1Année·

Hello my friends, today everything is under the theme "Full investment without reserves"

You know that I have no mercy and will go all the way.


All running costs have been deducted. I have enough to live on this month:


  • 276 € on TR
  • 177 € bank

-------

453 € for food


Invested in April:


Crypto (€13,000) Reallocation, no new money, in case questions arise now:


  • €10,500 in Bitcoin
  • 2,500 € in ETH


ETF's (4.300 €) savings plan 02.05.2024:


  • Vanguard S&P 500 - € 550.00
  • iShares Core MSCI Europe UCITS ETF (Dist) - € 800.00
  • iShares Core MSCI EM IMI UCITS ETF (Dist) - € 1,115.00
  • HSBC MSCI Pacific ex Japan UCITS ETF (Dist) - € 300.00
  • SPDR MSCI Europe Small Cap Value Weighted - € 750.00
  • SPDR MSCI USA Small Cap Value Weighted - € 750.00


Weighting of the core portfolio currently without satellites:


  • USA - 53 %
  • EU - 16 %
  • EM IMI - 16 %
  • Small caps US - 2.5
  • Small caps EU - 2.5
  • Asia Pacific - 1 %
  • Japan - 9 %


The USA will be reduced to 43 % in the course of the year. the EU and the EM will be reduced to 20% .. Just like the small caps to 5% each. The Japan share will be reduced to 5%.


This is what the weighting should look like in future:


  • USA - 43 %
  • EU - 20 %
  • EM IMI - 20 %
  • Small caps US - 5 %
  • Small caps EU - 5 %
  • Asia Pacific - 2%
  • Japan - 5%


I still have the semiconductor and KT Etf in my portfolio as boosters.

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64 Commentaires

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If you really go through with it, you will be very happy in 15 years...
I'll keep both fingers crossed - the world needs crazy people like you ♥️
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@DerMartin I give my BEST! :) yes always everything in! :)
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@Testo-Investor The world belongs to the brave. 🌍
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1Année
@DerMartin Very, very happy about what?
About a 7-digit deposit? What's there to be happy about? The attitude "min expenditure - max savings rate" remains.
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The budget for food is enough to get enough protein every day! Respect and role model! 💪
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@Alex1901 yes, but my girlfriend won't like it that much :D hjahaha
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@Testo-Investor I know that only too well 😃
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@Testo-Investor she should earn herself 😁 In my household, they both earn. At least as long as there are no children. She's not so keen on investing but at least has 1k savings in the MSCI World. For me 1.5-2.5k per month. And enough money left over for proteins
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@SchlaubiSchlumpf awesome man!!! 1k a month she's hitting the etf? Sick !!!!

Or savings subscription at Amazon 😂😂
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@Testo-Investor 😂😂 I don't know your house number. Must also be a low earner. Unfortunately, she's a bit hesitant with what she has. In my opinion, she has too much in call money and fixed-term deposits. She's more hesitant. That's okay too. Not everyone has a head for finances.
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@SchlaubiSchlumpf dude are you crazy ? 1000€ savings rate is insane as a normal person.... Awesome ! Order her a nice greeting! Brilliant !!!
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Voir toutes les 2 autres réponses
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You're going through with the stock market, I think I should take up sport.

So that both universes balance each other out again. 😂
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@Gerit yes, my discipline is doing quite well in every situation :-) but you can tell that too ... sport, stock market and job ....
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Haha I only have about 400€ left for this month 😂
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@Roccola601 horny guy!!! Let's make a fling
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Macher
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@IIlIlIIlIIllIl always without mercy
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Awesome machine! One of the few who takes full risks and pulls through!
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@Aktienmasseur normal ! No time to lose ! There will be a new post tomorrow !
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The main thing is that the testo cure is paid for🤲😂 scratch every month too, live like a student🫡
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@Therapeut yes, and there is still plenty of protein :-)
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1Année
As the saying goes?
The stock market is an endurance run, not a sprint.

Endurance runners rarely look like the guy in the AI picture.

I really hope you hang in there. The allocation looks well thought out.
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1Année
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1Année
@PowerWordChill Do you make a difference? 🧐
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@Epi The stock market is like bodybuilding! Endurance running! :) Thanks, we'll keep adjusting! Currently there is still an imbalance with the Semi and Ki ETF... I will let it run until the end of the year and then think about another plan.
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1Année
@Testo-Investor Sure! 😉
But so far you only have a passive strategy. That somehow doesn't match your attitude. A good timing strategy can minimize the drawdown and significantly increase overall performance.
With your ETF portfolio, you're only getting the 6-7%pa market return.
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@Epi Exactly, and that's enough for me. I'm not greedy! The performance will hopefully come from bitcoin eth and gold longterm :-)
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1Année
@Testo-Investor That modest? You don't even look it! 😅

Incidentally, gold doesn't bring any extra performance in the long term, only lower volatility for the overall portfolio. You can use this to boost performance with BTC, for example. This would normally increase the portfolio volatility and drawdown, but with gold you are back to normal levels. I don't think that's all it is.
It's completely passive, so you have to stay invested even during massive down phases. Not an easy thing to do.
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@Epi No, but I have mentally evolved and I just accept the normal market return... Of course I'm trying to get a bit more out of it with a few tricks, but if you get too greedy, you can quickly get lost .... and I feel quite comfortable with my strategy.... although the etf issues are still a bit of a thorn in my side and I don't know 100% how to deal with them.... After all, we're talking about €37,000 in the two products .... which is a really big chunk of money.
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1Année
@Testo-Investor Very good and sensible answer... I can only delete it... But somehow doesn't suit you 😝
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@GHF I too am still developing :-)))
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@Epi would like to discuss the possibilities in my depot (only the holy grail) with you

LG
Voir toutes les 29 autres réponses
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Your ETF allocation looks very good. How would you allocate it in percentage terms if you had to start all over again?
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@IIlIlIIlIIllIl acwi imi, you would still stack an em imi and europe with it.... 80-90%acwi, 5-10% em and europe ....
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