Hi,
I am assembled my first serious portfolio after having gathered money that was sitting in in high-commision banks, etc.
I live in the EU and the broker that I could find as for now is Degiro, although I might switch in the future since I am concerned -if my understanding is correct- that with this broker apparently only 20k€ are guaranteed concerning the investments positions (100k€ are guaranteed concerning the deposits in the Flatex separate bank account as per the European deposits guarantee fund, but that is irrelevant since the money is invested in active positions). In any case, if this is not correct or there are better brockers to operate in Europe, I thank in advance for opinions and recommendations.
As per the portfolio, I am starting with some savings around 30k and I am looking to keep investing regularly keeping approximately the same weights.
I am 34 y/o, and realized that I might not buy a house anytime soon or ever, so I decided to use the money to generate some returns meanwhile. I deliverately included some defensive % given the current outlook and in order to keep the balance considering the riskier bets in emerging markets, sectorial etfs and the tiny % of crypto.
I do not need to generate very high returns as in principle retirement should be covered in the EU, with my current stable job situation. But rather gain some decent return in order to potentially use the money in a more or less mid term horizon, maybe 10 years, in case I buy a house for example.
Is there a way to make the overall more round? or, am I missing something that would be important to include?
Defensive -24.4%-
Xtrackers MSCI World Utilities UCITS ETF 1C (60%US, 6%ES, 5%IT, 5%UK, 4%CAD, 3%FR, 3%DE, 2%HK, 2%JP, ...)
SPDR® Dow Jones Global Real Estate UCITS ETF (60%US, 10%JP, 5%UK, 5%AUS, 3%SG, 2%HK ...)
Regional (Developed) -39.0%-
iShares Core S&P 500 UCITS ETF USD (Acc) (100% US)
iShares MSCI Europe ESG Screened UCITS ETF EUR Acc (20%UK, 28%FR, 15%CH, 13%DE, 8%NL, 6%SE, 4%IT, 4%DK, 4%ES, ...)
Regional (Emerging) -16.2%-
iShares MSCI EM Asia UCITS ETF USD (Acc) (35% China -Alibaba/Tencent/banks,etc-, 20%Taiwan, 15%India, 15%Korea,...)
Speculative, Thematic/Sectorial -13.6%-
VanEck Vectors Semiconductor UCITS ETF (76%US, 12%NL, 10%Taiwan. -TSMC, AMSL, INTEL, NVIDIA, QUALCOMM, etc.-)
VanEck Vectors Rare Earth and Strategic Metals UCITS ETF (43% AUS, 28% China, 12% US, 10% CAD, 4% NL, ...)
Speculative, cryptocurrency -6.8%-
Mostly BTC, ETH
Thanks in advance
I am assembled my first serious portfolio after having gathered money that was sitting in in high-commision banks, etc.
I live in the EU and the broker that I could find as for now is Degiro, although I might switch in the future since I am concerned -if my understanding is correct- that with this broker apparently only 20k€ are guaranteed concerning the investments positions (100k€ are guaranteed concerning the deposits in the Flatex separate bank account as per the European deposits guarantee fund, but that is irrelevant since the money is invested in active positions). In any case, if this is not correct or there are better brockers to operate in Europe, I thank in advance for opinions and recommendations.
As per the portfolio, I am starting with some savings around 30k and I am looking to keep investing regularly keeping approximately the same weights.
I am 34 y/o, and realized that I might not buy a house anytime soon or ever, so I decided to use the money to generate some returns meanwhile. I deliverately included some defensive % given the current outlook and in order to keep the balance considering the riskier bets in emerging markets, sectorial etfs and the tiny % of crypto.
I do not need to generate very high returns as in principle retirement should be covered in the EU, with my current stable job situation. But rather gain some decent return in order to potentially use the money in a more or less mid term horizon, maybe 10 years, in case I buy a house for example.
Is there a way to make the overall more round? or, am I missing something that would be important to include?
Defensive -24.4%-
Xtrackers MSCI World Utilities UCITS ETF 1C (60%US, 6%ES, 5%IT, 5%UK, 4%CAD, 3%FR, 3%DE, 2%HK, 2%JP, ...)
SPDR® Dow Jones Global Real Estate UCITS ETF (60%US, 10%JP, 5%UK, 5%AUS, 3%SG, 2%HK ...)
Regional (Developed) -39.0%-
iShares Core S&P 500 UCITS ETF USD (Acc) (100% US)
iShares MSCI Europe ESG Screened UCITS ETF EUR Acc (20%UK, 28%FR, 15%CH, 13%DE, 8%NL, 6%SE, 4%IT, 4%DK, 4%ES, ...)
Regional (Emerging) -16.2%-
iShares MSCI EM Asia UCITS ETF USD (Acc) (35% China -Alibaba/Tencent/banks,etc-, 20%Taiwan, 15%India, 15%Korea,...)
Speculative, Thematic/Sectorial -13.6%-
VanEck Vectors Semiconductor UCITS ETF (76%US, 12%NL, 10%Taiwan. -TSMC, AMSL, INTEL, NVIDIA, QUALCOMM, etc.-)
VanEck Vectors Rare Earth and Strategic Metals UCITS ETF (43% AUS, 28% China, 12% US, 10% CAD, 4% NL, ...)
Speculative, cryptocurrency -6.8%-
Mostly BTC, ETH
Thanks in advance