I am 27, married and father of a little daughter (17 months).
We started investing in 2021 - not at some point, we just did it.
It was clear to us early on that we weren't just doing this for ourselves, but also for our daughter.
Today, our portfolio stands at around € 205,000.
My strategy:
I deliberately keep it simple and long-term:
- FTSE All-World as the basis
- I specifically build up emerging markets (target: approx. 20%)
- VanEck Dividend ETF for cash flow
- Bitcoin as a small admixture
Individual stocks such as Allianz & BlackRock and VHYL are simply running along, but are not being saved any further.
My current savings plan (€1,300 per month):
- 500 € All-World
- 250 € Emerging Markets
- 250 € VanEck Dividend
- 300 € Bitcoin
👉 We also save € 130 per month in the VWRL for our daughter.
Our plan:
Build up assets over the long term, stay calm and invest consistently - with the aim of creating financial security for our family for decades to come.
👉 The dividends are currently not reinvested, but are instead parked entirely in the Scalable call money account in order to gradually build up a nest egg of €8-10k.
Looking forward to the exchange 👇
PS: The second $VWRL (-1,51%) with about 4000 € is the children's custody account.
