Hello everyone,
I am 20 years old, currently have a custody account of around CHF 37,000 with IBKR and save around CHF 600 per month.
My current statement:
- ETFs: $IWDA (+0,29%) (MSCI World), $IUIT (+0,01%) (S&P 500 IT), $IGLN (+1,66%) (Gold)
- Individual stocks: $NVDA (+0,46%) , $GOOGL (+1,35%) , $BRK.B (+1,12%) $IBKR, $RHM (+0,5%)
Cash: almost nothing
Considering:
- Selling some SWDA and also reducing some gold.
- With the capital freed up, invest more in S&P 500 / Nasdaq or in individual stocks ($MSFT (+2,25%) , $META (+0,05%) , $AMZN (+0,32%) , $NOVO B (+0,91%) ).
- Possibly also $BTC (-0,76%) slightly for more "risk-on".
My thoughts:
- MSCI World is too broad and too heavy in Europe/Japan for me, I see more long term return in the S&P 500.
- Gold is okay for safety, but maybe I don't need 10% at 20 years.
- I want more growth / oomph, I am also prepared to endure short-term fluctuations.
👉 Questions for you:
- Would you cut SWDA and weight S&P 500 / Nasdaq more instead?
- Reduce gold and increase tech or EM instead?
- Is it worth adding to Bitcoin or growth stocks like Novo Nordisk at my age in order to achieve even higher returns in the long term?
- Or would it be better to leave everything as it is and just optimize via the savings rate?
Thank you for your feedback 🚀
