Dear Community,
I am 25 years old and have been in the world of investing since 2022. I restructured my portfolio 1.5 years ago and opted for the $VWCE (-2,39 %) with a 70% savings rate, the $GGRP (+0 %) and the $FGEQ (-3,16 %) each with a 15% savings rate. My goal is to save for retirement. At the moment I'm still studying and therefore can't invest large sums yet, but I still want to have a fixed strategy and keep feeding it as soon as I earn money and let it run until I retire. Lately I've been doing some more thinking and research and I'm generally satisfied. I know the ETFs have overlaps, but they complement each other to some extent, e.g. through a higher weighting of consumer staples stocks, which are weighted lower in the $VWCE (-2,39 %) This is also reflected in a slightly better performance in the current market phase.
As I like dividend distributions but still don't want to lose out on share price performance, these ETFs have proven to be the right choice. As I would like to build up a monthly cash flow in addition to solid share price growth, especially for the future, which will pay for my Netflix subscription now and perhaps even my rent in the future, I am considering adding the $TDIV (-1,58 %) to include in my portfolio. This would allow me to significantly reduce the US share again and diversify the sectors a little more. In addition, with the 3 distributing ETFs I would have a monthly payout, which I personally like - especially psychologically.
What do you think of this portfolio with the 4 ETFs $VWCE (-2,39 %)
$GGRP (+0 %)
$FGEQ (-3,16 %)
$TDIV (-1,58 %) with a 70-10-10-10 weighting for a holding period of 30+ years?
I look forward to your advice.
Many thanks and best regards from Mexico City.