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@blackinger
1Mo·

Hello everyone!

I am looking for an investment recommendation.

My current situation: I am 23 years old, work full-time and currently have a savings rate of €1500/month.

Of this, 500€ goes into an interest account which I am building up as my "nest egg".

I invest €300 in crypto every month (€150 in $ETH (+0,03 %) and 150€ in $BTC (+1,16 %))

And 700€ goes into ETFs (400€ in $IWDA (+0,4 %) 200€ in $EIMI (+0,27 %) and 100€ in $IGLN (+1,25 %))

On occasions such as when I receive vacation and Christmas bonuses, I also buy individual shares.


Now I would like to increase my savings rate to €1800/month next year due to a salary increase.


Would you simply divide the additional €300 between the existing ETF savings plans? Save in an additional ETF? Does it make sense to start with a dividend portfolio? Would you put more into crypto?

I am open and grateful for any suggestions!

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8 Commentaires
Fabian@InternetExplorer
1Mo
Keep it simple - invest in the existing ETFs and you'll have more fun with them than with additional assets or dividends :)
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Dividendensammler@DividendensammIer
1Mo
What you feel comfortable with. Simply adding to your ETF is a great plan, just keep it simple.

I, for example, am on the dividend side at 25 and follow this strategy. Despite the other opinions, the most important thing for me is simply to do my own thing and not switch every few years 👍🏻👍🏻
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wasi@wasi
1Mo
I would put the additional €300 into $IWDA.
I would also put 100% of your €300 for crypto into Bitcoin 😇
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Beat The Bank@randomdude
1Mo
With a dividend portfolio, you would reduce the performance of your portfolio.
Simply increase your existing savings plans.
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Hodlinvestor@Hodlinvestor
1Mo
I would split half of it into Bitcoin and use the other half to increase your ETF savings rate. If Bitcoin is too "unsafe" for you, then divide the entire sum into ETFs.
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CrackMen07@CrackMen07
1Mo
New to this platform. I am happy to see someone with my Age like these eheh. Hopefully in a year I can achieve these savings rate. Congratulations. I will follow you eheh Where are you from?
Im from Portugal but living in Madrid
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Jim Hoggey@Jimhoggey
1Mo
Get out of eth not going anywhere, your young it’s time to play max risk max return, not the time to go slow and steady into ETFS
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