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6Lun·

Portfolio Feedback for a Student - Investor

A few quick thoughts would be appreciated 🙏🏿

About me:

I'm a young investor about to go to uni this fall and I've always had an interest for all types investing and recently opened my first positions in Trade Republic after reading, researching about different brokerages and services.

So far I am very happy with my progress and the different resources I use, like News outlets, ETF tools, etc. However something I have been struggling with is my portfolio allocation and planning.

I have dedicated a monthly budget of €300 towards my investments as of right now, which isn't a lot (i know), but once the school year starts and I hopefully have a part-time job, I am planning on allocating €700 monthly.

Using Trade Republic I have set up Savings plans for the following positions:

$VWCE (+0,12 %) - €50 (ETF)

$CSPX (+0,25 %) - €50 (ETF)

$QDV5 (-0,32 %) - €50 (ETF)

$MSFT (+1,1 %) - €20 (Individual)

$UCG (-0,18 %) - €10 (Individual)

I want to also add different positions via recurring savings plans like:

$AAPL (-0,64 %) and $GOOGL (-0,97 %) for individual positions at €20 each

Deciding between $IUIT (+0,8 %) or $XAIX (+0,71 %) for a etf tech focus at €25 - 30

And also unsure whether to add $IUFS (-0,35 %) also at €25 - 30 monthly

With that being said I am also considering opening more positions into emerging markets, however in a more diversified fund across multiple countries, rather than with the $QDV5 (-0,32 %) which only focuses on India. I am also looking into other potential individuals positions for savings plans and exploring possibilites for positions in commodities such as copper, silver, which I know are performing great because of the tech boost happening right now.

Any and all feedback is greatly appreciated!!!!!!!!

12 Comentarios

TheGuardian@TheGuardian

6Lun

good start. I am personally not a fan of financial sector ETF and also may avoid $UCG but would focus to build $CSPX

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Georgi@portfolio_manager_410

6Lun

@TheGuardian Thanks! I hope you don't mind me asking why you're not so big on financials?

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TheGuardian@TheGuardian

6Lun

@portfolio_manager_410 what is the moat for $UCG? Inflation, interest rates, bonds, uncertainty in government makes financial and specific banks a speculative investment than strategy

I would avoid MSCI India for the same reason - because it is overweighted by financial sectors

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TheGuardian@TheGuardian

6Lun

@portfolio_manager_410 also $IUIT is good to build

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Georgi@portfolio_manager_410

6Lun

@TheGuardian I see where you're coming from on the bank stocks and yeah I agree partially, I might stay off of it for now or just consider it as the speculative portion of my portfolio since I'm planning to put in so little into it.

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Georgi@portfolio_manager_410

6Lun

@TheGuardian For MSCI India, I mainly added it due to the strong performance of the market as a whole, beating many developed markets in terms of consistency over past quarters, as well as India being such a major exporter of raw materials to neighbouring countries, which the fund also has holdings in. I see your point with the weight of the financial companies though.

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Georgi@portfolio_manager_410

6Lun

@TheGuardian Also in the case of building the $IUIT I would most likely stay away from the individual tech companies I mentioned considering positions in, unless overweighting those is not too risk forward,

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Muhammad M.@Mahmud1218

6Lun

I am not an expert but i can suggest to add NVDA in your profile.

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Georgi@portfolio_manager_410

6Lun

@Mahmud1218 👍

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Miguel@Igotaplan

6Lun

I really dont see the point of adding so small amounts of cash to stocks.
What are you trying to achieve here?

Also, you are buying more $MSFT when the two ETFs you mention already have quite the exposure to it.

Overall, I am confused with your strategy and what you are trying to achieve.

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Usuario eliminado

6Lun

Comentario eliminado

Miguel@Igotaplan

6Lun

@DonAlvaro
10% of 10 euros is 1 euro
10% of 1000 is 100 euros.

Quantity is a quality of its own, specially in stocks.
The percentage will work differently, than having them spread across multiple ones. In theory, they would all have to yield the same return for what you said to happen. (Of course this also applies if the stocks loose value)

Also, not to mention the amount of mental work that is required to track stocks, which represent a very small value of your portfolio.

The ratio investment/keeping up with the companies simply does not justify it.

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