- March 22, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Investment Journey and Portfolio Insights Request
Hey Euro finance, I am beginning my investment journey, been reading a lot + YT and one is overloaded for sure.
With so much information available, it can be overwhelming to navigate through all the resources, especially as a beginner investor.
I’m probably over complicating stuff, specially in the beginning. It’s common to feel overwhelmed and overcomplicate things in the initial stages of your investment journey.
I have set aside the emergency fund, and now was thinking of the following portfolios and could really use your insights. Note: I am living in the Netherlands, thus it doesn’t really matter dividend or accumulating as taxes are on total wealth, regardless of returns or yields.
### Portfolio 1:
- Bonds (40%): iShares Euro Government Bond 1-3yr UCITS ETF (Dist) or iShares EUR Aggregate Bond ESG UCITS ETF EUR (Dist) or iShares Core Global Aggregate Bond UCITS ETF EUR Hedged (Acc)
- ETFs (60%): Vanguard FTSE All-World UCITS ETF (Dist) (70%) + Fidelity Global Quality Income UCITS ETF (20%) + Vanguard FTSE Developed Europe UCITS ETF (Dist) (10%)
### Portfolio 2:
- Bonds (40%): IBGS or SEAG or EUNA [ same as p1]
- ETFs (60%): Vanguard FTSE All-World UCITS ETF (Dist) (50%) + Fidelity Global Quality Income UCITS ETF (20%) + HSBC MSCI World UCITS ETF USD (30%)
### Portfolio 3:
- Bonds (30%): IBGS or SEAG or EUNA [same as p1]
- ETFs (70%): Northern Trust UCITS FGR Fund (20%) + Vanguard FTSE All-World UCITS ETF (Dist) (50%) + Fidelity Global Quality Income UCITS ETF (20%) + HSBC MSCI World UCITS ETF USD (30%)
Does the distributions make sense? Your current portfolio allocations seem well-thought-out, but it is always beneficial to periodically review and adjust them based on your financial goals and risk tolerance.
Which ones would you recommend? I would like to overlap unnecessarily. It is important to carefully consider your investment options and ensure that they align with your long-term financial objectives.
Which bonds would you recommend? Your choice of bonds should be based on your risk tolerance and investment goals. Consider consulting with a financial advisor for personalized recommendations based on your individual circumstances.
I am planning to invest for a long run, but would need some cash over the next 1-2 years so need money to be easily accessible, and be within a low/medium risk investment. I would be manually investing maybe each quarter, a lump sum depending on the ratios. Investing consistently and periodically can help in achieving your long-term investment objectives. Consider diversifying your portfolio to mitigate risk.
But probably won’t do a rebalance except maybe after 1.5 years or if I needed to liquidate earlier. Regularly monitoring your portfolio and rebalancing when necessary can help in maintaining a well-diversified and aligned investment strategy.
Thanks. your insights would be greatly appreciated.
Update: Changed tickers to full names for clarity.
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