+++Feedback on investment allocation requested+++
Hello GQ-Community,
I have already made a few posts, but I haven't really introduced myself yet. Additionally, I would like to share my current investments/current strategy + thoughts/thoughts with you and get your feedback.
Briefly about me; I'm in my mid-30s and have been active in the stock market for about 2 years. How I got there, I can honestly no longer say.
At the beginning, I first invested in a standard world ETF, then came individual stocks, sector ETF's and at some point I was also gripped by the crypto hype. There was no real strategy. Except for the ETF savings plans, the rest was sometimes here and sometimes there, purchases, sales. So it was haphazard, but for learning not so wrong, since my amounts were also kept within limits. In addition, I had accounts with Scalable, IngDiba, TR, Bison, Binance, Coinbase (jumbled, with my inner Monk throwing a fit at some point). I'm still carrying around some legacy assets that I'm currently gradually selling (stocks, sector ETF's and some altcoins).
Then at the end of last year I told myself that it can't go on like this. I have dealt a lot with the stock market, all the news around it and so on, but never thought exactly which savings plan I activate now how and in what (except the World ETF, which actually always ran through) and why. Then I sat down at the beginning of the year, made myself a list, which I am currently refining and would like to share here.
Current allocation and investments:
In total, I have about 1,200€ monthly available, which I would like to currently allocate as follows with corresponding designation of the investment horizon:
- A - ETF's = 300€ (+30 years)
- B - Stocks = 250€ (5 - 10 years)
- C - Crypto = 300€ (I look from year to year and will be decided on a case-by-case basis, currently I wait until the next halving 2024)
- D - Call money = 350€ (Why this? Simply put, I've never really built up a cushion. When my desired amount is reached, the 350€ will go split into A and B).
What is behind A, B and C?
A - ETF's:
Here 210€ go into the $IWDA (+5,87%) (Core MSCI World), the remaining 90€ are still open. My consideration is in the area of Health Care the $IUHC S&P 500 Health Care. I find the sector itself exciting, but I am undecided about a specific stock selection.
B - Stocks:
My current thinking on how to split the savings plans would be to use 50€/month per share (20% of total Block B), so five "base shares" I'll say. Here I am filtering and sorting out. I am not looking for exotics (for the most part), but would like to cover the "standard" of the companies known to me, where I also assume that these could rise steadily in 5-10 years. The following are currently in focus ( $AMZN (+6,19%)
$GOOGL (+5,87%)
$MSFT (+7,18%)
$AAPL (+8,92%)
$ASML (+6,23%)
$BLK
$MC (+3,3%)
$NVDA (+11,74%)):
- Amazon
- Alphabet
- ASML Holding
- Microsoft
- Apple
- BlackRock
- Nvidia
- LVMH
In addition, I am currently looking at BLOCK, Snowflake, Westwing and Etsy ($SQ (+7,93%)
$SNOW (+4,97%)
$WEW (-3,69%)
$ETSY) (+6,69%). Alphabet as well as ASML Holding are already "firmly" booked mentally. I am aware that the overlap of some stocks to the MSCI World is present, but I take that.
C - Crypto:
After buying Shiba at ATH, I had to slow down here as well and considered which "cryptos" I still see in the top10 in the medium term. Therefore, the choice here fell on BTC with a 50% share in Block C, 30% ETH and 20% XRP ($BTC (+0,96%)
$ETH (+1,29%)
$XRP) (+5,42%). Especially XRP may be a Zock, but I'll take that one.
When I have basically decided here and the savings plans are running, I would of course like to further expand the portfolio through individual purchases. And yes, certainly the one or other "Zock" with small sums will be here, especially in the crypto sector.
I would appreciate feedback as well as further tips and hints. Thanks!
