$CSPX (+0,25%)

$CSNDX (+0,76%)

$IWDA (-0,36%)

$VWRL (-0,07%)

Hi, I'm 20 years old, and I'm currently saving €1,200 a month. Of that, €1,000 goes into the $VWRL (-0,07%) and €200 goes into the $TDIV (-1,01%) . My goal is to reach hit the 100k mark by the time I’m about 25–28 years old.

What do you think of this portfolio, and what changes would you make, if any?

Let’s go—I finally hit the next 10k milestone.

I’ll repost when I hit 50k (hope it doesn’t take too long😃).

My DCA is currently at 800€ + reinvested dividends.

$VWRL (-0,07%) 400€

$VHYL (-0,55%) 100€

$GOAI (-0,3%) €25

The rest goes into my satellite funds.

$GOOG (+0,69%) €35

$AMZN (+1,11%) 35€

$O (-0,9%) 25€ + dividend

$MAIN (-2,26%) €15 + dividend

and a few more😃

I have built up my position in the Vanguard FTSE Global All-Cap UCITS ETF ($VALLD) with 500 shares.

The ETF was launched only recently, so no official distribution dates have been announced yet. It is believed that the distribution intervals could be based on those of the Vanguard FTSE All-World ($VWRL).

However, since the $VALLD (-0,05%) is still very new and is only beginning to build up assets, I consider a first distribution in September to be rather unlikely. A date in December seems more realistic, once sufficient income has been accumulated and the fund makes its first regular distribution.

It is currently impossible to predict how high the dividend will be. Although the composition is similar to that of the $VWRL (-0,07%) , the payout ratio and timing may still differ. At the same time, the fund’s assets under management are growing because many investors have already set up savings plans—a factor that contributes to the ETF’s long-term stability.

For my dividend strategy, this means: I’ll monitor the first distributions, analyze their amount and regularity, and then decide whether to further expand my position. The current price is attractive, but for me, sustainable dividend quality is the top priority.

In short:

I invested in the ETF early on, wait for the first reliable dividend data, and then decide on further purchases—as part of my strategy to use dividends over the long term to cover fixed costs.

August marked the end of the most successful month for my total net worth since I started tracking it in 2018—all in all, a gain of over +12%! 😊. To be fair, the last few months have been turbulent, which is why I still haven’t reached a new ATH overall, but I’m happy about it anyway! 👍🏼

Portfolio overview:

👉🏻 August:

Starting value: 1,270,244 euros + 16.65 cash

End: 1,477,964 euros + 70 cash

Deposit: 1,300 euros

Profit: +206,473.35 euros (+16.25%)

It comes as no surprise that the positive performance is attributable to the very strong performance of the gold and silver stocks in my portfolio. Easing concerns about potential interest rate hikes in the U.S. led to a small rally in gold, silver, and mining stocks... at least until last Friday. Although Warsh threw a wrench in the works with his speech, I remain fundamentally optimistic. The overall situation has not changed... Therefore, I am sticking with my investments $KNT (+1,36%) (K92 Mining), $EQX (+1,69%) (Equinox Gold), and $SCZ (+6,95%) (Santacruz Silver Mining). 👍🏼

Other than that, not much has happened with individual stocks. Only $PYPL (-0,97%) (PayPal) has once again been making headlines. By now, everyone has surely heard that Stripe’s takeover bid is now definitively off the table. Of course, that didn’t do the stock any favors, but personally, I believe that was the better decision for (us) shareholders in the long run. Especially after the strong quarterly results we saw recently, the offer really was a joke. We’ll see how things play out, but I’m optimistic here as well! 😊

Otherwise, I’ve decided to restructure my asset allocation and my portfolio for the medium term. The reason is that I want to get things in shape for a potential “Barista-FIRE” over the next 5 years. Right now, about 1/5 of my assets are invested in fixed-term deposits, which, in the end, is far too much for me and doesn’t perform well enough.

My goal for the future:

👉🏻 Call money: 50,000 euros

👉🏻 Brokerage account: The rest

In the future, three-quarters of the portfolio should consist of the $VWRL (-0,07%) (FTSE All-World) and one-quarter in individual stocks. Currently, that would mean about 1.5 million euros in the ETF and 400,000 euros in individual stocks. This way, I’m not completely giving up the fun of investing in individual stocks, while also adding stability to my portfolio. Of course, this isn’t a restructuring that will happen overnight, but I’ll be working on it over the next 2–3 years. I’ll definitely keep you updated here on how things are going! 🚧

➡️🆓: On my path toward 4 million in total assets, I’m now 46.9% of the way there.

Well, let’s see what September has in store for us tomorrow!

Here’s to successful stock market trades! 😊