Hi there, i'm quite new here around and I'm moving/restructuring my portfolio from a private banking to TR, following @DonkeyInvestor suggestion here is my portfolio presentation:

INVESTMENT HORIZON & GOALS:

I'm 38 yo from Italy, no wife no kids, not planning to buy a house, at the moment having a salary from my own business of 8.000 euro/month, saving 4.500/month this way: 430/month pension fund 500/month in bond fund, 3.500/month in my portfolio in TR.

Putting together TR, what is left in the private bank, pension fund and bond fund, i have a 620k at the moment.

My goal is to be financially independent as early as possible and to be able to live off my portfolio, i really don't like to work in an office 8.10 hours a day and in addiction i have an autoimmune desease that will probably keep in an hospital in a 10-15 year.

STRATEGY

Why i was investing in a private bank stealing a lot in fees? Well i was in period of my like when i like to complicate things, so: the bank basically lend me 80% of the investment to do real estate investment. So even if i was spending 2-2.5% cost on my portfolio (VS 0.20% of an ETF), i parallely investing the 80% lending in real estate projects that give me a 12% annualy (- 0.35% + euribor lending cost).

So basically, higher cost compared to TR of SC, but the possibility to leverage.

Now i just want to simplify life with less stress and so i stopped the real estate business and moving the portfolio to TR, started in may i will finish to move everything in november.

STRATEGY

At the moment as I told you I'm trying to move all the portfolio to TR (just because it is the only one having an italian account to calculate automatically taxes) and trying to maximize my saving monthly rate.

I cannot follow a complicated strategy as the ones used by users such as @Epi , that i follow with real interest, but i can't copy. I'm looking for a simple autopilot.

HOW THE PORTFOLIO IS STRUCTURED

430/month in the pension fund because Italy gives you a tax exempion of 50% on the money you put in a private pension fund with a cap at 5196 euro/year.

500/month in the bond fund is just a mind calming medicine, it yields 3%/year

3.500/month go to TR where I also transferring the money, almost in the same % as it allocated the lump sum, in this way:

• 50% in world ETF, divided into 4 ETF in equal parts: $XDEM (+0,08%) + $JREG (+0,39%) + $IQSA (+0,53%) + $VWCE (+0,31%)

To have a solid and stable growth, with a bit of factor

• 10% of EM with $EIMI (+0,57%) and $FLXC (-0,67%)

In the past I was not a fan of EM, but I'm guessing if the world paradigm is changing and China is finally gaining a real leading role in the future

• 5% GOLD $SGLD (+0,47%)

Just for pure diversification

• 10-15% pure growth through $XNAS (-0,06%)
  $IART (-0,45%)
  $SMH (+0,76%)
  $QNTM (+4,48%)

As a satellite to give a little boost in the long term, no matter the volatility

• 1-2% of frontier market through $XMKA (-0,62%)
  $DX2Z (+0,83%)

Just for exotic reason

3% of a junk bond with a 14.5% yield $XS2800678224 (+0,25%)

Yes there's a $BTC (+2,08%) hold in Binance: i used to trade cripto in the past, i converted everything into BTC and hold it till my death

HOW I WANT TO PLAN FURTHER

Here is my real question for the GQ community. Of course I would like to have your opinion on the portfolio at the moment, but mostly i would like to know about the future, beacuse I don't know what to do at the moment between keeping this way or change to distributing ETF: as I told you at the beginning my plan is to try to stop working asap, even beacuse my health issue, and enjoy life. So every morning i wake up thinking: do i have to put all my capital and saving plan in $VWRL (+0,4%) to start moving to dividend while growing? I'm not that young to just go to accumulating ETF but not old enough to move to high dividend etf that lost value, so i'm i bit lost. Maybe continue like this and than in 5-10 years sell everything (and paying taxes on capital gain...) to move to dividends?

I hope this was enough clear to share all the infos, while staying the more synthetic possible!

Thanks in adavnce for your thoughts & feedbacks

Hey everyone! After seeing so many portfolio presentations, I decided to share mine today, following the advice of @DonkeyInvestor (link here)! 🚀

1.     Investment horizon and goals

I am Belgian guy of 30 years old, already own an apartment, and have a mortgage to repay. I have been investing sporadically since I was 18, but I really started actively managing my investments in March 2024.

