Portfolio Overview Core ETFs Concentrated Individual Stocks

Hi everyone! 🤝

Since I’ve been following along here for a while now, I’d like to share my portfolio again today to get your feedback. A little about me: I’m 31 years old, work as a team leader in product management, and have a very clear long-term investment horizon (buy and hold).

I’m currently contributing €800 a month to my investment account.

🔍 The Current Situation

My portfolio is currently quite concentrated and heavily influenced by my convictions in the tech sector:

The foundation: The FTSE All-World $VWCE (-0,72%) ETF, which makes up just under 27% of my portfolio.

The individual stocks: The remaining positions are spread across a handful of selected, high-performing individual stocks (primarily Big Tech and AI infrastructure).

The largest positions in my portfolio are currently held by Amazon $AMZN (+1,2%) (~15%), Visa $V (+1,57%) (~10%), and Microsoft $MSFT (+1,51%) (~9.5%).

Crypto: Bitcoin $BTC (-2,41%) currently accounts for about 8% of the invested capital.

Cash holdings (not visible in the portfolio): I’m currently holding about 10% in cash on the sidelines.

🎯 My plan for the near future

Even though individual stocks have performed well so far, I’d like to make the portfolio structure a bit more defensive for the future, while also diversifying it across sectors. My focus for the coming months:

1. Massively expand the core: I want to gradually increase the FTSE All-World’s weighting well beyond the 30% or even 40% mark to strengthen the global foundation.

2. Reduce Big Tech & rotate satellite holdings: I plan to strategically reduce my significant overweight in the Big Tech sector somewhat. The capital freed up will instead flow into other promising satellite positions to diversify the portfolio beyond U.S. tech.

3. Targeted use of cash reserves (50/50 split): The 10% cash reserve will soon be used for buying on dips. The plan is set: 50% of it will go directly into Bitcoin, while the other 50% will be split between the ETF and selected stocks.

💬 I’d love to hear your thoughts!

As a product manager, I like to critically evaluate my strategies. That’s why I’m asking the community:

1. Cash allocation: Do you think the 50/50 approach for the cash buffer (half crypto, half traditional market) makes sense, or would you reallocate it differently given the sell-off in Big Tech?

2. Looking for exciting satellite investments: When you look at my portfolio—which sectors or themes do you think are completely missing as complementary investments if I reallocate out of Big Tech?

I’m looking forward to an exciting discussion and your honest feedback! 📉📈

#portfolio
#investing
#ftseallworld
#etf
#bigtech
#aktien
#bitcoin
#crypto
#cash
#langfristig
#sparplan
#finanzen
#diversifikation

Olli@Olli68

You could make it easy on yourself and buy the $TDIV. Then you'd have everything you're currently looking for: less Big Tech, exposure to other sectors, a lower U.S. weighting, etc.
If you're interested in individual stocks, just take a look at the ETF's holdings. You might find something that interests you.

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SathosiRuffy@SathosiRuffy

@Olli68 Thanks for the suggestion. But I don't think I'll—or want to—completely move away from individual stocks. ETFs alone are too "boring" for me; I'd still like to stay involved with companies.

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Pezi@Pezi

@SathosiRuffy But even something boring can pay off in terms of returns 😉

@Pezi There's no question about it—I agree with you!

Alex@Alex_Invest95

Great portfolio and extremely “well-organized” in my view. The rationale and strategy are clearly evident, even though many would now point out the concentration risk again.

Personally, with this portfolio, I’d look for one strong European stock (e.g., Novo Nordisk, ASML, SAP, Siemens, Voest Alpine,...) and one stock from Asia (BYD, JD.com, Tencent, TSMC,...). Why? For one thing, you could then reduce the weighting of U.S. stocks slightly, and depending on your stock selection, you could also adjust the sector allocation somewhat.

In my view, BTC is a top choice, provided you’re truly looking for a long-term investment.

I’m currently more bullish on stocks like Solana, Polygon, or even KASPA for the coming months.

@Alex_Invest95 Thanks for your feedback. I totally agree with you about Europe! I was actually already ready to invest in ASML, but unfortunately the stock price shot up, so I don’t want to add another AI stock to my portfolio right now. Hopefully, the prices will correct again so I can snag some ASML shares—and maybe Siemens, too :)

I’d rather cover Asia with another ETF—an emerging markets ETF 🫱🏻‍🫲🏼

@SathosiRuffy I agree with you there. ASML has performed very well and is therefore not attractive right now. In the long run, though, I think it won’t matter. It’s more or less a monopoly.

I understand the situation in Asia well, but here most investors are extremely focused on just a few stocks. Personally, I have the IE00BD45KH83 in my ETF portfolio.

Japperable@income_engineer_djuro

23H

You want to go more defensive and go in to bitcoin? I Don't get it..

📊 Portfolio Overview: Core ETFs & Concentrated Individual Stocks 🚀