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387So now my portfolio is up and running. Savings plans are set up
60% $VWCE (+0,57 %)
10% $IWDA (+0,64 %)
10% $BTC (-0,15 %)
10% $EWG2 (-0,94 %)
10% $V (-0,06 %)
$UNH (-1,3 %) will be increased again if prices continue to fall. Otherwise, your feedback is very welcome!
After some studying and deeper reflection, I’ve decided to rebalance my portfolio with a more structured and consistent approach.
I’ve chosen not to sell my shares in Berkshire Hathaway (BRK.B) — I don’t see any real benefit in doing so right now. However, I’ve also decided I won’t continue buying more, as I’m shifting focus.
I initially held several individual stocks like JPM, CVX, etc., but I realized that managing and researching each one in-depth requires a lot of time and effort. That’s why I’ve decided to simplify and move toward a more ETF-based strategy.
Here’s how I’m allocating my monthly contributions:
Growth-focused equity portion (~65%):
Dividend-based income portion (~35%):
Right now the portfolio is still in the modeling phase, so there aren’t any visible results yet — but I expect to start seeing them in the coming months.
Feel free to follow me if you want to monitor the progress with me!
I don’t have a stable income yet, so I’m doing my best to allocate my savings — which are still quite limited — as wisely as I can. But I’m confident they’ll grow over time.
I often hear people say that in your 20s you should focus solely on growth — and I agree to some extent. Still, I also enjoy slowly building the foundation of the income stream I’d like to rely on in 25–30 years.
What do you think of this strategy? Any suggestions or feedback? 👇
Hello everyone,
I have 2 children of my own and 4 godchildren - don't ask me how this could happen ;)
My husband and I each use our own securities account with TR to make the most of the saver's allowance - there's no other way at the moment. We have been using Oskar for our two children and godchildren for 6 years (2 different accounts). Yes, the fees are comparatively high, but somehow that was the easiest thing for us at the time - we simply weren't ready to take care of everything ourselves.
I have now opened another custody account with Scalable for my godchildren so that we can continue to invest regularly. The plan is to close the additional Oskar account (with around €3,500) and reallocate the money.
Now my mother would like to save for my niece together with me. The question is: what is the best way to organize this?
I would like to have a way of seeing how much is available for each child separately - regardless of whether they are my godchildren or my own. The children are very different ages (some are already 8, others have just been born), so transparency would be super important.
Is there a broker that allows "sub-accounts" or some sort of separate savings plans per child, ideally within one main account? I'd hate to open four different brokers just to keep track. Maybe someone has a clever tip?
PS: I would actually like to invest everything in the $VWCE (+0,57 %) one ETF for all the children. Or should I perhaps choose a different ETF for each child individually?
Thanks in advance for your input :)
Hi everyone, I am planning to build a portfolio focused on dividends and wanted to get some advice from those who may already have a few more years in the investment world.
My goal is to create a portfolio that allows me to receive dividends every month and that is composed of ETFs that guarantee both dividend growth and, most importantly, NAV growth, all geared for the long term. In addition, I would still like to devote a good portion of the portfolio to accumulation, so that I can grow something that I can reinvest all on dividends in the future (taking advantage through accumulation of self-investment of dividends).
The portfolio I came up with contains the following ETFs:
I have chosen exclusively ETFs for my portfolio, all with global exposure, as I would like the portfolio to be managed as passively as possible, i.e., the ETFs themselves take care of reallocating the weight of companies within them.
The ETFs I have identified allow me to receive monthly dividends, however, I had some doubts regarding the choice of some:
Beyond these doubts of mine, I am happy to hear other advice about portfolio organization.
Thanks in advance!
Hello community!
In view of further unrest in world trading, I am considering replacing my current MSCI World $IWDA (+0,64 %) for the All-World from Vanguard $VWCE (+0,57 %) for the All-World from Vanguard.
Idea: a little less USA, but a little more emerging markets..does that make sense at the moment? The tariffs, which are currently difficult to calculate due to Trump, are more likely to hamper China etc. for at least the next 90 days. That puts my theory into perspective.
How do you proceed? What advice do you have?
Hi everyone,
I’m 20 years old and have been investing for about a year now, mainly in an S&P 500 accumulating ETF through a monthly plan. Recently, I decided to diversify globally and bought $VWCE (+0,57 %) , but I’m having second thoughts.
I’ve been reading about $FWRG (+0,91 %) (Invesco FTSE All-World Acc), which tracks the same index but has a lower TER (0.15% vs 0.22%). Since both are accumulating and follow FTSE All-World, I'm wondering if it makes sense to switch to FWRG for better long-term efficiency.
Would it be worth selling VWCE and going with FWRG instead? Or should I just stick with VWCE since it’s more established and has more liquidity?
Any thoughts from long-term investors would be really appreciated!
