$VUAG (-0,29%)

Crossed the £200,000 invested mark.

Let's not talk about returns this year, yet.

Hello everyone,

First of all, my name is Tiago and I'm from Portugal, so there's a chance I'll have some writing mistakes.

I will share with you my Portfolio and my currently ideas.

So, basically I'm a 22 years old boy that became fascinated by this world of investments in the past year. I've been reading a lot of things about the market and how it works. I consider myself a passive investor with a little affection to risk, so once in a while I might add to my portfolio some "FOMO" and "meme" stocks. My currently portfolio basically consists in some ETFs and 3 single stocks $AMD (+0,74%)
$NU (+1,01%)
$TSM (-1,21%) .

I currently have a monthly savings plan of 450€ consisting in diversified ETFs and some bitcoin:

$VUAG (-0,29%) 159 € S&P 500 35%

$VWCE (-0,12%) 135 € FTSE-ALL World 30%

$EIMI (-0,16%) 45 € Emerging Markets 10%

$MEUD (+0,95%) 45 € Stoxx 600 Europe 10%

$VAGF (+0,01%) 22 € Global Bonds 5%

$SGLD (-0,45%) 22 € Gold 5%

$BTC (-3,28%) 22 € Bitcoin 5 %

Note: I was reinforcing $XNAS (-0,31%) until last month but the geopolitical scene changed, and I decided that I should not overlap that much in US. That resulted in me moving that allocation to $MEUD (+0,95%) .

This portfolio gives me around 53% exposure to US, 19% developed markets, 13% emerging markets, 5% gold, 5% bonds and 5% bitcoin.

I know that the % would almost be the same if I only invested in: $VWCE (-0,12%) +$VAGF (+0,01%) +$SGLD (-0,45%) +$BTC (-3,28%) but I want to have the power to change the allocations and reinforce wherever I want to.

Since I am betting in the whole market I don't expect huge growth unless I reinforce with some bigger amounts when good "dips" arrive.

I have an emergency fund, but no one knows how we will end up in 5 years... that's why if a crisis arrives, I'll use my gold and bonds as liquidity to either reinforce my etfs or use that money myself.

As a new investor I start my journey really late. I’m 43yo and I’m looking to create something in order to have additional income when I will retire.

For that reason, and after many buying/ selling I ended to these etfs:

$SPXS (-0,29%) - 40% (S&P 500)

$ISAC (-0,06%) - 20% (MSCI ACWI)

$MEUD (+0,95%) - 20% (EUROPE STOXX 600)

$VFEG (-0,27%) - 20% (Emerging Markets)

Can I have your ideas/ thoughts? I want to hold these etfs and dca on them. Thanks for your time.

P.S: The $VUAG (-0,29%) you see is on different account , savings separately for my kids.

Not been investing long, let’s see how it goes.

Investing monthly into $VUAG (-0,29%) & Legal & General UK 100 Index Trust

$NVDA (+0,22%)

Made about £33600 from this stock in realized gains.

A small position left in it.

Rotating to $VUAG (-0,29%) for long term.

Maybe will make some more in future from this one.

Artificial intelligence is changing everything—our jobs, our habits, and even how we invest. But can AI actually build a better portfolio than a human investor? I decided to put it to the test.

I turned to ChatGPT, Google Bard, and several AI-powered investing tools to see what kind of portfolio they would build for me based on my risk tolerance, financial goals, and investing philosophy. The results? Some solid picks, a few surprises, and one big lesson about the future of investing.

Step 1: The AI Portfolio Construction Process

First, I gave AI some basic information about my financial situation:

✅ My investment horizon: Long-term (10+ years)

✅ My risk tolerance: Moderate to high

✅ My preference: A mix of growth, dividends, and some diversification

I expected AI to recommend something similar to my current strategy, but instead, it gave me a structured, data-driven approach that made me rethink some of my own biases. Here’s the breakdown of what AI suggested:

📊 The AI-Generated Portfolio:

50% Broad Market ETFs – $VUAG (-0,29%) , $WEBG (+0%) , and emerging markets for global exposure.

25% Dividend Stocks – High-yield and consistent dividend growers for passive income.

15% Growth Stocks – High-potential companies with strong fundamentals.

10% Alternative Investments – A mix of REITs, bonds, and even crypto $BTC (-3,28%)
$ETH (-3,95%) (which I wasn’t expecting!).

At first glance, this portfolio seemed balanced and well-diversified—but was it actually better than what I had built myself?

Step 2: Comparing AI’s Picks to My Own Strategy

I ran some backtests and did a deep dive into AI’s stock picks. A few things stood out:

📈 AI Loves ETFs – Unlike many stock pickers who chase individual companies, AI leaned heavily on ETFs for stability and long-term compounding. Makes sense!

🚀 Aggressive Growth Choices – AI selected some individual growth stocks that I had never even considered, many of them in AI, cloud computing, and biotech. Risky? Yes. But interesting!

💸 Overweight in Tech – Unsurprisingly, AI favored big tech names—perhaps too much. I had to wonder: is AI biased toward companies that are leading AI development? 🤔

🏦 No Bonds, No $GOLD ? – AI completely ignored traditional hedges like bonds or gold. This made me question if it underestimates market downturns.

Step 3: The Big Takeaways

After analyzing AI’s portfolio, here’s what I learned:

✅ AI is great at removing emotions from investing. It doesn’t panic during downturns or chase hype—it simply follows the data.

❌ AI is not perfect. It might over-optimize based on past data and ignore real-world factors like geopolitical risks or economic cycles.

💡 The best approach? A hybrid one. AI is an amazing tool, but human intuition, experience, and common sense are still crucial. I’m now incorporating some of AI’s suggestions into my strategy, but I’m not blindly following it.

Final Question: Would You Trust AI to Manage Your Portfolio?

AI investing is becoming more powerful, but would you let an algorithm handle your entire portfolio without human oversight? Or do you think

AI will never fully replace human investors?

#aiportfolio
#cryptos
#diversified
#reits

Hello

Why is the cash not getting deposited in the portfolio post selling?

Also noted that when buying it's not using the cash in portfolio.

Causing issues with calculations.

Any tips.

My portfolio is in GBP.

SO is it because of US security trades being in dollars?

But it also didn't use the Pounds available in portfolio while buying $VUAG (-0,29%) .

Anyone else facing it?

Thanks