What would you do with the ETFs if you were me? Merge and put everything in the $VWRL (+0,24 %) or with $IWDA, $XMME (+0,37 %) and $CSPX (+0,15 %) continue? Or simply take more risk without $XMME? (+0,37 %)
savings rate is 1000€.
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110What would you do with the ETFs if you were me? Merge and put everything in the $VWRL (+0,24 %) or with $IWDA, $XMME (+0,37 %) and $CSPX (+0,15 %) continue? Or simply take more risk without $XMME? (+0,37 %)
savings rate is 1000€.
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 (+0,19 %)
$XNAS (+0,19 %)
$CSNDX (+0,2 %)
15–25%
S&P 500
$VUAG (+0,13 %)
$CSPX (+0,15 %)
$SPYL (+0,15 %)
10%
World ex US
$WEXU (+0,12 %)
$IE000R4ZNTN3 (+0,27 %)
$EXUS (-0,02 %)
10%
Small Cap US Value
$ZPRV (+0,03 %)
5% Small Cap World $WSML (+0,2 %)
$ZPRS (+0,16 %)
5% Emerging Markets (EM)
$EIMI (+0,15 %)
$XMME (+0,37 %)
5%
EM Small Cap
$SPYX (+0,21 %)
5–10%
India UCITS ETF
$FLXI (+0,85 %)
$QDV5 (+1,05 %)
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):
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! 🙏🏼😀
I have a question for you. So far I have only saved one $IWDA (+0,13 %) saved. However, I would now like to diversify this core more. In future, I would like to invest 65% in the $IWDA (+0,13 %) 20% in a $XMME (+0,37 %) 10% in $EXSA (+0,15 %) and 5% in $EWG2 (-0,16 %) into one. Should I now save the amount I have already saved with the new allocation from next month or should I divide the sums between the new ETFs until the allocation is correct?
Good evening, everyone!
I’m looking for some advice on my investment portfolio and would greatly appreciate your recommendations.
A bit about me: I’m 32 years old and have been investing for the past three years. My goal is long-term investing, with a horizon of 20 years or more. As a programmer, I’m particularly interested in building a diversified portfolio with a focus on the technology sector.
Since investing is not my primary field, I want to keep my strategy as stress-free and passive as possible. My idea is to keep it as simple as possible. At the moment, I can invest around €1,200 per month.
The distribution I’m aiming for is as follows, although I plan to rebalance my portfolio monthly to achieve it:
Does this allocation make sense to you? Are there any adjustments you’d recommend based on my goals and risk profile? I’m open to any feedback or suggestions you may have.
Hello to the community!
Before the holidays last year, I dared to take the step of liquidating my building society savings and reducing my call money account. The basic idea was a 70/30 savings plan in $IWDA (+0,13 %) and $XMME (+0,37 %) to make everything a bit more diversified!
I also bought a few individual stocks. My favorites are $1810 (-0,04 %) (has gone very well for me personally so far) and $TTWO (+0,16 %) (because of the good prospects for GTA - intended as a gamble, so don't get hung up on it)
How would you mainly rate the 70/30 strategy? Stupid move? Go ahead with it? What about the $VWRL (+0,24 %) ?
I'm already looking forward to your reviews!
My portfolio has made a good start to the new year, up around 2.5% (as at the time of writing). I also think the overall position is quite okay. I'm currently enjoying individual shares more, which is why I'm not quite happy with my 70/30 ETF/share strategy. However, my savings plans are still the same.
$IWDA (+0,13 %) 70%
$XMME (+0,37 %) 30%
I also save $1810 (-0,04 %) with a small savings rate.
However, I am currently considering diversifying the Chinese market with $1211 (-0,39 %) .
In addition $ELF (-0,07 %) the last few days, as I expect a good return there due to the sell-off, which was actually not so bad and in my opinion too strong. But as I said, this is pure speculation.
My next goals are the 5k which I will probably reach this year with my savings rate. That's why I've raised it to 10k =)
Feel free to write your opinion on the portfolio or my approaches, as I said I am not a professional but rather a beginner ; )
I had no financial education until July when I enrolled in a graduate course in finance and discovered a passion. I would like to get some opinions or tips to improve my portfolio😊
In watchlist currently I also have $SPOT (+0,05 %)
$NFLX (+0,14 %)
$LDO (-0,43 %)
$SCWX (+0,23 %)
$XMME (+0,37 %)
$IUIT (+0,24 %)
Moin,
I need a few tips and suggestions for my portfolio.
Current savings plans as of 01.02.25 $IWDA (+0,13 %) , $QYLE (-0,04 %) , $IUIT (+0,24 %) , $ISPA (+0,26 %) , $XNAS (+0,19 %) , $XMME (+0,37 %) .
Every month, €800 goes into the savings plans.
300€ $IWDA (+0,13 %)
150€ $QYLE (-0,04 %)
100€ $IUIT (+0,24 %)
100€ $ISPA (+0,26 %)
100€ $XNAS (+0,19 %)
50€ $XMME (+0,37 %)
Target weighting:
70- 80 % Etf
20-30 % crypto
Hello everyone,
briefly about me:
I completed my training as a real estate agent two years ago and started my own business a year ago. Since then, I have set up a property management company and a real estate agency. I currently hold a slightly higher proportion of cash in order to be able to make investments in the company.
My aim is to make passive provisions for retirement with ETFs on the one hand and to buy individual stocks that I like or that have recently experienced a price slide on the other. In this way, I want to benefit from the recovery in the short term and take a few profits on the side.
This is how I am currently investing in my ETFs:
I have deliberately decided against a $ACWI as I prefer to determine the weighting between America and Europe myself. I also don't invest in emerging market ETFs such as $XMME (+0,37 %) as I find them too risky.
My crypto allocation is currently very high due to the recent price increases. I will also be selling Doge and XRP soon or taking profits.
I would be interested to know what you think of this strategy, whether you would do anything differently or which buys/sells you would consider.
I've finally managed to convince my parents that it's time to dive into the stock market and start investing regularly. As of March, I have a monthly budget of €538 (mini-job), which I will invest in various ETFs and shares to build up a broadly diversified portfolio to have a good buffer after graduating from high school.
My plan:
1. core/buffer (70%)
The majority of my budget goes into broad and stable ETFs that offer broad diversification:
$IWDA (+0,13 %) (200 €): This is my basic ETF that covers companies from the largest and developed markets. It offers a stable and long-term source of growth.
$CSNDX (+0,2 %) (100 €): This ETF focuses on technology companies that are likely to continue to grow strongly over the next few years.
$XMME (+0,37 %) (75 €): I also want to invest in emerging markets such as China, India and Brazil to benefit from the momentum in these regions.
2. theme-specific ETFs (20%)
Here I focus on promising themes and markets:
$DFEN (+0,16 %) (50 €): An ETF that invests in the defense industry, a sector that could continue to grow in the coming years.
$INRG (+0,03 %) (50 €): Sustainability and the energy transition are important . I would therefore like to invest in renewable energies in order to benefit from green energy.
3. individual shares (10%)
I want to supplement my portfolio with individual stocks that have the potential for strong growth.
~60€ left for:
E.g
I'm delighted that I can finally start investing and I'm excited to see how my portfolio will develop over the next few years!
Any ideas for improvement or tips? Keep them coming 👀
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