,02 %)

3 Comentarios

Mennes@WolfOfAllStreets

Over a 20+ year horizon there is solid growth potential here but also some clear concentration risks. The crypto share at 27 percent is bold and could work if you are comfortable with large swings, though 10 to 15 percent would be more stable for many investors. You have a strong tilt toward tech and eurozone banks, so adding more sector balance and a small slice of emerging markets could help. Broad ETFs are a solid core and thematic ones work best as smaller satellites.

I am curious about your risk appetite, since ETFs are generally conservative while crypto can be highly speculative. What was your total cost basis and do you plan to buy and hold from here or add regularly over time?

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RG@gRabba

Thanks for the feedback. I’m fine with the current volatility but agree crypto, tech, and Eurozone banks are overweight. I do not plan to sell anything, but I will keep adding about €800 per month to gradually balance the portfolio. That is why I asked for input. How would you allocate the €800 to reduce crypto weight and add sector diversification?

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Mennes@WolfOfAllStreets

@gRabba The speed of rebalancing with new contributions depends a lot on the size of your current portfolio. If your base is already large, shifting the weight away from crypto, tech and Eurozone banks will take more time. If it is still relatively small, €800 per month can change the allocation noticeably within a year or two. In both cases I would direct most of the new money into broad global equity ETFs such as MSCI World or ACWI, add a small portion to emerging markets for geographic balance and perhaps a dividend or consumer staples ETF for sector diversification. This way you can gradually build a stronger core and naturally reduce concentration risk without selling anything.

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