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Simone
@Simone_shd
1Anno·

Hello all,


I started to deal with the stock market at the end of 2022 and finally invested since January 23, briefly a few facts about me:

  • Early 20s
  • Student
  • Monthly savings amount at about 500-600 €, hopefully in the future even higher :)

My goal is the long-term asset accumulation, to be able to retire a few years earlier, or if it should not be enough in any case to have a carefree pension.


My strategy:

I am using a Core Satelite strategy, which is a bit strange; I am using a S&P 500 as a core and a technology ETF as a satellite. I am convinced that the USA will remain the No. 1 innovation leader in the future and therefore I would like to have a focus. The $XDWT (+2,17%) I have in my portfolio, as I believe that the technology sector will continue to generate excess returns in the future.

In the long term, I can imagine a shift into an all-world such as the $VWRL (+0,26%) but I hope that my current allocation will allow me to outperform the market for at least the next 10 years.


I would love to hear your thoughts on my strategy and ideas.

Guarda il mio Cruscotto ora!
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Hendrik@hendrik_lmr
1Anno
Whether the USA will remain the No. 1 in terms of innovation, I would personally doubt 🤔 I would even doubt with regard to Shenzhen that they are currently 😬 but in principle I am also long USA. The advantage of the All World Etf would be of course that possible changes in the world economic order are taken into account, so I think it's good that you do not categorically exclude rebalancing 💪🏽 I think you will definitely make very good returns with this portfolio in the coming years 🚀
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Cekay@CMustermann
1Anno
@hendrik_lmr some very smart people doubt whether the economic figures from China on which we base our assumptions are really true. There are some who think the reality is significantly less impressive. If you look at the "reality distortion" of the other red governments, that may well be true.
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1Anno
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Hendrik@hendrik_lmr
1Anno
@Sun in Shenzhen, the world's first green smart city is to be built. There is a good book with the title "Shenzhen the global economy of tomorrow". It provides good insights
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Hendrik@hendrik_lmr
1Anno
@CMustermann I did not refer to the figures, but mainly to the reports by Wolfgang Hirn from his book "Shenzhen - the global economy of tomorrow". Apart from that, you are certainly right, there will be even more falsification than in Germany and the USA.
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Shiya@Shiya
1Anno
I was originally going to go with the S&P 500 as my main ETF, and was even planning to go with that alone as of now, since I think the US will outperform the world for at least the next 10 years. Now, like you, I also want to go with the $XDWT, since tech may continue to run strong for the next few years, at least stronger than most industries. At least stronger than most other industries. My consideration was to go with the S&P 500 Information Tech ETF, but I now prefer to go with the same one as you from Xtrackers, simply because it includes the whole world. Who knows which tech company will be at the top 10 years from now?
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Krush82@Krush82
1Anno
It's a good starter combo. A shift from the S&P 500 into an all world Etf would not be wrong. I would hold the tech ETF or alternatively choose a Nasdaq ETF. But there will probably not be much difference
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Gerit@Gerit
1Anno
You can do it that way for now, just stick to quality and don't go too much into any sector bets. Emerging markets can still be bought if need be, so betting on the U.S. for now is not so bad and has been exactly the right thing to do for the last 100 years, why should this change much.
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Kevin E.@KevinE
1Anno
Looks solid, simple design, well thought out, why not? The assumptions can be evaluated only in 10 years. Find 500 € + / month as a student also already a very decent savings rate. Since some do not come here with full-time job. Of course, it's always individual, but to estimate times: about 50% of Germans put nothing back (except for saving for the next vacation or car).
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Kevin E.@KevinE
1Anno
@KevinC at 500€ / month (plus hopefully at least inflation compensation) for eg. 35 years should provide for a more than adequate pension. Maybe you just think about your ideas and calculate what is possible under realistic conditions (e.g. 5% after inflation and tax). This will make the goal a bit more tangible.
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Luca I@Ilseboss
1Anno
Your return on investment proves you right for the time being, and that's what counts, even if it's only a snapshot at the moment. Top
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