Rein da

Today, one year ago I made my first investment with no real strategy, 20/06/2025 I bought my first share of S&P500, started small, €20 here, €50 there, just feeling my way through, buying whatever caught my eye, chasing hype, following trends without any real conviction or framework behind the decisions.

A lot has changed since then. Over the past year I’ve been gradually restructuring, learning what kind of investor I actually want to be, reducing complexity, cutting positions that didn’t serve a clear purpose, and building something I can genuinely stick to for the next 10+ years.

The strategy going forward

Long-term growth portfolio, anchored in global indices, with active conviction in selected factors and companies.

The core is simple: 50% in broad market ETFs

Everything else is built around it with the intention to boost the overall portfolio performance.

Target allocations:

Core = 50-55% $FWRG (-1,25 %) + $AVWS (-0,05 %) (90%/10%)

World Value ETF = 8-10% $XDEV (-1,63 %)

Semiconductor ETF = 6-8% $SEMI (-7,73 %)

Emergent Markets = 6-8% $5MVL (-4,17 %)

Quality = 3-4% $IUIT (-3,01 %)

Mega caps = 3-5% $MSFT (-0,66 %)
$AMZN (-3,21 %)
$META (-3,7 %)
$GOOGL (-5,32 %)

Others = 1-3%
$ASML (-3,78 %)
$NOW (-3,24 %)

Gold = 5-7% $4GLD (-1,83 %)

Bitcoin = 3-5% $BTC (-2,15 %)

I’ve some names in my watchlist in case the opportunity appears: $TSM (-5,79 %)
$MU (-10,3 %)
$NBIS (-17,57 %)
$PNG (-4,74 %)
$NU (-1,92 %)
$SOFI (-4,88 %)
$IREN (-12,07 %)
$PLTR (-2,26 %)
$MA (+2,88 %)

Main goal and top priority is to bring my Core
Position as close as possible to the target allocation and Emergent Markets as well, however I’ll keep an eye on market’s volatility.

Special thanks to @Wealth-Accelerator and everyone else that helps me daily in this amazing platform, replying to my posts or comments.

We finding direction. Year two is about executing with discipline and letting time do the work.

Open to questions and feedback, always learning 🚀

Following up on yesterday’s post, I decided to sell $NOW (-3,24 %). This wasn't because I believe it's a bad company, but simply because it doesn't fit the type of businesses I want to own in my portfolio.

With around €450 available to reinvest, I added €280 to my Core $FWRG (-1,25 %)

As for the remaining cash, I've decided to take a slightly different approach going forward. In my view, markets are looking quite stretched at the moment, so I plan to keep around 20% of every new investment contribution in cash.

This doesn't mean I'm turning bearish or trying to time the market. I still want the majority of my capital invested and working for me, and my DCA strategy remains fully intact. The goal is simply to build a cash position directly within my broker account, as my current cash balance is essentially zero.

Having some cash available will allow me to react quickly if a meaningful dip occurs or if I come across an attractive opportunity in either ETFs or individual stocks, without needing to transfer money from my bank account.

Another reason for this change is that next month my investment contributions will be significantly larger, as I'll be receiving my holiday allowance. Since I'll be investing roughly double my usual amount, I see this as a good opportunity to start building that cash reserve while continuing to increase my market exposure.

For now, my plan is simple: stay invested, keep averaging in, and gradually build a cash position so that I'm prepared when opportunities arise.

Just sold $NOW (-3,24 %) for an 8% gain. The more I think about it, the more I realize this type of company just isn’t my style. I already have enough exposure to this type of companies through $IUIT (-3,01 %) that’s a position I keep adding to every month.

Now I’ve got €450 to put to work. I’m debating between adding to $FWRG (-1,25 %) and $IUIT (-3,01 %) (roughly 70/30) or opening a new position in $MA (+2,88 %).

$MA (+2,88 %) feels much more like my kind of investment… a quality compounder with a strong moat and predictable long-term growth. At current prices, it also looks like a pretty attractive entry. I don’t think we ever get this type of price again.

Curious to hear your thoughts and I’m also open to suggestions 🫡

Personal Portfolio

Stocks

• ServiceNow $NOW (-3,24 %) 4 shares purchased — €403.20

ETFs

• Invesco FTSE All World $FWRG (-1,25 %) — €288.65
• Global Small Cap Value $AVWS (-0,05 %) — €24.31
• VanEck Space Innovators $JEDI (-8,44 %) — €120.20
• iShares MSCI Global Semiconductor $SEMI (-7,73 %) — €110.86

Bitcoin (Bitvavo) - €100

Subtotal invested: €1047.22

Next Month Target

• 90% of the DCA allocated to $FWRG (-1,25 %) + $AVWS (-0,05 %)
• 10% of the DCA allocated to $XDEV (-1,63 %) to bring it back to the desired portfolio weighting
• 1 $AMZN (-3,21 %) share if the price still in my range to buy - €240 Max

Shared Portfolio with My Girlfriend

ETFs

• WisdomTree Quantum Computing $WQTM (-5,07 %) — €154.47
• Invesco FTSE All World $FWRG (-1,25 %) — €130.00
• Xetra Gold $4GLD (-1,83 %) — €20.00
• S&P 500 Information Technology $IUIT (-3,01 %) — €45.00
• Avantis Small Cap Value $AVWS (-0,05 %) — €25.00

Bitcoin (Coinbase) - €50

Subtotal invested: €424.47

Next Month Target

• 80% of the DCA allocated to $FWRG (-1,25 %) + $AVWS (-0,05 %)
• 20% of the DCA allocated to $IUIT (-3,01 %)

Total invested: €1471.69

What do you consider better, being heavily invested in tech for let’s say the coming 30 years via $XLKS (-3,39 %) or $XNAS (-2,97 %) ? Or being broadly spread via something like the $VWRL (-1,34 %) , $VWCE (-1,39 %) , or $FWRG (-1,25 %) in the form of an all-world ETF? Keeping in mind my other plays are mostly financial and infrastructure individual picks.