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REDDIT

23 y/o – €1,500 monthly income – investing €235/month. Looking for advice on adding tech or semiconductor ETF to my portfolio

Hey everyone, I’m 23 years old, earning €1,500 per month. I’ve been investing €235 monthly for the last 4 months. My goal is to keep this amount until I build a savings buffer that I personally feel comfortable with, and then increase my monthly contributions. For context, I already have an emergency fund equal to 6 months of my salary.

My current portfolio allocation is: • 85% VWCE • 15% IBIT

I want to keep at least 5% IBIT long-term, and I want VWCE to remain my core holding. However, since I’m still young, I’m considering adding a technology ETF or possibly a semiconductor ETF for higher growth potential.

If you have a better strategy in mind that fits my profile, feel free to suggest it.

Additional info: • My country has no capital gains tax on stocks/ETFs. • I’m currently investing through Trading212, but I plan to move to IBKR once my portfolio reaches a certain size.

All opinions and advice are welcome.