I am now invested with a total of € 20.3 thousand, having added € 540 to my $FWRG (+0,4 %) added to my account. It's not even a full year since I started, but I'm holding on to what's working. So far I'm at +17.6 % MWR YTD and +10.2 % TWR YTD. The structure is simple: a broad ETF core that I pay into every month and a small satellite segment with a few individual stocks like $ASML (+4,05 %) , $NVDA (+2,64 %) and $GOOGL (-0,95 %) as well as a very small speculative position, which includes $IREN (+3,83 %) which jumped after the Microsoft news. I stopped P2P lending this year and parked the liquidity in regulated ETFs.
My DCA has been more or less consistent. In some months I invested more, in others less. Over the next 2 to 3 months, I don't expect to add much more than €500 per month because I'm saving for a house down payment. Houses here often go for at least €20k over the asking price, sometimes even €50k to €60k.
I'm not only the first in my family to have an MSc, but also a PhD, and I'm learning about investing as I go. My subject is not finance, but it's hard to overlook how important financial education is today. We no longer live in the 80s or 90s where a single income could comfortably cover a house, vacation and a good pension. Basic investment habits seem like a necessary foundation today.
What I'm learning is primarily behavioral. Consistently paying into the core via DCA helps. Position sizes are more important than being right on every trade. Tracking MWR and TWR in parallel separates timing effects from the actual performance. In the short term, my goal remains to maximize growth with a stable all-world core. I only add to individual stocks when the prices are right.
If you have a similar strategy, I would be happy to receive suggestions on the structure. Would you expand the global ETF core further or add targeted tilts such as quality, equal weight or regional focuses to reduce concentration risks without diluting growth?
