Happy to have reached the 30K milestone — really proud of how my portfolio has evolved since its inception, 3 years ago.

Looking back:

I’ve been through several phases: fully invested in crypto, then holding over 40 different ETFs, and later focusing on dividend-paying stocks.

Looking now:

My priorities have shifted. I now value long-term growth over short-term gains, accumulation over distribution (for tax efficiency), and steady, healthy growth over speculation.

I don’t see my previous strategies as mistakes. They were necessary steps in discovering who I am as an investor. Without those experiences, I wouldn’t feel as confident and comfortable with my current approach.

Looking ahead:

By the end of this year, I plan to adjust my allocation:

• 42% to 50% in $VUAG (-0,1 %)
• 12% to 15% in $MEUD (-0,31 %)
• 0.1% to 2.5% in $BTC (-0,39 %)
• 45% to 32.5% in individual stocks (max 25 companies)

Why? It’s about reducing risk and optimizing my time. Puting~65% of my money in just two ETFs might not be thrilling, but it gives me peace of mind while it frees up my time for to spend on my hobbies.

Continuing with my aggressive savings journey. Given the global circumstances, I am moving away from $VUAG (-0,1 %) to $VWCE (-0,13 %)

$VUAG (-0,1 %) (but the acc version, not the dist one)

$EXUS (-0,26 %)

$EIMI (+0,05 %) (again the acc version)

Any suggestions?

Hello

I am currently 100% in $VUAG (-0,1 %) .

Thinking of diversifying.

$VHVG (-0,1 %) , thinking about it. Any opinions?

First time it has crossed that 250 landmark.

Trying to keep this simple.

$VUAG (-0,1 %)

Cruising so slowly towards that £250,000.

Only on $VUAG (-0,1 %) .

Nothing fancy.

Target year is 2038 onwards. My 60th.

Fingers 🤞

Hi everyone,

I’m 28 and planning to invest €80,000 with a long-term, offensive strategy. I’m aiming for broad global diversification, focused on both value and growth. I’m totally fine having 60–70% of my portfolio allocated to the U.S. and with exposure to emerging markets as well.

Here’s a rough outline of the allocation I have in mind:

30–40%
Nasdaq 100
$EQQQ (-0,04 %)
$XNAS (-0,04 %)
$CSNDX (-0,03 %)

15–25%
S&P 500
$VUAG (-0,1 %)
$CSPX (-0,1 %)
$SPYL (-0,1 %)

10%
World ex US
$WEXU (-0,33 %)
$IE000R4ZNTN3 (-0,1 %)
$EXUS (-0,26 %)

10%
Small Cap US Value
$ZPRV (-0,27 %)

5% Small Cap World $WSML (-0,35 %)
$ZPRS (-0,3 %)

5% Emerging Markets (EM)
$EIMI (+0,05 %)
$XMME (+0,12 %)

5%
EM Small Cap
$SPYX (-0,01 %)

5–10%
India UCITS ETF
$FLXI (+0,38 %)
$QDV5 (+0,47 %)

Additionally (5-10%), I’m considering adding one or two of the following ETFs – would love your thoughts on which one(s) you’d choose and why (or not):

• $SMH (+0,53 %) | VanEck Semiconductor UCITS ETF
• $RBOT (-0,79 %) | iShares Automation & Robotics UCITS ETF
• $AIQG (+0,65 %) | Global X Artificial Intelligence UCITS ETF USD Accumulating
• $XDWT (+0,08 %) | Xtrackers MSCI World Information Technology UCITS ETF

Finally, I’m thinking of picking around 10 individual stocks as a satellite component. Any suggestions? 🚀

Curious to hear your feedback:

• What do you think of this ETF setup overall?

• Would you add or remove anything?

• Would you tweak the allocation? If yes, how and why?

I prefer accumulating ETFs only, and I plan to add €1,000–1,500 every month going forward.

Your thoughts are much appreciated! 🙏🏼😀