Discussing/reflecting on my first 4 months of investing ... yes, 4 months
So, bare with me, please :)
I have finally started my investment journey. 35M, a bit late, but better than sorry. My main goal is long-term - 15, 20, 35 and more years. My first entry was on January 2025 and I have been DCAing since then on the next days after paycheck. I have few observations, which I'd like to question/discuss. I don't think the current Trump investing environment has anything to do with it.
And, yes - TL;DR; - I know this is long lasting march and few months don't matter. Still, I believe that there are some tweaks to be made and I want to discuss them here, might be helpful. Time on, instead of timing, I 've read it.
There are 2 things I want to mention - portfolio and investment timing. The latter is actually the more important one, but lets quickly go through the first one. I am in Europe and I invest through IBKR.
I have settled on the following; VUAA(30%), FWRA(60%) and VEUR(10%). I plan to keep them in this relative percentage. I know - both VUAA and VEUR are inside FWRA, but I still believe that the SP500 market is the way to go. I might loose some percentages off of the 30% allocation, but will gain some in comparison to FWRA only. VEUR is more "for the sport" - I will be buying 1 share a month.
Any strong facts against such portfolio?
The second thing is my investment timing. I took a snapshot of my 3 investments this year : [https://imgur.com/Ru2eaiO](https://imgur.com/Ru2eaiO)
You cannot beat me in hitting the peeks. It is a little discouraging, honestly. I know, it will likely not matter on the long run, but still taste bitter. So, I was thinking on a solution. Potential solution is moving from monthly investment to bi-weekly investment. Bi-weekly works well on bearish marked, but not so much in bullish. Here are my thoughts about bi-weekly reoccurring:
\- The goods:
* I set it and forget it. As new investor, I am looking at prices daily, which is tiring (and I know - not necessary). If I set reoccurring investment, I will stop looking at ETF prices, at least
* The fees are even lower. Bi-weekly reoccurring will have better combined fees than my current manual investment
\- The bad:
* I will get fractional shares. I don't like them, nothing in particular, just don't like incomplete things
* I will loose the flexibility to by more or what I want. Now, for an example, if I am short at 48 FWRA shares, I might add couple euros more so I buy 50.
Please, share you thoughts :)