11H·

Portfolio check & strategy feedback requested

Greetings, I would be very pleased to hear your opinions and suggestions about my current portfolio.

I am aware that $NU (-1,61%) currently has too high a weighting in my portfolio (approx. € 1,587). I would therefore like to reduce the savings plan there to just €10 per month in order to further smooth out the average price, but not to overweight it even more.

I am basically pursuing a core strategy with a clear focus on individual stocks. My planned approach from August:

Core S&P 500 ETF $CSPX (-0,42%) 200 € per month
Individual stocks (e.g. $PYPL (+0,55%) , $GOOGL (+2,21%) , $PLTR (-1,43%) , $UNH (-0,64%) ): € 25 each per month
$NU (-1,61%) 10 € per month

In the last 3-4 months, I unfortunately had to reduce my savings plans to around €200 per month (I had previously planned €450) as I had a few other things going on in my life. Fortunately, these have now been taken care of.

From August, I want to get back into full swing and adjust the savings rates as described above.

However, I'm also noticing that I've lost a bit of motivation and focus to get more involved with stocks and the stock market. Perhaps some of you are familiar with this. But now I want to bring more structure back into things and be more motivated.

Do you have any tips on allocation, or are there any stocks that you find critical or exciting?

I look forward to any input and your assessment! 🙏

3 Comentários

10H

Basically, your portfolio is okay.
However, you have built in a few risks that are likely to make your life and performance difficult.
1. the core S&P500 ETF makes you heavily dependent on the USD exchange rate. If the USD depreciates by 30%, which would be the goal of Trump and the current cycle, things look bad for you.
2. your individual stocks are all trend stocks or former trend stocks, either very highly valued or in a stable downtrend (except perhaps Google). Neither will help you.
3. when things aren't going so well, many people lose focus. This is actually a strong hint to rethink your strategy. And by strategy, I don't just mean the stocks in your portfolio, but the fundamental rules you follow. With the size of your portfolio, are momentum strategies worthwhile?

The most important thing now is to stick with it and learn!

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21SatsCapital@SatsStacker

10H

First of all, I myself am a simple buy-and-hold investor and Bitcoin Maxi/ETF disciple. However, I also follow a core-satellite strategy to calm my inner "gambler".

As a core, I would choose a broadly diversified "all-world" ETF instead of an S&P 500 ETF to ensure the broadest possible diversification. An S&P 500 ETF would be a bet that the US will continue to outperform the rest of the world. I would increase the core share to around 70% or more. That would be my risk preference anyway. :)

The satellites are simply targeted bets or deviations from the global market portfolio. Here I would invest a maximum of 30% of the portfolio and only in investments that I really believe in:

- Bitcoin as a satellite makes perfect sense to me if you hold the hypothesis that it is a new digital store of value and you want to invest for the very long term.

- I personally don't think much of altcoins like Kaspa or XRP. I would invest a maximum of 5% of the portfolio here (excluding Bitcoin). If I were to invest in other cryptocurrencies, I would rather invest in Ethereum or Solana. To be honest, however, I am not an expert and therefore only invest in Bitcoin.

- I can't make any general recommendations for individual stocks. I would only invest in companies whose business model and fundamentals I understand.

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CashPilot@CashPilot

10H

I would focus much more on an All World ETF than on individual stocks. Sounds boring... but less headache, maybe your motivation will come back. BTC always works ;)

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