3G·

Looking for a Portfolio Addition

Hey guys, I'm looking to add to my current portfolio. Right now, I have just under 3.5k in my portfolio (at 18), and of that, just under 1.9k is in $GERD (+0,01%) even though a lot of people don’t like it. Now I’m looking to expand my portfolio with more money and maybe add a new asset class—do you have any ideas on what I could look into (focusing on low risk and maybe some monthly cash flow)?

Best regards, and thanks in advance ✌🏻

1Posizione

1874,63 €

1,71%

8 Commenti

Insolvenzverwalter@Insolvenzverwalter

How exactly do you envision building up €100 million in family wealth? I think that’s a very ambitious goal, especially if you want to minimize risk and invest mainly in ETFs. Just to give you an idea of the scale: Assuming an 8% annual return, you’d have to invest about €14,300 per month over 50 years to reach €100 million. That’s why I’d be really interested to hear what your plan is :)

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Gainzilla@Gainzilla

@Insolvenzverwalter So right now, I also have shares in $BTC, plus BTC Miner. On top of that, there are four properties that I’m getting for 20, which are already fully rented and paid off and are worth just under 2.5 million; those alone bring in about 12k, and the rest will come in over time.

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Jirka@a3ph0xi

@Gainzilla this will still take a lot of discipline and portfolio adjustments. The 12k€/month should be also used for building a solid cash buffer first - real estate needs to be maintained and you never know. Is that netto or bruto? Before/after taxes? Insurance?

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Alex@AlexBloch

@Gainzilla Have future taxes and repair and renovation costs already been deducted from the 12k? ;-)

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Gainzilla@Gainzilla

@AlexBloch After non-recoverable costs and taxes, about €6,400 per month remains

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Gainzilla@Gainzilla

@a3ph0xi that is before Taxes After I left with 6.400€

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unknown@unknown

$TDIV

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Alex@AlexBloch

I would always hold 20% in (AAA-rated government) bonds in the form of ETFs: These could be long-term bonds with maturities of up to 30 years, serving as an investment reserve for times of stock market crisis, or extremely short-term bonds (money market/0–3 years) to mitigate drawdowns. It depends on your risk tolerance and tolerance for volatility.
P.S.
The $GERD is great! It’s also ideal for a retirement savings account next year...
P.P.S.
Gerd Kommer will also be launching a combined ETF soon that already includes bonds. Everything is automatically purchased and rebalanced internally according to fixed rules.

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