7Mo·

Hello everyone,

I have recently started investing and would like to hear your opinions on my investment strategy.

I can save around €3,000 per month. I invest €2,000 of this in ETF savings plans:

700 € in the FTSE All-World $VWRL (-1,12 %)
1,000 € in the S&P 500 Core $CSPX (-0,8 %)
100 € in the VanEck Semiconductor $IE00BMC38736 (-1,03 %)
100 € in the S&P 500 Info Tech $IUIT (-0,75 %)
100 € in the Xtrackers Artificial Intelligence $XAIX (-0,86 %)

I also invest €1,000 per month in growth stocks.

I am aware that some sectors in my ETFs and even shares overlap. However, as I am deliberately aiming for an overweight in the tech sector, I am following this strategy.

I look forward to your feedback and advice! #etfs
#stockanalysis
#tech
#investing
#growth

7 Commentaires

KingC@RaphGM

7Mo

Forget thematic ETFs and just invest: a FTSE All World or MSCI ACWI IMI is perfectly adequate to start with.

If you want an overweighting towards the US, which I would advise against, you are welcome to take an S&P500.

I would also advise against individual stocks when you are starting out.

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Attila I.@Attila_ism

7Mo

@RaphGM Thanks for the answer! Should I save most of my amount on All World then? Since I see more future in tech and AI, I wanted to include it as an extra ETF.

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KingC@RaphGM

7Mo

@Attila_ism
I would save a large part or even 100% in a world ETF, at least at the beginning.
All tech/AI stocks are already included in a world ETF, so you will already benefit from that.

But if you still want to overweight this sector, then go for individual stocks rather than a sector ETF that contains winners but also losers.
Since I only invest in ETFs, I would rather let other investors advise you.

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Unbekannt@Pirat123

7Mo

I started with individual shares because you can get a higher return there... but I was often taught better and sold at a loss. I currently still hold 4 companies as individual shares, the rest I have sold and reallocated.
I now only hold the All World as a foundation. Since I'm taking the risk, the S&P500 - the All World is now up 20%, S&P500 up 10% 😅

I would advise you to go for an all world etf, very boring with a savings plan and just enjoy it. Without stress, research etc.
If I had known better earlier or at the beginning, then definitely ETF

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Attila I.@Attila_ism

7Mo

@Pirat123 Thanks for your answer! And the other specific ETF (AI and Tech sector) would you also add on All World?

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Unbekannt@Pirat123

7Mo

@Attila_ism What do you mean? Don't understand your question?
Just an all world and that's it. That's enough

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benkli78@benkli78

7Mo

That's exactly what I would do. You can invest in the thematic ETFs because they only contain top companies. The All world is too big, boring and the performance is significantly lower than the others you have chosen. I would take the msci world as a base and the s&p 500 info tech. as a supplement.

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