Hello everyone,
I’m 25 years old, and this year, after some training, I’m finally building a portfolio with a long time horizon (10-20 years) and a CAP approach, without trading or market timing.
The goal is capital growth over time, accepting volatility but seeking a structure that is also psychologically sustainable.
I’m a European investor and use UCITS ETFs.
I’ve split the portfolio into two parts:
- Portfolio A (75%): Long-term growth via ETFs + a small portion of cryptocurrencies
- Portfolio B (25%): Companies with solid dividends + some select growth stocks
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PORTFOLIO A – 75%
PAC B – Global Core Stocks (65%)
• Nasdaq-100 ETF: 32%
• MSCI World ETF ex-USA: 53%
• MSCI World Small Cap ETF: 15%
PAC C – Thematics (25%)
• Space ETF: 25%
• Cybersecurity ETF: 40%
• Global Healthcare ETF: 35%
PAC D – Cryptocurrencies (5%)
• Bitcoin: 80%
• Ethereum: 20%
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PORTFOLIO B – 25%
PAC E – Strong Dividend Companies (60%)
• Nestlé: 33%
• Roche: 34%
• Iberdrola: 33%
PAC F – Growth/Quality (40%)
• IBM: 25%
• Palo Alto Networks: 30%
• Eli Lilly: 30%
• Rocket Lab: 15%
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I would like to emphasize that this is a long-term investment, without trying to predict market trends. I will accept significant downside, and the PAC F will likely undergo adjustments after a multi-year evaluation.
I wanted to ask if your risk allocation seems consistent with a 10-20 year time horizon. Do you see any concentrations or overlaps that need to be reevaluated? Would you change anything to improve the risk/return ratio without changing the strategy?
Thanks to anyone who can share a thoughtful opinion.