[mappleluna]

Hi Jerome,

First of all, congratulations, I see that you have thought out your approach very well, in a global way.

Thanks for your comment, it's been going around and around for a while but now it's finally out.

I have to say that when you're two, things speed up considerably. It's cool that your wife is also up for it.

Obviously with 2 it goes faster, and we clearly have the same desire to enjoy and be masters of our time, no longer having to take orders. In short, we still have crazy fixed costs when I look back with a little hindsight, probably some optimizations to be made in all that but I do not want to do without my car (even if it only goes out once a week) and my motorcycle, or even move to a smaller place.

What I also find interesting is that we can clearly see that the short term – trading portfolio is like a sandbox, with smaller amounts, and that it allows you to do your own experiments.

I got the GO from IBKR yesterday and I attacked gently this morning, I opened 2 CFD positions in "real" on IBKR! To be continued

Regarding IBKR, I don't think it's possible to split across multiple portfolios, but I've never really tried to do it. Personally, I use the free FT portfolio, which I find very good. It allows you to do what you plan, create several small portfolios and have the overall results for all your invested assets. The advantage is also that you are not dependent on the portfolio of a financial service provider. You can thus bring together on the same platform the securities that you own in different institutions.

Can you tell me more please? FT? Gather the titles of several institutions? I'm curious, do you have links to documentation please so that I can read a little?

Regarding the choice of actions, without going into detail, you are fully oriented towards big-caps.

Yes I relied heavily on the list of dividend aristocrats, on this long term portfolio I do not want to take excessive risk (yes I know stocks are risky at the base but I wanted to dilute this with big caps). Would you go more on mid-caps? Is that what you propose with your determining portfolio on which we can register to receive updates?

The share of techno is also important. Is there a reason for these choices?

Hehe I'm an IT boy so I strongly believe in technology... maybe I should tone that down a bit

Regarding bonds, why do you limit yourself to corporates? They are correlated to stocks, so not optimal from a diversification point of view.

In fact, when I see the yield on government bonds… it’s scary! So I said to myself, let’s split the difference and go for AAA to A and I heard that the risk on this type of bond was very low so… (maybe it’s false, I don’t know anything about bonds)

I don't see any gold either? Is that intentional?

In fact I don't really see what the point of such a value on my portfolio is... Reduce the volatility effect? Be a security in case of cataclysm and be able to sell some coins for daily expenses? I still can't understand the point of such a position. But if arguments arise I am ready to review this!

Regarding the composition of your personal LT portfolio, I would say that what matters is the overall allocation of assets. So try to always have a bit of the same approach, even if it means just filling the gaps in one of your portfolios with another.

Well noted

To help you choose index ETFs (and allocation more generally), I invite you to consult my e-book. The same goes for choosing stocks. You will also find information on how to start depending on the size of the capital invested.

Yes, I will order all of that.

In any case, you should not sprinkle it over several stocks, but rather start with an ETF at the beginning.

Yes it's common sense now that you say it ;0)

Finally, and this is a remark that I make very often here: it is useless when you are starting out to make monster plans on the comet and to want to master everything in detail from A to Z. Theory is one thing, practice is another. Start small and simple, concentrate on a single approach, see how it goes, what the results are and how you control the risk. When you feel comfortable, then gradually increase the amounts invested. The complexity will come by itself, as you gain experience and knowledge, and depending on the size of the capital. If you want to master everything from the start, you will certainly have to review your plans later.

I like the policy of small steps. I just wanted to have a big picture before tackling this project of a lifetime.

Thanks for all your comments Jérôme and have a great weekend!

[mappleluna]

Yes Mintos, I thought why not. I ran 6 months with them with a (virtual) yield of just over 10%. I say virtual because today I still have over 10k "stuck" there and god only knows what will happen to P2P lending in these troubled times...

Otherwise yes it is clearly Frenchy oriented lol All that was copied from lerevenu.com so…

I am in the process of reorganizing a theoretical long-term portfolio (50% stocks, 20% index ETFs or others, 10% REITs and 20% bonds) by shaking up what I currently have quite a bit. As soon as I have something presentable, I will allow myself to submit it to you for your opinions.

 

Have a nice day!

[mappleluna]

Thank you for your welcome messages and your response Jérôme. I note the tax optimization aspect to consider later, so I will focus on investments at first.

 

@pitufo to put it simply I had been keeping some cash for a few months and I sent a little to mintos (moreover I am trying to get another 12k from them, the risk being too great at the moment, and they are no longer really liquid…) and at the time when we had the crash I bought a bit like during sales (and therefore far from me the concept of dollar cost averaging lol)

Currently I have 50k in my portfolio

• Nestle
• VW
• HYT
• Unibail Rodamco
• AXA
• Crossroads
• Sanofi
• Total
• Nexity
• CHIS
• Bouygues
• MCHI
• Engie
• ALD Automotive
• Korian
• CHIK

So I am mostly in Euro with 1 CHF instrument, another USD and 3 Chinese ETFs (what got into me? I don't know...)

100% shares, 90% EUR –> currently at +2% on the portfolio since its creation

I know this distribution is not great, I will educate myself a little more and open a topic on the forum to discuss it if you want.

Good day !

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