Hello everyone,
I am 21 years old and currently studying, my monthly savings rate is currently 1500€. My investment horizon is 20+ years, I'm long-term oriented, interested in financial markets and listen to podcasts like "Alles auf Aktien" and similar, but I don't want to do daily analysis, so I'm currently focused on ETFs.
Current assets:
Portfolio
Small experiment with crypto, which I would like to focus on again
Nest egg with approx. 3 monthly salaries
My goal:
I would like to set up my portfolio in a globally diversified and future-proof way in the long term, and I wonder whether the S&P 500 is still useful in my case, since the FTSE All-World already has ~60% US exposure
Planned reallocation:
I am thinking about stopping the S&P 500 savings plan and possibly also selling existing shares in order to reallocate the capital as follows:
$VWCE (+0,53%) 60%
$EIMI (+0,71%) 20%
$WSML (+1,19%) 10%
Crypto 5% (possibly $BTC (+0,83%) savings plan)
My questions:
Do you think the shift from the S&P 500 to EM/Small Caps/Gold makes sense or do you see unnecessary complexity in it?
Should I sell existing S&P 500 positions or leave them and invest differently in the future?
In your opinion, are there more sensible alternatives for small caps or emerging markets?
Is my high equity allocation appropriate? Would you take a more conservative approach or take more risk?
I welcome any constructive opinions - and criticism or other suggestions!
Thank you!
