Hey everyone!

I'm 25 years old and I started investing this February, mainly putting my money into the $FWRG (+0,51 %) 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 (+0,24 %) ?

Thanks in advace for any input!

Hello everyone,

First of all, my name is Tiago and I'm from Portugal, so there's a chance I'll have some writing mistakes.

I will share with you my Portfolio and my currently ideas.

So, basically I'm a 22 years old boy that became fascinated by this world of investments in the past year. I've been reading a lot of things about the market and how it works. I consider myself a passive investor with a little affection to risk, so once in a while I might add to my portfolio some "FOMO" and "meme" stocks. My currently portfolio basically consists in some ETFs and 3 single stocks $AMD (+1,93 %)
$NU (+2,37 %)
$TSM (-0,23 %) .

I currently have a monthly savings plan of 450€ consisting in diversified ETFs and some bitcoin:

$VUAG (+0,71 %) 159 € S&P 500 35%

$VWCE (+0,56 %) 135 € FTSE-ALL World 30%

$EIMI (-0,28 %) 45 € Emerging Markets 10%

$MEUD (+0,32 %) 45 € Stoxx 600 Europe 10%

$VAGF (+0,24 %) 22 € Global Bonds 5%

$SGLD (-0,93 %) 22 € Gold 5%

$BTC (+1,18 %) 22 € Bitcoin 5 %

Note: I was reinforcing $XNAS (+0,47 %) until last month but the geopolitical scene changed, and I decided that I should not overlap that much in US. That resulted in me moving that allocation to $MEUD (+0,32 %) .

This portfolio gives me around 53% exposure to US, 19% developed markets, 13% emerging markets, 5% gold, 5% bonds and 5% bitcoin.

I know that the % would almost be the same if I only invested in: $VWCE (+0,56 %) +$VAGF (+0,24 %) +$SGLD (-0,93 %) +$BTC (+1,18 %) but I want to have the power to change the allocations and reinforce wherever I want to.

Since I am betting in the whole market I don't expect huge growth unless I reinforce with some bigger amounts when good "dips" arrive.

I have an emergency fund, but no one knows how we will end up in 5 years... that's why if a crisis arrives, I'll use my gold and bonds as liquidity to either reinforce my etfs or use that money myself.

Hi all,

I am considering to add bonds or a bond ETF to my portfolio as I’m already quite invested in tech. As in Belgium there’s a 30% tax on interests above 1024Eur I’d rather have an accumulating ETF.

Does anyone know a good reference site about buying bond ETF’s and things to consider?

I am curious about the ETF value changing in the light of currency and changing interest rates.

Would it be ‘safer’ to opt for European based governmental and corporate bonds in order to avoid let’s say deprecating dollar value with declining interest rates coming up?

Or would it be a good idea to consider a US/World bond ETF that’s hedged so you won’t have worry about European geopolitical issues nor US currency.

Would declining European interest rates have a positive influence on Eur bond ETF’s present value?

My broker could be Degiro or Bolero. Some ETF’s on the radar: #aggh
#euha
#vagf
#xhya

$EUHA (-0,06 %)
$VAGF (+0,24 %)
$AGGH
$XHYA (+0,2 %)

Thanks for your assistance!