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40Hi everyone,
2 years ago i started buying $VWRL (+0,11 %) gained some money on it but wasnt liking my active way of dividend investing. So i started buying $FWRG (-0,04 %) accumulating version. As the year went on I was liking dividend investing and I bought some dividend stocks/etf. My $FWRG (-0,04 %) is on a savingsplan and I stopped investing in $VWRL (+0,11 %) . Is it a good idea to have a accumulating etf next to dividend stocks? Or should I go with a distributing etf?
A small milestone after just 1.5 years of investing. Is this where compounding interest starts to show?
$VWCE (+0,14 %)
$VWRL (+0,11 %)
$FWRG (-0,04 %)
$FTWG (+0,25 %)
In the world of investing, structure and weighting are crucial, especially if you want to build a sustainable and high-yielding portfolio. The following chart shows my target weighting
target weighting, based on the core-satellite principle. This model combines stability with targeted growth potential, a balance between risk and opportunity.
The portfolio structure at a glance:
1. core component - 73.7% (between 70-80%) FTSE All-World (blue) $VWRL (+0,11 %)
and $FWRG (-0,04 %) The majority of my portfolio is made up of the FTSE All-World ETFwhich tracks over 4,000 companies worldwide. This broad diversification is the basis for long-term asset accumulation and protects against individual risks.
Advantages:
2. satellite components - 26.3% (max. 30%) opportunity-oriented additions
These components increase the return potential through targeted investments outside the broad market index:
- 15.8 % Bitcoin (brown) $BTC (+0 %)
I see Bitcoin as a promising but volatile investment. As a decentralized store of value and possible "digital gold", it can benefit greatly in the long term, especially if demonetization continues or institutional acceptance grows.
- 10.5 % gold ETF (orange) $ZGLD
This is a physically deposited gold ETFa classic safe haven with digital access. Gold has historically provided reliable protection against inflation, geopolitical uncertainty and currency risks. ZGLD combines these advantages with the efficiency of an ETF.
(Currently: portfolio still has too little gold and All-World monthly savings plan runs on the FWRG and weekly savings plan on the ZGLD.
Bitcoin is more of a lump sum if more fallen and aligned to 4-year cycle.
Otherwise just a small gamble on Take-Two $TTWO (-0,77 %) with the GTA 6 hype going on but will then be sold shortly before release and regrouped).
Why this portfolio?
The core-satellite model offers me several advantages:
It is a portfolio that is designed for the long term, i.e. not a short-term speculative portfolio, but a well thought-out structure with a strategic focus on the next 10-40 years.
Possible further developments
Of course, no portfolio is set in stone or perfect. Here are a few considerations for possible further development:
And now it's up to you:
I look forward to your input, your experiences and your questions in the comments!
Your Lord Vader!
Tariffs, protectionism and an America First mentality that does more harm than good. But what does this have to do with your finances? Quite a lot. Trump's economic policy is a good example of why you shouldn't just rely on the USA as an investment location and why ego in politics can cost you your investment returns in the long term.
Tariffs: expensive, pointless, harmful
One of Trump's favorite tools was (and is) the tariff stick. Whether against China, Europe or Mexico. Trump believes that higher tariffs will protect American jobs and strengthen the domestic economy. In reality, however, these measures have had one main effect: rising prices for consumers, growing uncertainty for companies, the stock market and declining competitiveness.
Example: The punitive tariffs on Chinese products have forced many US companies to either accept higher purchase prices or make expensive changes to their supply chains. Consumers and investors ultimately pay the price when company profits come under pressure.
His ego: above all else
Trump's actions are not economically rational, but impulsive and egocentric. Decisions are often made on instinct or, worse still, to nurture his own ego. Economic logic or long-term planning? Probably not the case.
The problem: the markets don't like uncertainty. If one man introduces tariffs, terminates contracts or strains trade relations out of spite or a desire to make a name for himself, this becomes a political risk, one that can have a direct impact on your portfolio.
Conclusion: Why you shouldn't just bet on the USA
Although the USA is an important business location with many innovative companies, it is not the world. Anyone who invests their money exclusively in US equities or in a pure S&P 500 ETF is taking a cluster risk, both politically and economically. Trump's time in office has impressively demonstrated how quickly an environment that is considered safe can turn into a highly dangerous playground for political arbitrariness.
My tip: World ETF, Bitcoin and/or gold instead of ego roulette and cluster risk
In the long term, you are best off with a globally diversified ETFfor example on the MSCI World $IWDC (-0,1 %) or FTSE All-World $VWRL (+0,11 %)
$FWRG (-0,04 %) . This spreads your risk across many countries and sectors and makes you less dependent on whether a single president is in a good or bad mood. If you want other assets, I recommend a manageable share of Bitcoin $BTC (+0 %) and/or gold $ZGLD!
Trump shows how irrational politics can be. Your investment should be exactly the opposite: rational, broadly diversified and long-term oriented.
Bottom line: Trump stinks - economically speaking (perhaps literally). His tariffs do more harm than good and his ego is a ticking time bomb for the markets. If you invest wisely, you won't be rattled by this, but will focus on the whole world instead of a single political uncertainty factor.
What is your opinion on this? What do you do with your portfolio in times like these?
Your Lord Vader!
Hello everyone!
I’d like to start the discussion by mentioning that I live in Greece, where all dividends from ETFs, as well as all ETF transactions, are tax-free.
With that in mind, here’s my current allocation in my T212 account:
40% in $FWRG (-0,04 %)
30% in $XESC (-0,48 %)
30% in $TDIV (-0,17 %)
(All dividends are automatically reinvested into these ETFs.)
Please note that my $IWDA (+0,17 %) holdings are part of a separate portfolio for different reasons, so you can disregard them for this discussion.
I’d love to hear your thoughts 💭 on my allocation. What do you think, or what would you suggest for me to consider next time⌛? Please feel free to share any constructive criticism!
Spoiler: slight bragging rights.
After a few months of investing (I started as a beginner just before the Trump chaos, when the market was still overvalued), I reached my first milestone: over €10,000 invested.
Since the beginning, I have changed my strategy. I now take a long-term approach with a 70:30 split between ETFs and individual stocks. Within the ETFs, I hold 7% of my portfolio in $ERNX (-0,03 %) for more stability. The percentage split is not quite optimal yet, but I will probably rebalance towards the end of the year.
As I mentioned in an earlier post, I prefer $FWRG (-0,04 %) over Vanguard because of the lower TER.
I'm the first person in my family who not only has enough money to invest, but has also become financially literate and uses the stock market at all. I'm quite proud of that.
If I continue to invest €1,000-1,500 every month (sometimes more), I could reach €20,000 by the end of the year. There are still a few larger expenses to come, but they shouldn't affect the amount set aside for investments too much.
If necessary, you are welcome to roast me.
Hey everyone!
I'm 25 years old and I started investing this February, mainly putting my money into the $FWRG (-0,04 %) ETF as a long-term strategy. Recently, I’ve been thinking about whether it makes sense to diversify a bit by adding some bonds to the mix.
Do you think investing in iBonds could be a smart move to help reach specific goals I have in the next 5–6 years? Or would it be better to go with a more hands-off option like $VAGF (+0,08 %) ?
Thanks in advace for any input!
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