9Lun·

Work in progress

Hi all guys!!!

I would like to share with you my ideal portfolio allocation, as read from the title it is still a work in progress, I am slowly adding positions as opportunities arise.

A little context: I am 24 years old, a final year medical student, and I am slowly putting money aside that I can invest both through my part time job (preparing for the medical test and tutoring for first year exams) and through the savings I already had set aside. The platform I currently use to invest is Directa.

Let's say that my goal at the moment is to reach over the years an invested amount of 50k euros in ETFs and distribution stocks, ideally distributed as follows:

CORE

-30k in growth-oriented developed markets etf (10k/30k)

Those selected are. $FGEQ (-1,34 %) (10k/10k) , $TDIV (-0,49 %) (0k/10k) and $HMWO (-1,86 %) (0k/10k), so as to have income every month, as they distribute alternately;

SATELLITE

-5k in emerging markets etf (0k/5k)

I chose $IEEM (-0,84 %) to diversify;

-5k in high-distribution etf (2.5k/5k)

In this category I own. $VHYL (-1,28 %) ;

-5k in active option-based etf (5k/5k)

Here I have already completed my position in $JEGP (+0,36 %) , which by the way distributes monthly ;

-5k in single Italian stocks (0k/5k)

In this category I have already selected some of the possible additions, such as. $PST (-1,16 %) , $ISP (-0,67 %) e $TRN (+0,04 %) , but at the moment the prices are too high and I am not willing to buy now;

Considerations and Strategy Explanation: I start by saying that I know that at my age it would be better to buy accumulation instruments for the best taxation and growth over time, but personally the idea of receiving a monthly cash flow (albeit still small) without having to do anything at all has an important psychological impact, and seeing it grow slowly gives me a lot of satisfaction and motivates me to continue on this path. I started immediately by positioning myself on high-dividend etfs such as $JEGP (+0,36 %) e $VHYL (-1,28 %) so that I already had a small boost in the strategy; I hoarded $FGEQ (-1,34 %) during the first week of April by taking advantage of the flash crash that took place, and now I am accumulating liquidity in anticipation of another possible reversal: ideally the next move will be to start accumulating shares of $TDIV (-0,49 %) to diversify in currency as well: last note, the etfs chosen are also from different issuers so as to diversify in this aspect as well.

Let me know what you think!

17 Comentarios

9Lun

Having a good strategy that fits your goals is awesome. Acc might be better long term as you already said but nothing wrong with dis etfs if you want that Cashflow :)

Why you wanna put 5k in a Single italian Stock? Only because you are from italy? Or because you think that these companies are good ones? If you only want to invest cause you are from Italy i would ovething that. That's a home bias and most likely not good long term.

You are saying your aim is to invest in growth oriented etfs and you are also saying you have some money set aside that you wanna invest slowly. If your focus is on growth, why not invest everything that's possible right now? Time in the market beets timing the market. Especially when you focus is growth.

The job of a Core is to build the majority of your portfolio and be the backbone of it. If the 3 stocks you mentioned are supposed to be your core then your main goal should be to build them up first and asap. Why are you already buying the satellites if you do not have a core yet? That means your satellites are your core right now and you are not following the strategy you are mentioning here.

You do not really get an advantage by buying high divident etfs up front. If you have a strategy that's awesome but than stick to it and do not act differently. If you have a strategy but you are not following it it's useless to have one :)

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Seong G.@Player_456

9Lun

Good luck with your strategy. I understand the psychological discourse of monthly cash flow. Legitimate choice.
I too have my main portfolio on Directa and have active weekly no-cost entry PACs.

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Catalin@xcatalin

9Lun

Be careful with $TDIV as there is a withholding tax of 15% in netherlands, which depending on your country of residence, you may not recover and you will end up paying dividend tax in your country as well

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t0t0_2295@t0t0_2295

9Lun

Hmwd distributes in the months 2/5/8/11
As well as fgqi
Ieem has very high t/d and not good at all, tdiv also quite high
5k in high distribution etf you can't put a vhyl 3%,gross you don't do much with it
5k in Italian stocks you may as well not put them ,risking on individual stocks to date doesn't make much sense
Your strategy is called "3 legs" and it is very good ,you have in my opinion some tricks to do in the choice of products

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PelaPatate69@PelaPatate69

9Lun

Another Italian investing? Crazy 😂❤️

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9Lun

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Frasgaa@Frasgaa

9Lun

@BarbieResearch Why do you think I should eliminate it? I personally think it's a way to have slightly higher dividends while still investing in ETFs and not in individual stocks (although by now I get your point about dividends 😜) then out of all of them it's the only one that invests in both developed and emerging markets!

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