1J·

Which core for 21 year olds?

Hello dear community,

I currently need to make a major investment decision. I would like to keep the money invested until I retire in 45-50 years.

Overall, the core should make up 30-40% of my portfolio.

As I am still unsure, I have only invested a "small" part in the $VWCE (-1,16 %) only once. Opportunity costs and all that...

After sleeping on it for a few days, the thought occurred to me that I should invest in somewhat more aggressive ETFs.

The following came to mind:

$CSPX (-1,21 %)

$CSNDX (-2,38 %)

I will also diversify further with 20% $BTC (+0,07 %) and possibly some gold.

A little hype stocks (e.g: $IREN (-9,32 %) , $ATAI (-3,18 %) ) from time to time - otherwise where's the fun in that?

So the real question again:

Which core can you recommend to me?

More risk because of the long investment horizon?

Or do you have cheaper alternatives?

What do you think about leveraged ETFs because of the investment horizon?

And do you have any other tips for me outside of deciding on the core?

Thank you all very much! :)

11.12

Vanguard FTSE All-World ETF

Acheté x50 à 144,14 €

7 207,00 €

9 Commentaires

Max@Divident_e

You should first become aware of your strategy and what you really want

•

Dividendenkobolt@Dividendenkobolt

@Divident_e Core Satellite. As I said, I am still unsure which etf I should take as the core

••

Play R.@Playrio

Short answer with regard to your investment horizon: In my view, the purchase is appropriate. Personally, I would not buy a "US only" ETF with this long horizon. The world may be a different place in decades.

•

Demas@Demas

@Playrio indeed, the money is in the emerging markets

•

Bene@bene87

I would recommend $SPYI, which I also have in my portfolio. I want to diversify as much as possible with the core, hence the most broadly diversified ETF (World + EM, incl. small caps). The fun comes with individual stocks.

•

Smudo@Smudeo

Small change still post here OK!

••

Kai@Dividenden-Sammler

In my opinion, depending on how "risky" you want to be, ETFs that track either the FTSE Allworld, the MSCI World, the ACWI or the S&P500 are a good choice. I would add the Nasdaq100 as a satellite at the most - and I would also like to have a slightly higher weighting than usual for satellites. But not as a core ETF for the portfolio.

••

Nova@Nova_portfolio

VWCE or VEVE/VFEM 90-10. I personally chose the latter. WEBN if you want an alternative with lower TER. I personally find SPY and especially QQQ too concentrated and thus too risky for a core

••

Susanne@Isus01010

I think that's a great core. You can gradually add more risk as your experience and invested capital increases. e.g. from 10k an additional investment to which you are 100% committed and don't get out just because you see red figures for a few months.

••