My first ~5 years as an investor

[marigolds]

@wxgenx 27yr old, with 5 years experience and such results, it's just a m a z i n g!

 

[wxgenx]

@marigolds Thanks for the kind words!

 

[samwade]

@wxgenx Nice spreadsheet! Will certainly use that as a template to improve my own. My wife and I will finally start to etf and chill this month. I bought some iwda a while ago and looking back we have waited far to long to start. But now is better than never. Thanks for the info from a fellow Belgian!

 

[wxgenx]

@samwade Good luck on your journey!

 

[coventrytrey]

@wxgenx I really like your spreadsheet, well done!

What is your rational for the stock split (76% IWDA / 20,5% EMIM / 3,5% IUSN)?

 

[wxgenx]

@coventrytrey I strive for a split of 75% IWDA + 20% EMIM + 5% IUSN.

If you check all world ETFs like VWCE, I believe emerging markets account for ~12%. I wanted to make a small 'bet' that emerging markets will have slightly better returns. This is why I chose to up the weight slightly. For the record; emerging markets did not outperform in the last 5 years.

I also wanted some small-cap exposure. This is why I added IUSN for a small percentage to the portfolio.

 

[coventrytrey]

@wxgenx Thanks for the explanation! And why not doing the same bet on small caps with a slightly higher allocation?

 

[wxgenx]

@coventrytrey Small-cap stocks are not a big part of the global economy. I believe 5% is already a decent enough allocation!

 

[coventrytrey]

@wxgenx Doesn't seem so. Check: https://marketcaps.site/

What do you think?

 

[tomsonio]

@wxgenx What is your target % between ETF, crypto and cash? If crypto is more than ETFs, maybe you should rebalance it?

 

[wxgenx]

@tomsonio I don’t really have a target between asset classes. When I buy something, it is with the intention to not sell it for a long time. Right now, crypto is performing great. This is the reason why it is such a big part of my portfolio. For me this is no reason to sell. Just a motivation to invest more in other assets. If it would get out of hand completely, I might think about selling a little bit.