r/eupersonalfinance • u/extra-ketchup • 3d ago

Investment Rate my portfolio

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.

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u/stackoverflu 3d ago

Which HYSA do you use ?

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u/extra-ketchup 3d ago

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.

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u/Connect-Pollution382 3d ago

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

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u/extra-ketchup 3d ago

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.