Hi everyone,

I’m 28 and planning to invest €80,000 with a long-term, offensive strategy. I’m aiming for broad global diversification, focused on both value and growth. I’m totally fine having 60–70% of my portfolio allocated to the U.S. and with exposure to emerging markets as well.

Here’s a rough outline of the allocation I have in mind:

30–40%
Nasdaq 100
$EQQQ (-0,21%)
$XNAS (-0,21%)
$CSNDX (-0,19%)

15–25%
S&P 500
$VUAG (+0,11%)
$CSPX (+0,09%)
$SPYL (+0,09%)

10%
World ex US
$WEXU (-0,13%)
$IE000R4ZNTN3 (-0,37%)
$EXUS (+0,27%)

10%
Small Cap US Value
$ZPRV (+0,98%)

5% Small Cap World $WSML (+0,36%)
$ZPRS (+0,22%)

5% Emerging Markets (EM)
$EIMI (-1,45%)
$XMME (-0,49%)

5%
EM Small Cap
$SPYX (+0,03%)

5–10%
India UCITS ETF
$FLXI (+0,19%)
$QDV5 (+0,2%)

Additionally (5-10%), I’m considering adding one or two of the following ETFs – would love your thoughts on which one(s) you’d choose and why (or not):

• $SMH (+0,15%) | VanEck Semiconductor UCITS ETF
• $RBOT (+0,21%) | iShares Automation & Robotics UCITS ETF
• $AIQG (+0,03%) | Global X Artificial Intelligence UCITS ETF USD Accumulating
• $XDWT (+0,26%) | Xtrackers MSCI World Information Technology UCITS ETF

Finally, I’m thinking of picking around 10 individual stocks as a satellite component. Any suggestions? 🚀

Curious to hear your feedback:

• What do you think of this ETF setup overall?

• Would you add or remove anything?

• Would you tweak the allocation? If yes, how and why?

I prefer accumulating ETFs only, and I plan to add €1,000–1,500 every month going forward.

Your thoughts are much appreciated! 🙏🏼😀

70k goal achieved 🚀

Next year the goal is to achieve 100k.

Assuming that I need 30k in savings, I'll have to save 2500€ per month, for 12 months.

That will only be possible due to a mix of factors:

• 30% ruling tax benefit ( thank you NL 🇳🇱 )
• living with flatmates
• new higher paying job

My tactics for next year are

• 2000€ in $SPYL (+0,09%)
• 500€ in $NU (+2,2%)

$SPYL (+0,09%) there isn’t much to say. I believe in the American economy, so my chips will be there.

$NU (+2,2%) is a risky bet and I will DCA a bit more.

on a side note, I am curious about a future Klarna IPO 🇸🇪

we go by going 🚀 🚀🚀

Investing at the worst times

These are the annualized returns for an investor who bought the day before Covid-19, or just before the Great Financial Crisis in 2007, or at the peak of the Dot Com bubble - not ideal, but not disastrous in hindsight. 

The miracle of equities is that, despite your rotten luck, you still end up okay if you allow enough time to pass.

$VUAG (+0,11%)
$CSPX (+0,09%)
$VOO (+0,32%)
$SPYL (+0,09%)

Hello community!

I'm quite new to the investments world, but I've studied a bit and I'd like to have an additional opinion about how to invest my money.

I have 20k euros to invest, and I plan to add 400 euros every month.

I plan to let this money grow for at least 20 years or even more.

I have decided to invest in I decided to invest in an All-World ETF and my choice fell on $VWCE (-0,22%) (I have also considered the $FWRG (-0,27%) which has lower TER, but also lower fund volume and higher spread).

But I'd like to add one or more (not to much) ETFs to boost up a little bit the performance and I was thinking about some ETFs on the Nasdaq100 or the S&P 500 indexes (like $SPYL (+0,09%)
$SPXD (+0,13%)
$VUAG (+0,11%)
$VUSA (+0,1%)
$EQQQ (-0,21%)
$UST (-0,21%) ).

What do you think about this idea? I have read that there is an overlap problem doing this but I'd like to have more opinions about it.

I think also that would be nice to have some money coming from dividends for everyday use, but I haven't searched nothing and it's not essential for me.

Have you got any suggestions?

Thank you in advance