Hey all ,
I’m new to the forum - but I’ve been reading along quite a while now
I just opened my IB Account (and made a first buy for VT ) - I’m currently thinking about my Portfolio Strategy - and I’m looking for some Feedback.
- 33 Years old
- stable Income + Savings
- No plans to retire early
→ Ambitious Plan: starting ~50 don’t work fulltime + jobs that I enjoy and pay the bills
- Emergency Fund (~20k)
- 2nd Pillar
- 3rd Pillar (VIAC 97 / Frankly 95) (~22k)
- 3rd Pillar Live Insurance (~18k might get closed and moved to VIAC / Frankly)
- German “Bausparvertrag” (~30k) - will get closed and invested
(Euro ETF - 1 time buy and hold) → Ideas?
Yearly: 12k (1k per Month)
Current Portfolio Idea:
30% SmallCaps - 50% AVUV / 50% AVDV (thx @xorfish )
15% Gold (?) / Silver (WPM) - Main Reason: to lower volatility
The Plan is to hold the stocks LONG and spend the least amount possible on investing.
Is AVUV / AVDV a good idea for this? And is the allocation of 50/50 reasonable?
Also thought about EM - but VT already has 11.4% EM included …
Might would buy some hand picked stocks (Swiss based) - but no plans for that currently, I would also buy them with additional money beside the regular investments.
Any feedback is much appreciated.