Visa Cad Hedged CDR

Good morning,

A lot has changed in my portfolio over the past year and I wanted to get some input on my thoughts.

My portfolio currently has an emerging market share of around 5.7 percent, exclusively China among the individual stocks $700 (-1,75%)
$601318
$9988 (-1,94%) as well as the EM share contained in the FTSE All World. I would like to increase this share until the overall portfolio once again corresponds to the EM share of the FTSE All World. For this reason, I will start saving in an EM ETF this month.

The percentage share of ETFs is currently 40 percent, but should be increased further in the long term. The following savings plans will be running from January:

650 euros $VWRL (+0,05%)

200 euros $FGEQ (+0,33%)

100 Euro $VFEM (-0,34%)

50 Euro $ASML (+0,05%)

50 Euro $3V6

50 Euro $MA (-0,32%)

50 Euro $SBUX (+0,25%)

50 Euro $VWCE (+0,03%) (Annex VL)

I am currently 25 years old and have been following a dividend strategy since 2018. With the current savings plans, I would also like to focus more on dividend growth.

I would be very interested in your opinion ☺️

Have today seen a video where someone said that you should start to short Visa because more and more tech companies and others are starting with payment methods and the classic will no longer hold long!

I personally think it's too early for the classic bezahmethoden crash what is your opinion?

Make me straight my thoughts $SQ (+0,04%) uses nevertheless also the Paymentnetze of $VISA and $MA (-0,32%) and must pay the fees or do they have their own ?

Well they put yes more and more on Bitcoin then that would change yes but how does it look at the moment?