Hi, since I find it really interesting to look at other portfolios, I thought I'd share mine as well.
My story: I'm 20 years old, started a savings plan on an ETF for the first time in November 2024 and then decided to invest in cryptos for a short time. I was never really taught how to handle money. For the first 2 years of my training, I had my account in the red for all sorts of shit. Thanks to a second job, I was able to afford a savings plan with ETFs and individual shares worth €600 for a few months as an apprentice. Now that this is no longer the case, I've made the decision to invest in ETFs and (in my opinion) expensive shares such as $SIE (+0,28%) or $MSFT (+0,01%) to save.
I buy everything else when the price drops and have a good feeling about it for the time being.
I always have this "Mr. Market" example from Warren Buffet in the back of my mind.
In addition, I had considered setting a limit of 10% per individual share in the portfolio to reduce the risk of extremely falling prices.
This $VWCE (-0,08%) was my first savings plan and I'm actually really happy with it so far, except that with a 60% share from the USA, it has given me a bit of a stomach ache over the last few months.
However, because my entire portfolio consisted of American shares. I was able to learn relatively quickly that you should diversify your portfolio across more continents.
In the end, I opted for $SMEA (+0,38%) and $AEJ (+0,69%) in the end.
Over the next few months, I will be saving in both with a higher savings rate than the $VWCE (-0,08%) to balance out all 3 in percentage terms.
At the end of the love story, I would say that I got off lightly with a 3% loss.
What do you think? I'm really looking forward to hearing the different opinions.
