A silent reader for a long time, now my first post asking for feedback on my portfolio.
# Investment strategy
- Core-Satellite with MSCI World $IWDA (-0,04%) , $SPPW (+0,06%) and SP 500 $CSPX (-0,23%) , $I500 (-0,22%)
- Monthly investment: € 3,000-6,000 (fluctuates seasonally/because of bonuses and vacations).
- Current monthly savings plans: $VFEG (-0,04%) Emerging Markets 1000€, MSCI World 1000€, Euro Stoxx 600 $MEUD (+0,35%) with 600 € + $EWG2 (+0,8%) Gold and $BTC (-0,21%) -purchases on top without a fixed savings plan.
- Individual shares: US Hyperscaler $GOOG (-0,5%), $MSFT (-0,15%), $AMZN (-1,27%) due to professional proximity, US share deliberately reduced by other stocks, etc. $DTE (-0,22%) , $NOVO B (+1,06%) , $ASML (-0,29%) ,
- Target weighting for alternative investments (gold/BTC) at least 10%.
- S&P 500 savings plan currently suspended as valuations appear too high.
- In future possibly: Max. 10% in speculative individual stocks (max. 2% per security). There are always interesting ideas here in the community
# Targets
1. remaining amount from house loan: due in 5 years € 35k (currently € 600/month charge) + in 10 years € 217k (currently € 1,600/month charge). Due to favorable interest rates (1.3%), I do not make any early unscheduled repayments.
2. building up retirement provision & financial freedom.
# Notes
- I have 2x SP500 and 2x MSCI World because I switched due to high gains and lower TER. It was recommended somewhere because of the FIFO principle for payouts. In retrospect, I would solve this at ING with a 2nd custody account.
- I have my BTC with Bitvavo and am satisfied
- Child custody account: In $TDIV (+0,54%) invested, dividends (~600 €/year) are reallocated to MSCI World to use the exemption order, current custody account value for the 4-year-old: 4,900 €.
- Both employed (41/36 yrs.), gross household income ~€185k/year, wife works 32 hours/week.
- Property value house (new build 5 years ago in a medium-sized state capital), rented and paid-off condominium (600e/m net rent), occupational pension, Riester ETF are not included here.
My tip to the getquin community: Don't forget to live your life while investing :-)
For me:
- Own house -> quality of life is priceless, I can only recommend it to everyone, even if I had to almost completely liquidate my portfolio 5 years ago
- Road trips in the USA/Canada (before child and before Trump) -> countless great experiences
- Ford Mustang GT Convertible (6th gen) -> :-)