Hi, So I am just starting after I payed out my mortgage for my apartment.
Now I have few months worth of expenses saved and on top of that some 'free money'. So I started looking into stocks to put those money. This is not a big thing in my country (usually people buy more properties instead) but I did some baseline research what different things mean.
I have \~15 000 euro + I will be able to put monthly 1000 to 1500 euro. My idea is to have my savings not just 'dusting' inside my bank account where I don't even have any interest rate.
Thus I created an account in IBKR and funds are now there.
So my thinking is:
\~60% going 40:60 split into VWCE and VUAA. My understanding is that those accommodate value over time and I have nothing at all to do in managing them. There are also bo taxes until sold and the tax is quite low I think.
\~30% (10/10/10) into stocks of companies I like (I am gamer and an IT...) - I was thinking of AMD because my last computers were AMD but they exploded it seems? And then Microsoft because who they are and also ServiceNow - because I work that 😃 Quite sure that those have bright future. Another thought here is to put all in ServiceNow because they look underpriced (5 out of my 5 clients are taking up Now Assist, and they seems to have dropped value because of AI?) and sell in few years to spread.
\~10% into something that sounds interesting from my POV and may bring some bigger % or I loose. I guess that's like my 'gambling' fund?
How stupid is that plan?