We added a new $VWCE package.
I will continue to increase until I am looking for 85-90% total portfolio in this fund.
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456hello, I am 18 years old and I started investing 4 months ago, I currently have a savings plan set up: 300 in $VWCE (+0,72%) , 50 in$XDWT (+1,5%) (to give my portfolio a little boost) and 25 in $IGLN (+2,38%) , also I invest in bitcoin.
Next year im going to start with a BSc in civil engineering (if someone is in this field of work id like to know your experiences) so my savings rate will slow down a bit.
What do you guys think of my portfolio?
September was a good month for my portfolio, finishing at +6.02%. When I started investing a few months ago, I honestly didn’t expect to see results like this - I thought I’d just be trying to keep up with inflation.
During the month I added positions in: $NOVO B (+1,42%), $CNR (-0,34%), $UNH (+2,04%) and $BTC. (+1,5%)
I also sold my S&P 500 ETF to keep things simple and hold only $VWCE (+0,72%).
On top of that, September was the month I received the highest dividends since I began investing. It’s great to see the progress step by step.
One week ago, I decided to sell my $VWCE (+0,72%) shares, Why? Because I just decided to pursue what i do best and I like the most: holding a high-conviction portfolio with the companies that have the widest moats on earth, combined with network effects, high barries to entry, high switching costs and truly high ratios. Inspired by Dev Kantesaria and Joseph Carlson. And I aim to buy them cheap when they are surrounded by a bad narrative.
New additions:
$FICO (-6,26%) A monopoly in credit scoring, heavily protected by regulations as Freddie Mac and Fannie Mae require a FICO Score to buy the mortage from the banks to then make it a MBS (Mortage-Backed Security). Today up +19% as they have eliminitaded the credit bureau intermediaries ($EFX (+1,97%)
$TRU (+3,82%)
$EXPN (+1,47%) ), making its Score cheaper for banks, and aswell increasing their margins.
$INTU (+0,5%) monopoly in medium and small companies accounting and consumer taxes payment in the USA and Canada. Astronomically high switching costs, and nobody wants to mess with their taxes or their accounting.
$DUOL psychology-based monopoly, built on network effects and habits. Largest language-learning database on earth, with hundreds of millions of MAU (Monthly Active Users) and more than 10million DAU (Daily Active Users), who do not wanna break their +1000days streak. Its subscription-based model is top-tier for fundamentals. Furthermore they are growing their TAM (Tota Addressable Market) with the addition of math, music and chess lessons., aswell as expanding the high-margin revenue stream form the DET (Duolingo English Test) worlwide.
I divide my investments in three types:
Hello everyone,
With today's execution of my savings plan $VWCE (+0,72%) I have more than €30,000 in my custody account. Tomorrow there will be another execution of €160 on my dividend stocks, which I recently started saving in a savings plan.
Next stop: 40k 📈😎
I'm currently setting up a junior custody account for my older son and I'm not sure whether I should put 100% into the $VWCE (+0,72%) or 70-80% $VWCE (+0,72%) + X via a monthly savings plan.
As X I could think of $BTC (+1,5%) / $WGLD (+1,81%) / $WSIL (+2,6%) or also $EIMI (+0,92%) or $ZPRX (+0,23%) in order to be more broadly positioned.
My favorite would be 70% $VWCE (+0,72%) + 15% $WGLD (+1,81%) +15% $BTC (+1,5%).
How did you handle this with your junior portfolios? I would appreciate your recommendation / assessment.
I have already looked into the advantages and disadvantages of accumulating and distributing ETFs and have decided in favor of the accumulating ETF. The dividends would be too low for automatic reinvestment and my objective is to avoid fees and taxes in addition to minimizing the effort involved in managing the custody account. Using NV, it may also be possible to reallocate once or for the first time after 8-10 years in order to take the profits tax-free.
This is my target allocation for long term growth, what do you guys think?
Have a nice Friday together!
I am currently considering switching my ETF holdings of the $VWCE (+0,72%) into an S&P 500 in order to finally commit to a long-term core. I want to get rid of the FTSE All World as I feel I am giving away performance and the S&P 500 might be a better choice for me.
I am still undecided which provider to choose for the ETF, can you please tell me your experience and which S&P500 you invest in.
Have a nice weekend everyone.
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