Hi everyone!
I've been investing for almost a year now with a small amount of capital, mostly to get familiar with the world of markets and personal finance. I’m 26, conservative investor, and I’ve always kept my distance from trading, YouTube “gurus” and get-rich-quick schemes.
After some time learning and experimenting, I wanted to share my strategy and hear what more experienced investors think.
🧠 The idea: build a modular portfolio with global exposure. Instead of the usual split between developed and emerging markets, I prefer dividing by region — using two ETFs per region: one accumulating and one distributing.
Why both? Honestly, I’m still figuring it out — but I like the idea of having some exposure to dividends while reinvesting long-term. My goal is to reach €50,000 in savings as a milestone, partly because that’s the cap for earning interest on Trade Republic’s savings account (which I’m also using).
⚙️ I invest monthly (~€700) and aim to rebalance the weights annually. I selected ETFs with low TERs and (when possible) EUR-based to avoid currency conversion. It’s not always easy to find the perfect match, but here’s the setup:
- Europe (40%)
ETF (Acc) --> $SMEA (+0,24%) | ETF(Dist) --> $EQDS (+0,06%)
- USA (30%)
ETF (Acc) --> $SPPW (-0,02%) | ETF(Dist) --> $SPY5 (+0,2%)
- Emergin Markets (20%)
ETF (Acc) --> $EIMI (-0,38%) | ETF (Dist) --> $IEEM (-0,32%)
- Gold + BTC (10%)
ETF --> $SGLD (-1,68%)
The idea is to split each region’s weight equally between the two ETFs — that is, 50% of the region's allocation to each ETF. This results in a total TER of 0.289%.
Would love to hear your thoughts, feedback, or suggestions! Still very new to all this, so any insight from more experienced investors would be super helpful 🙌
Thanks for reading! 🚀