Hello lovelies,
This year I'm going to restructure my portfolio, which is currently still quite defensive. I'm using my savings installment of €1,000 to go on the offensive over the next few months.
I'm currently incredibly well on track with my goal of € 100,000 by 2030. Certainly also because the target no longer seems so ambitious with my current savings rate and additional deposits. But let's be honest: I started in 2024 and my savings rate back then was €300. It's crazy what changes when you crack a few goals and how the focus shifts. I think the real driver was the first €10,000 in my TradeRepublic account - that had a big psychological impact.
Of course, a plan is always important when it comes to goals. I would like to briefly share the next step for my portfolio and its implementation with you.
Next Step:
Expand crypto to 10 % (currently 2 %)
Weighting $BTC (+0,5%) 80%, $ETH (-1,31%) 10%, $SOL (+1,06%) 10%
Implementation:
I am using the current market phase to massively ignite the turbo for the following years in an anti-cyclical manner. In my current savings plan, everything except for the $CSNDX (-0,22%) -position, everything is being canceled/paused. This is the plan for the next 4 months or so:
$BTC (+0,5%) 600,- €
$CSNDX (-0,22%) 200,- €
$ETH (-1,31%) 100,- €
$SOL (+1,06%) 100,- €
I will use this to make the € 1,000 offensive until around May. In addition, there will be a one-off payment of around €5,000 in April. This will also flow exclusively into offensive positions before I return to my standard mix of tech, dividend stocks and crypto.
Why now?
I'm a fan of dividend stocks & turnaround stories - I currently have around 70% of my portfolio in them. Simply because this 'you'll get something back here' psychology motivates me massively and keeps me happy.
These stocks have recently shown relative strength, while tech and software have corrected (sector rotation). As I like to trade anti-cyclically, I am now going into these punished stocks. Crypto in particular is currently offering such attractive buy prices. And let's be honest: with a long-term position, it almost doesn't matter whether the Bitcoin is collected at USD 60k or USD 45k - the savings plan over the years takes care of that.
Quick context (before you warn me): I am deliberately taking a risk with this savings plan for 3-4 months. My aim is to use the current correction ('crypto winter') to push down my entry price and quickly reach my desired 10% crypto weighting in the overall portfolio.
I can cope well with the volatility, as my existing portfolio (Unilever, dividend ETFs, etc.) is around 70% defensive and serves as a stable anchor.
What do you think of the sprint? What does your weighting look like - get out there!
