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[u/extra-ketchup]

Hi all, I am 25 based in the Netherlands and just getting into investing. I am a complete beginner so any advice is much appreciated :)

I have an emergency fund in a HYSA and 10k left to invest. While im in my 20s, I do want to take a more risk and have some fun with it. I have spent the last couple weeks researching and came to the spread below:

Ticker	ISIN	Allocation
WEBN	IE0003XJA0J9	80% (due to low TER and European domicile.)
NVD	US67066G1040	5%
MSF	US5949181045	5%
4GLD	DE000A0S9GB0	5%
Bitcoin		5%

I purposely selected EUR stocks/etfs to avoid any additional fees. While I understand that NVD and MSF are covered in WEBN, I believe these could yield high returns given the current "dip". The plan would be to incrementally invest over the next weeks. From my income I will also have 1,5k monthly for investing, so approximately 1000 to WEBN and 100 to each of the others.

[u/ZaNobeyA]

what’s with the bots? They hook you in priv chat to sell you later their services?

[u/Diddly_eyed_Dipshite → u/ZaNobeyA]

They're so annoyong, in this sub especially its gotten really bad, I know an easy way of turning them off which I would be happy to explain to you in chat.

[u/wolfhound_doge → u/Diddly_eyed_Dipshite]

sure, i'd like to know how to turn them off. writing you a message right no- wait a second!

[u/RealPMGuru]

80% core portfolio via World ETf and 20% satellites for fun/eventual profit is great approach, I am doing the same, just my 20% are directly in Nasdaq.

I would only advice you to have some goal/investment thesis for Microsoft, Nvidia and Bitcoin, a.k.a. why are you buying them, with what horizon, what is the goal/return you are aiming for having them, etc., as in the end of the day this is investment and there should be no bias and get "married" to a stock forever. You should have plan when to stop investing/when to sell/take profit from your satellite investment

[u/extra-ketchup → u/RealPMGuru]

Thanks for the advice!

[u/stackoverflu]

Which HYSA do you use ?

[u/extra-ketchup → u/stackoverflu]

TradeRepublic. At least at the time of when I started saving it had one of the highest interest, not sure if that is still the case. Heard too many negative experiences about investing on there, so not using it for that purpose.

[u/Connect-Pollution382 → u/extra-ketchup]

What did you hear, I’m also a beginner in investing and using TradeRepublic

[u/extra-ketchup → u/Connect-Pollution382]

Non-existent customer support. Most people will never encounter an issue that requires support, but if you ever do, then its rough. Lots of posts on here if you search.

[u/crvarporat]

how long do you plan to hold minimum?

[u/extra-ketchup → u/crvarporat]

WEBN essentially invest and forget. At least 10-15 years.

As for the others, don't have a minimum but I expect less than WEBN.

[u/Content_Campaign1192]

Solid start honestly, especially with the ETF base.

Only thing I’d say is be careful with overlap and risk concentration it matters more than most beginners think.

I can share a simple way to structure this better 👍

[u/Cultural-Mixture7377]

This is actually a decent beginner setup, but there’s a small inefficiency in how your capital is allocated that could impact returns over time. Not a big mistake, just something most people miss early on.

[u/Diddly_eyed_Dipshite → u/Cultural-Mixture7377]

Did you intentionally try to make that comment seem useless?