7H·

What would you improve? 🤔🚀

My dear friends,

Not too long ago, I completely overhauled and restructured my portfolio.

Overall, I’m very happy with the allocation, but that’s just my take on things.

I’d really love to hear your thoughts—what you’d improve, what you like, and what you think is absolute nonsense.

A quick note on the portfolio:

$IREN (+4,81 %) This is now my only individual stock, which is exactly what I intended. Anyone who followed my post in May knows that not too long ago I was heavily invested in individual stocks as part of the AI trade, took home some good profits, and have now shifted to a risk-off strategy. $IREN (+4,81 %) On the other hand, this is a company I strongly believe in for the long term and am convinced of (I came across the stock independently of Getquin).

On the topic of risk-off, let’s take a look at my ETF positions, which I contribute to monthly as follows:

$IWVL (+1,22 %) 700€

$IUIT (+1,08 %) €700

$5MVL (+1,92 %) €350

$XDWF (+0,55 %) 250€

What do you think of this allocation, and what might you improve?

Where do you see further potential?

As always, I look forward to your responses.

5Positions

38 127,04 €

3,69 %

11 Commentaires

Raketentoni@Raketentoni

First of all, there’s the question: What is your goal? Your strategy? What do you ultimately want? Growth? Dividends? As much security as possible? How long is your investment horizon? These are all questions that determine your personal investment strategy.

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der_Don@der_Don

@Raketentoni My primary investment goal is to save for retirement and build financial freedom. That’s why I’m setting aside €2,000 a month. However, I’m getting married in two years, and I’ll be using some of my savings for...

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Raketentoni@Raketentoni

@der_Don Well, if you know now that you’re going to get married, then save that money in a money market account. Imagine we have a market crash by then and you’re down 30%. Then you’ll have to sell at a loss.
I’d rather set aside 1,500 or 1,000 and park the rest at 3%.
Your approach to saving for retirement is good. You’re already doing more than many others. If your life changes, rethink your strategy. No one got everything right from the start. Good luck.

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#TechNerd1337@TechNerd1337

Well, the most important piece of information is missing: the investment horizon.

They’re just over 60% exposed to AI and tech, so they’re definitely on the more aggressive side.
For me, 20% would be too high, but we’re not talking about large amounts yet.

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Musikerie@Musikerie

You’ve laid out a plan, are putting it into action, and are very happy with it. I think that’s great, and I can only encourage you to keep doing exactly what you’re doing. Regardless of your strategy, I can tell you’re well-informed and aware of the risks and opportunities. It seems like the right investment for you right now. This isn’t investment advice—it’s just gut feeling. Although, I secretly sense that you’re still missing just a little bit of spice 😝

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der_Don@der_Don

@Musikerie That came out well...😂

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Epi@Epi

You're still heavily invested in AI stocks. If that market turns downward, it'll wipe out your portfolio—including EM Value, Tech, and Financials.

Until then: Enjoy the ride! 🎢

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der_Don@der_Don

@Epi What would you recommend as a counterpoint?

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Epi@Epi

@der_Don Something that goes up for economic reasons when the AI trade reverses. 🤷

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der_Don@der_Don

@Epi That's why I have the Finance ETF…

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Epi@Epi

@der_Don That could be a costly mistake. If the AI trade reverses, many investments will be written off and companies will go bankrupt—and who gave them those loans?

Another point: What will happen to interest rates in the event of an AI crash? The Fed will have to cut them significantly—and whose profits will decline when interest rates fall?

Another point: Why do you think the stock prices of financial institutions are rising right now? And what will happen if the underlying momentum reverses?

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