Hello everyone!

Last week, I fully transferred my money from Revolut AutoInvest and used it to buy $VUSA (+0 %) , keeping the funds in Revolut. I liked the auto-balancing and auto-investing feature, but I didn't find the selection of ETFs that the bot was buying optimal, so I decided to stop this experiment.

I also added 700 euros to my eToro account, where I bought $VTI (-0,04 %) , and 200 euros to Revolut, where I bought $VUSA (+0 %) . I still have some free cash left, which I'm not in a hurry to invest. I’ll probably wait a couple of weeks. I really like the idea of having 2-3 thousand euros as an emergency fund, so I might either invest more money or keep this cash for peace of mind.

I haven't done anything with my $BTC (-0,49 %) and altcoins yet, although I agree with the commentators who think this is not the best strategy. At the moment, I realize that I can't afford to take this risk, but I still see potential in crypto right now and want to take advantage of potential growth to gain additional profit, which I will later direct into ETFs.

Last week, I received a comment suggesting that I should focus on dividends, but I completely disagree with that. Honestly, at 28, it’s better to focus on capital growth rather than dividends. Growth stocks usually bring higher returns because companies reinvest their earnings to expand rather than paying out dividends. Plus, while you’re young, it’s more important to build up your capital instead of focusing on income right now. Eventually, when your portfolio grows, you can always shift to dividend stocks if you want. But for now, it’s smarter to let your investments grow and take advantage of the potential for bigger gains.

See ya on the next one!