My main goal is to maximize my savings, with the flexibility to either buy a house in the future or allocate funds to another project. Because of this, my investment horizon is flexible but at least 5 years.

I then plan to keep investing long-term and see if this could help me achieve a certain level of financial independence. To be honest, in a rational (but admittedly a bit morbid) way, the inheritance I will receive one day could contribute to that goal—although I am not at all counting on it as a part of my strategy.

2.     My strategy and how I intend to achieve my goals

 A.     Introduction

I already have an emergency fund covering six months of expenses, which gives me peace of mind and allows me to invest without short-term financial stress.

My job enables me to invest at save (for investment) €1,500 per month. Any bonus or additional income is either added to my investments, used to replenish my emergency fund, or allocated to vacations and other expenses.

Additionally, I have around €25,000 from selling mutual funds I purchased in my younger years. This gives me flexibility to pick individual stocks or invest in crypto when I see an opportunity.

B.    Investment Strategy & Asset Allocation 🎯

I invest around €2,300 per month in a DCA approach in various ETFs. Then I invest in stock or crypto when I see an opportunity.

My goal is to build by end 2025 a portfolio with the following allocation:

• ~40% Individual Stocks (mainly large-cap growth & tech)
• ~7.5-10% Crypto (mainly Bitcoin, possibly some altcoins)
• The remaining ~50% in ETFs, diversified across different regions and themes

C.   Diversification & Experimentation 🎢

Within my ETF allocation, I allow myself to include thematic or higher-risk ETFs instead of only focusing on broad market indices.

I fully understand that this approach is not the most straightforward or simplest way to invest (see point 3). However, at this stage, I want to "have fun" with investing, testing stock picking and specific ETFs. Over time, I will assess whether this was a good decision and adjust if necessary (see point 4).

D.   Risk-Taking & Adaptability 🔄

Since I am still young, I am willing to take on more risk, fully aware that I could also lose money. As I gain experience and see the performance of my portfolio, I will adapt my strategy if needed (again point 4).

3.     My choice for the stocks in my portfolio

 A.    ETFs

After experimenting with different allocations, I’ve decided to aim for the following ETF distribution by the end of 2025 (as a percentage of my total portfolio, so including stock and crypto):

• 25%$IWDA (+0,34%) → Broad exposure to developed markets.
• 5%$IEMA (+0,27%) → Exposure to emerging markets
• 5%$XDEM (+0,08%) → Performance
• 2-2.5% in $MEUD (+0,42%) & $XNAS (-0,06%) → European and Nasdaq exposure to complement my stock picks.
• 10% in Thematic ETFs → I enjoy sector-specific plays and have selec $RBOT (+0,91%) , $W1TB (-0,02%) , $LCOC (-9,82%) , $SMH (+0,76%), $DFEN (+0,01%) to get exposure to robotics, Cocoa (because why not), semiconductors, and aerospace/defense.

B.     Stocks

Like most of you, I love tech 😄, so a significant part of my individual stock portfolio is centered around it. I generally invest €2,000 per stock, sometimes in one go, sometimes split across multiple entries.

• ✅ Tech Giants & AI
• $NVDA (-0,3%) (exception to my €2,000 rule)
• $AMZN (-0,17%), $GOOGL (-0,58%), $MSFT (+0,56%) – Their global impact is massive and they are solid, and I don’t see that changing anytime soon.
• $VST (+1,68%) – AI-driven energy demand is booming, and I chose Vistra Energy over other AI-linked power plays.
• ✅ European Exposure 🌍
• $ENR (-1,5%)
  (Siemens Energy) – A standout performer this year in Europe, and AI is a key factor in its growth.
• $NOVO B (+0,91%)
  (Novo Nordisk) – The obesity epidemic is a growing concern (also in Europe), and Novo Nordisk is a leader in the space.
• ✅ More Speculative Plays :
  Palantir & Soundhound AI – Both are AI-related but carry higher risk. $PLTR (-4,55%) because of its massive presence in States' affairs. $SOUN is an even more speculative AI bet, but I believe in it for the voice aspects.
• ✅ Employee Shares : $ENGI (+1,28%)

C.   Crypto

I chose Bitcoin mainly due to its volatility and the potential for "easy profits". I initially invested in July and, seeing Trump getting closer to the White House, I decided to increase my position, anticipating potential market movements linked to his policies and the broader macroeconomic environment. For now, I’m sticking to Bitcoin but might explore XRP and other assets in the future.

