2G·

Brief introduction and thoughts on the further expansion of my portfolio

Hello everyone,

I would like to introduce myself and my portfolio.

My name is Fabian, I'm 36, I'm trapped in the hamster wheel (working) and I haven't been investing for very long, as you can see from my portfolio. My savings rate is currently between €500 and €1500 per month, depending on my professional success.

My goal is to be able to live off distributions and then pursue the things that I really enjoy doing and that fulfill me. I would like to achieve this goal in the next few years and haven't yet worked out how long it will really take. But I'm guessing that realistically it will take 20-30 years. It's a shame that I didn't start sooner, but better now than in 5 years, 15 years or never.

After reading up a bit on the subject, I decided to go for the S&P 500 instead of a world and clearly against individual shares.

One of the main arguments for me in favor of ETFs is that in the long term winners are weighted more heavily and losers are weeded out.

Over the last few months, I had set myself the goal of getting the S&P 500 into 5 figures as quickly as possible. This may not be the scientifically correct approach, but it has motivated me a lot and now I am facing my first small milestone and actually have a lot more questions than before.

I'm wondering whether I should simply set my sights on 30,000 as my next goal or start a new ETF. I would somehow be very keen on the latter (for various reasons). And I would have already shortlisted the following ETFs: an MSCI World ex USA , $GGRP (+0,17%) or $TDIV (+0,01%) or Bitcoin.

Of course I could just stick with the S&P 500 only, but I don't think that would motivate me as much and I'd just take longer. Certainly not rational, but you should invest in such a way that you sleep well.

I would be very interested to know what your opinion is? Does anyone take a similar approach? Does anyone have a similar portfolio? What can be done better?

1Posizione

10.023,23 €

1,18%

8 Commenti

Philip Buß@GoldenShield

I believe that you will find few positions that can beat the returns of the "standard" indices (MSCI, All World, S&P) in the long term and in a stable manner. That's why you're hardly doing anything wrong with them. Above all, you can save for them with a long-term horizon (>15 years) without theoretically having to look at your portfolio once

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Julius G.@Julius_Gru

And I always think I started too late at 24, but don't put any pressure on yourself and go for it, as you said, better late than never

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Stulle 🥪@Stullen-Portfolio

Joah, I take a similar approach in principle: I combine various ETFs and can completely dispense with individual shares. 🎯🚀✌️😎

However, my actual implementation looks quite different. However, I also had all three of your ETFs in focus (i.e. not the ex-US one).

I'm very curious to see what you decide and what else you will combine to form your base.

Greetings
🥪

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Stulle 🥪@Stullen-Portfolio

Oh, what I do completely differently, of course, is that I focus on absolute portfolio growth and don't want to leave any returns behind, so I only have accumulators 🤷

Greetings
🥪

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Echsenkönig Atokarn@Bezehgombjuderstimme

It all sounds good at first. I recently started saving Bitcoin. You certainly won't go wrong with a world Etf. The rest will follow along the way 😀

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UnknownMakaroV601@UnknownU

I have decided on $CSPX + $VWCE + $BTC

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Tan@Chuando

@UnknownU I had also thought about it, but then you basically have a world portfolio, which instead of a 60 % USA share comes to perhaps 80 or 90 %?

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UnknownMakaroV601@UnknownU

@Chuando If you only look at the two ETFs, then I totally agree with you. You have to consider that the BTC position size is important in this case. If the admixture is only 10%, then the share of the USA is naturally quite high. But if you were to say 50% BTC and 2x25% ETF, then I think it's okay. I personally aim for 70% BTC and 3x10% ETF. But that's not a recommendation. I just wanted to share my thoughts with you.

From my point of view, I find an S&P500+MSCI World ex US quark, because in this case you could just take a normal Msci World. You certainly made a conscious decision in favor of the US market.

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