Portfolio Overview

Hello everyone,

I’ve been on my investment journey for just under 2.5 years now, and I’d be very interested in your critical feedback and opinions.

First, a quick introduction:

I’m 26 years old, work full-time in the steel industry, and my monthly savings amount is currently just under 560€ -> 150€ Nasdaq 100 / 150€ ACWI IMI / 100€ physical gold / 100€ Bitcoin / €60 in a mutual fund policy.

I hope to be able to increase these amounts back to 200/200/100/100/60 in the future.

My investment horizon is about 25–30 years, so that I can transition to part-time work in my mid-50s.

I also have a home savings contract with just under 7.5k, which I consider my emergency fund.

Now, about my investment portfolio:

I have a mutual fund policy through HDI that includes the Vanguard FTSE All-World $VWCE (+0,07%) , Vanguard FTSE Dev. Europe $VWCG (+0,38%) , iShares Core S&P 500 $CSPX (+0,06%) and Franklin FTSE MSCI India $FLXI (+0,45%) . The weightings are 60/15/15/10.

In the future, I plan to simplify this and transfer everything into the FTSE All-World fund.

Basically, I’d like to keep the mutual fund policy because the contract dates back to before 2004, which means it’s tax-free.

I’m contributing about €60 per month with a 5% growth rate until the year 2045. The contract ends in 2069, when I turn 70. However, I can cancel the contract at any time and receive the money tax-free.

The rest of my portfolio consists of my core ETFs: the Xtrackers Nasdaq 100 $XNAS (+0,31%) and the SPDR MSCI ACWI IMI $SPYI (+0,08%) .

This is supplemented by just under 10% Bitcoin $BTC (+3,18%) (Bitvavo) and 10% gold $EWG2 (+1,84%) (the EUWAX isn’t eligible for a savings plan at ING, so I’ve started contributing to WisdomTree instead).

The rest consists of individual stocks, which I used to try to diversify and outperform the market. Unfortunately, that didn’t work at all, and I’ve realized that I lack the time and patience for individual stocks.

Ideas / Target Allocation:

I’d like to keep the portfolio leaner and more streamlined and sell off individual stocks in the near future. Parting with Novo, Nu, and Mastercard isn’t too difficult for me, but I really like Visa and Berkshire, as I’m convinced of their long-term quality.

My target allocation for the portfolio (excluding the fund policy) should therefore look as follows:

35% Nasdaq 100 -> alt. 40%

35% ACWI IMI -> alt. 40%

10% individual stocks -> alt. 0%

10% Bitcoin

10% gold

I’d be interested in your opinions and constructive feedback regarding the portfolio and the allocation. Should I perhaps avoid individual stocks altogether? Is it even a good idea to invest in gold at age 26? With this allocation, does it make sense to also invest in Epi’s Wikifolio $DE000LS9U6W1 (+0,45%) as well?

Thank you all in advance, and I wish you a relaxing Friday and a pleasant weekend!

Best regards,

The Blonde Investor

Aspirin A.@AspirinAndi

I find it hard to see a home savings plan as a rainy-day fund. If you really need money on short notice, you’ll probably have a hard time accessing it quickly enough, even if the plan were ready for disbursement. Depending on the terms of your contract and what you plan to do with the money, I’d cash it out when the opportunity arises and park it in a money market account that offers a decent interest rate. You usually get a higher interest rate there anyway. Otherwise, I like the simplicity of having everything included in the FTSE. If you want individual stocks, I’d just give it some time. The companies are solid and will certainly continue to perform well over the long term.

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