4.      Insight into how I plan to further expand your portfolio

Based on my calculations, I should reach €100,000 invested by late 2025 or early 2026. My plan is to keep investing consistently to get closer to the allocation I outlined earlier.

A.    Expanding My Stock Portfolio 📈

I plan to maybe reinforce some existing positions but overall exploring new opportunities. Some stocks I’m considering include:

• Belgium: Syensqo, D’Ieteren
• France: Schneider Electric
• Banking sector: JP Morgan
• E-commerce & emerging markets: MercadoLibre
• Quantum computing: While highly speculative, I’m keeping an eye on this sector for the future. Since I already have exposure through Alphabet, I might consider IBM later on.
• Biotech & Medical Startups 🧬: I’ve been tempted by some early-stage medical stocks, but the extreme volatility and risk keep me hesitant. A single failed clinical trial can wipe out a stock forever, making this sector too unpredictable for me at the moment.
• I might also allow myself the occasional “easy trade”, but nothing certain yet.
• Finally, I could include new thematic ETF's.

B.    Crypto

For Bitcoin, I keep things simple: I invest €100 whenever I see a dip (sometimes multiple times per day or week), staying patient and accumulating over time. I’m curious to hear your views on where Bitcoin is headed.

C.   Reviewing My Strategy in Late 2025 🔍

• At the end of 2025, I’ll assess my portfolio, especially my thematic ETFs, by comparing them to the MSCI World. This will help me decide whether to stick with them or simplify my ETF strategy.
• I’ll also review my stock picks to see if any adjustments are needed.
• Given my horizon, I won’t make any rushed decisions.

D.   Managing My Biggest Concern – US Exposure 🇺🇸

One of my main concerns is my heavy exposure to the US market, both through ETFs and stocks. However, given the current global economic landscape, it seems difficult to do otherwise while aiming for maximum returns.

For now, I’ll keep an eye on opportunities to diversify while ensuring that my investments remain aligned with my long-term strategy.

5.     What I don’t want in my portfolio

I believe that investing inherently carries a level of amorality, especially when investing in broad-market ETFs that include a wide range of companies (but everyone has their own ethical perspective—let’s not start a debate on that! 😄).

That being said, I personally choose not to invest directly in companies involved in alcohol or tobacco. It’s a personal preference.

6.     Conclusion 🎯

That’s it for this deep dive into my portfolio and a summary of my thoughts since May 2024, as well as since I started reading your posts in August.

Thanks for all the insightful discussions and shared knowledge—this is an amazing community, and I really appreciate the posts I read since August!

Have a great weekend and thanks you so much for reading so far!

Regards,

A Belgian investor

Hello, my Birthday is today and im turning 18 years old. Now I have the independence and support of my parents to invest.

I'm an 18-year-old Brazilian just beginning my investing journey, and I'd like to share my investment strategy for feedback from more experienced investors. I recently moved to Saudi Arabia, where I’m awaiting my iqama (residency permit). My father has one, and he’s handling the application for mine. I live under my parents’ tax forum, and they currently handle any tax obligations. With 1,000 euros ready to invest, I’m excited to build a portfolio with a balanced approach to growth and risk, starting with ETFs and, over time, branching out to include individual stocks and crypto.

Initial Investment Strategy

My primary goal is to create a foundational portfolio entirely focused on ETFs until I reach a portfolio size of 5,000 euros. Here’s the breakdown of my initial plan:

1. 50% IWDA $IWDA (+0,34%) (iShares MSCI World ETF): I’m allocating half of my starting capital to the IWDA ETF to establish a core of diversified global exposure. The IWDA covers large- and mid-cap companies in developed markets, giving me solid coverage across sectors and geographies.

