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After a really long time of investing in random stocks or cryptocurrencies I decided to get it together and create a really simple strategy that runs on autopilot. I decided to save about 80% of my income and invest 25% in $VWCE (-0,62 %) , 25% in $VUAG (-0 %) , 10% in $BTC (-0,38 %) , 10% in $ETH (-1 %) and 10% in $SOL (-0,2 %) and then spend 20% on things I always wanted to get done, glasses, fixing teeth etc. I hope I can stick with this plan and I can stick to saving most of my salary. I didn’t start early enough (I’m 25), I lost all my money due to gambling issues (both my wrong decisions and undiagnosed ADHD). Time to make it all back and feel safe again.


My plan is to buy around 1900 $ worth of ETFs and around 1100$ worth of cryptocurrencies every month. Time will show whether I’m right or not, maybe I will add more to ETFs as I continue working on my salary as reading all of this made me realize cryptocurrencies may be a bit too risky for a long time portfolio I’d like this to be.

7Positions
53 474,65 PLN
2,95 %
6
2 Commentaires

I feel like 30% of a portfolio in crypto is way too much. I do 90% low-cost index fund (VWCE) and 10% "play money" (currently sector ETFs but this can also be crypto etc for someone interested in that kind of stuff).
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25 is not late at all. So you are on the right track.
I would reconsider allocating such a high amount to crypto … but of course, that is just me.
Also, just from looking at the positions of those ETCs , there seems to exist a lot of overlapping … maybe something to consider?
Good luck!
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