Hello everyone, I'm 24 y.o. my portfolio is currently worth 55-60 k eur. My plan is to save around 1000 eur per month and invest in growth product for 15-20 years. Specifically:
GLOBAL ETF (50 % allocation):
MSCI WORLD VALUE $XDEV (+1,64 %)
MSCI WORLD MOMENTUM $XDEM (+1,96 %)
MSCI WORLD SMALL CAP $WSML (+1,04 %)
note: they all have had better return (on long range) in comparision with sp500 and ofc msci core world or ftse all word. Plus these etf offer a real diversification from having the big 7 as first positions.
GLOBAL TECH (50 % allocation):
MSCI WORLD INFORMATION TECHNOLOGY $XDWT (+1,31 %)
NASDAQ 100 $XNAS (+1,09 %)
note: msci world IT it's good bcs with the time it can move towards international technology stocks and not only american, meanwhile the nasdaq it has the advantage of having also companies that are not directly linked to technology but general innovation (plug power, rocketlab ecc.). BOTH ETF HAVE THE SAME RETURNS OVER THE TIME.
Once I'll reach the milestone of 1 million I'll allocate everything in these 2 etf high dividend stocks:
VanEck Morningstar Developed Markets Dividend Leaders
iShares STOXX Global Select Dividend 100
note: these etf are incredible, they have only 20 % of USA, they are super diversified all around the world + no tech sector present (that is usually speculative, volatile and where bubbles can be more likely to happen). Only big worldwide companies that offers high dividend and are super stable.
BE READY FOR IT:
avarage dividend annually: 4.5 %
avarage growth annualy: 8 %
it means that you start to take 45 k (before tax) annually in dividends + your capital of 1 million is growthing at 8 % rate and doing composite interest over the years. Each year your dividend passive income increase and your capital too. If there is a finacial crises ? well for sure these etf will loose way more then sp500, nasdaq and other products. These companies are defensive, they have big cash flow and investors invest in them when they are afraid of the tech market or others speculative sectors.
LET ME KNOW WHAT YOU THINK ABOUT IT !!!!!
Enjoy your day and let's make it.