2. 25% $XDEM (+0,08%) MSCI World Momentum ETF: I’m dedicating a quarter of my portfolio to the MSCI World Momentum ETF. My goal here is to capitalize on stocks that are currently outperforming in the global market, with the understanding that momentum strategies can offer higher returns (though with greater volatility). I want this portion to add a growth element to my portfolio.

3. 25% $XDEQ (+0,41%) MSCI World Quality ETF: I’m putting the remaining quarter into the MSCI World Quality ETF to provide balance. The Quality ETF focuses on stable, financially strong companies with high returns on equity, low debt, and stable earnings growth. I see this as a stabilizing element to counterbalance the volatility of the Momentum ETF.

Monthly Contributions and Cash Reserve Strategy

My dad will be giving me $150 each month, and I plan to divide this as follows:

- $100 per month into the ETF portfolio: This consistent investment will go towards expanding my ETF positions and growing my portfolio gradually over time.

- $50 into a liquid cash interest account: I’ll use this account as a cash reserve that’s easily accessible, enabling me to buy into individual stocks when they appear undervalued or experience significant dips. This approach lets me take advantage of market corrections and buy solid assets at better prices, adding a tactical layer to my strategy.

Long-Term Portfolio Allocation Goals

Once I hit $5,000 in my ETF portfolio, I’ll shift focus to incorporate individual stocks, with the goal of making them around 45% of my total allocation. Here’s my intended breakdown for this part of the portfolio:

1. 25% “Strong” Companies: This portion would go to large, well-established companies that generate significant cash flow. I’m particularly interested in the Magnificent 7, as these tech giants have strong fundamentals and an impressive cash flow, even though they come with valuation risks. I see them as a solid foundation for long-term growth.

2. 25% Quality Dividend Growth Stocks: I want a portion of my stock allocation to focus on high-quality, dividend-paying stocks, particularly those that have been overlooked or undervalued. This segment is intended for income and stability, with the aim of reinvesting dividends to take advantage of compounding over time.

3. 25% Value Stocks: For this segment, I’ll look for undervalued stocks that have solid fundamentals but may be trading below their intrinsic value. This is a more opportunistic approach that lets me capitalize on underpriced assets for potential upside.

4. 25% High-Growth Stocks: Finally, I plan to reserve a portion for high-growth stocks with strong upside potential. This is the riskiest portion of my stock allocation, focusing on companies in fast-growing sectors or those with strong innovation prospects.

In addition, I plan to introduce crypto as a small allocation—around 5% of my overall portfolio—to capture any high-growth potential. I recognize the volatility and risk associated with crypto, so I’m keeping this exposure small and will prioritize established coins with strong fundamentals.

Risk Management and Future Adjustments

Given my age and a long investment horizon, I’m comfortable taking on higher risks in this early stage. I’m looking for growth opportunities and am willing to accept market volatility as part of the process. However, I recognize the importance of a gradual shift toward stability, and I plan to adjust my portfolio composition as I age and my financial needs evolve.

By the time I reach my mid-30s, I intend to focus more on financial security and risk management, gradually adding defensive assets to the mix. This could mean increasing allocations in dividend-paying stocks, bonds, or even safer ETF options that emphasize preservation of capital. I also plan to establish an emergency fund to cover at least six months of living expenses, providing financial peace of mind and further stabilizing my overall financial position but this will happen once I move out of my parents house.

Seeking Feedback

I’m excited to start investing and am eager to hear if this strategy aligns well with my goals and circumstances. I’d love any suggestions on specific ETFs, stocks, or crypto that might be worth considering, or advice on adjustments I could make to further diversify or optimize my plan. Thanks in advance for your insights!

$XDEM (+0,08%) Momentum ETFs are fun when the momentum repeats. We are probably on the verge of a Momentum Change. I wonder if on the next rebalance the fund Will reajust enough for the new upcoming momentum, that is what Will make any decision to either keep using it or not. From what I have read, I fear there might be a 6 month lag on a proper readjustment, lets wait and see.