3Mon·

Tech-Driven Long-Term Investment Portfolio

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:

40% MSCI World ETF $IWDA (+0.36%)
15% MSCI Emerging Markets ETF $XMME (-0.32%)
15% Bitcoin (or a Bitcoin ETF) $BTC (-0.23%)
10% Nasdaq-100 ETF $CSNDX (+0.19%)
10% Smallcaps Rusell 2000 $XRS2 (+0.45%)
5% Physical gold $GLDA (-1.42%)
5% Thematic ETFs (e.g., Semiconductors. I’m also considering adding ETFs related to AI, big data, or other emerging trends. I’d love to hear your suggestions on this.) $SMH (+0.38%)

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.

Thanks in advance for your insights!#etfs
#tech
#crypto

3 Comments

3Mon

Hey,
I like your idea of building a diversified portfolio and I can see that thought about your strategy and don't want to invest in something you don't understand. 🚀

My only recommendation would be to focus on a small amount of invests. I personally would skip the $CSNDX and the $XRS2 as well as the $SMH ETFs because your World-ETF already covers a large piece of the US industry (around 70% according to the allocation). If you would invest in other US focused stock you would make yourself dependent which is not what you want when investing diversified. 😎

My Tip - just try to diversify your portfolio, focus on a few but stable invests and try to keep it simple - with this you will have the best results while using only a small piece of your time per day/week! ⏰

Hope this helps! 😄
(Don't mind my english - I'm not a native speaker 😅)

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Kevin V.@kevinvig7

3Mon

@batic420 Thanks a lot for your response :). I will consider your suggestion, I could probably sell those ETF's and reassign them to the others. Less is more. What percentages would you recommend in that case?

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batic420@batic420

3Mon

@kevinvig7 mmh difficult question to be honest... 😅
I'm currently also in the process of setting up my whole portfolio and I'm also thinking about adding a Emerging Markets or Europe ETF to my portfolio via savings plan. 😄

I think this depends a lot on how independent you want to be.
For your needs maybe a Core Satellite Strategy would be a solid base. It can also be used with ETFs so good for diversification. Here you have a ratio of 70-80% for your core and 30-20% for your satellites. 🛰️

In your case the core would be your World-ETF and satellites could be an Emerging Markets ETF. 😎

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