Portfolio allocation?
Good day,
I've saved up a certain amount of money and would like to invest it. I'm currently looking for a suitable investment strategy. I don't mind taking a certain amount of risk, for example, by buying individual stocks, but speculating through cryptocurrencies, etc., is out of the question. I also want to include a certain amount of safe investments in bonds or ETFs in my portfolio.
In general, a larger portion of the portfolio can be invested in risky investments, but I don't want to gamble anything away, as I still have relatively little expertise in the stock market.
Do you perhaps have a suitable allocation of asset classes for the points described above that I could use as a guide?
(1 votes)
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It depends on your age. Basically, the younger, the higher the share can be, as shares generally increase over longer periods of time.
You have written that you have little experience, I would rather guess at the beginning of single shares. If you have gained experience, it is an interesting addition. I would choose the following categories:
Shares (ETF, later any individual shares)
Anleigen (ETF)
Fixed money (due to current good interest)
Daily allowance
The division depends on your age and your risk.
lg
I’m currently 18 years. I’m not interested in stealing my money, but I think that I have a higher risk tolerance, as I don’t have running expenses. Even if everything was gone, I would have an apartment and eat:D shares generally speak to me, but as I said I have hardly any experience. Only the 3-5% I’m making with bonds or Etfs will take decades to get some money.
In any case, investment needs patience, patience, patience. And you’re young. Don’t forget the interest rate effect! Example: If you now apply EUR 10,000.00 and you earn “NUR” 5%, it will be after 40 years, so just before your pension EUR 70.400.00.
How do you get to 35% at ETFs? Even the MSCI World has made good 7%, the S&P 500 even 10% and the nasdaq100 total 16% – naturally in the long term.
I mean, one can actually withdraw 1-2% if one wants to take account of inflation, but as I always assume that the austerity rate increases with inflation, that should be halfway offset. So if you can save 300€ today, it will certainly be 500€ in 20 years. It’s because your inflation pays.
Yes
I’m a friend of options, most likely in the USA. Look at the wheel strategy.
https://www.deltavalue.de/wheel strategy/
You’re looking for a good share. Instead of buying the stock directly VERYbuy a put. If the Put is assigned (means you get 100 shares) then VERYbuy a call. We are triggered the shares are gone and you can put another VERYbuy.
Drops the call or Put then VERYYou just buy a new one.
The good thing is that VERYbuy a time value for it, so get more than the market value.
You just have to have enough capital for 100 shares. AVGO doesn’t have everyone, but PYPL is more likely.
You could google for an idea after the “Golden Butterfly” – this is a strategy for sharing. With the “nothing” you are absolutely right, because “Gier eats brain”.
Much reading material:
https://www.wertpapier-forum.de/topic/49689-invest-f%C3%BCr-einsteiger/
https://www.wertpapier-forum.de/topic/43810-etf-depot-builds/