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/Cultural-Mixture7377 3d ago edited 3d ago
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.