After some studying and deeper reflection, I’ve decided to rebalance my portfolio with a more structured and consistent approach.
I’ve chosen not to sell my shares in Berkshire Hathaway (BRK.B) — I don’t see any real benefit in doing so right now. However, I’ve also decided I won’t continue buying more, as I’m shifting focus.
I initially held several individual stocks like JPM, CVX, etc., but I realized that managing and researching each one in-depth requires a lot of time and effort. That’s why I’ve decided to simplify and move toward a more ETF-based strategy.
Here’s how I’m allocating my monthly contributions:
Growth-focused equity portion (~65%):
- 24% in S&P 500 $CSPX (+2,79%)
41% in $VWCE (+2,17%)- This gives me an approximate 80% U.S. / 20% global exposure.
- My view is that Europe will likely continue to struggle in the long term due to regulatory constraints, while China’s economy, being excessively state-managed, lacks the transparency and predictability I look for as an investor.
Dividend-based income portion (~35%):
- 17% in $TDIV (+0,61%)
10% in $SPYD (+1,23%)
2% in Realty Income $O (+0,18%)- 2% in Johnson & Johnson $JNJ (+0,08%)
2% in Visa $V (+1,76%)- 2% in Procter & Gamble $PG (-0,8%)
Right now the portfolio is still in the modeling phase, so there aren’t any visible results yet — but I expect to start seeing them in the coming months.
Feel free to follow me if you want to monitor the progress with me!
I don’t have a stable income yet, so I’m doing my best to allocate my savings — which are still quite limited — as wisely as I can. But I’m confident they’ll grow over time.
I often hear people say that in your 20s you should focus solely on growth — and I agree to some extent. Still, I also enjoy slowly building the foundation of the income stream I’d like to rely on in 25–30 years.
What do you think of this strategy? Any suggestions or feedback? 👇