3Mes·

Hello,


With around 50 years, and 2.100.00€ available to invest what are the suggestions to split the money.

My idea is:

$XDWT (+0,28%) 25% (Or maybe $XNAS (+0,55%) )

$CSPX (+0,6%) 25%

$XDEQ (+0,75%) 25%

Some Bond ETF 10% (Advice needed)

Individual stocks 10% (For fun)

Cash 5%


All my income should be from those investments, so from time to time I have to sell some positions to guarantee some income.


If the portfolio increase only 3,5% per year it should be totally fine.


With further suggestion and discussion I can have more ways to optimize this investment


Thank you

7
14 Commenti

immagine del profilo
If you look at the largest holdings of those ETFs you'll see they are very similar! I would go for an All World ETF instead of the information tech ETF. That way you can get exposure to other markets and companies.
4
immagine del profilo
2.1 Mio?
Visualizza tutti 6 ulteriori risposte
immagine del profilo
I would use the Vanguard FTSE All World (distributing) as a basic building block and mix in the Vanguard FTSE All World High Dividend. I would then add a few dividend-paying stocks.
immagine del profilo
So apparently nobody likes bonds, maybe I can switch the sp500 and bonds to 40% of $VWRL, and then remove de XDEQ and use 45% on $XDWT.
Such a summ, 50 years old? Why not use dividend etfs and bonds and then enjoy life?
immagine del profilo
@tool1982 that's the idea. I just need to figure how exactly to do it
Mostra la risposta
immagine del profilo
Think very good strategy. Also got most of my portfolio in All World and SP500. But trying to diversity in more markets. Like Europe and Asia.
Partecipa alla conversazione