Portfolio analysis

M

mathieu

New member
Hello everyone,

I'm going to share my portfolio with you and I'd love to get some feedback on it, I'm open to criticism. To start with, I'm 20 years old and I work in a sports center. My investment horizon is 30 years. I do DCA with 1500 per month. I invest in 3 different sectors.

The first is the market in general, and for this I've chosen the VT etf. It covers the USA, Europe, emerging markets and China. I believe that global growth will increase over the next 30 years. This first sector makes up the bulk of my portfolio.

The second sector is nuclear power. For me, nuclear power will be indispensable in the future, especially as demand for electricity rises, and also in the fight against global warming (decarbonized energy). That's why I chose the NLR etf.

And the third sector is healthcare. I think this sector will grow over the next few years, as there are many unresolved issues such as the fight against cancer and obesity. And for this sector I didn't want to choose an etf because it "looked" too much like VT. So I opted to buy shares. I took the 2 market leaders: LLY and NVO. Otherwise in terms of weightings I'm at:
  • 75% VT
  • 15% NLR
  • 5% LLY
  • 5% NVO
Do you think my portfolio weighting matches my profile?
Do you have any suggestions/advice for me?
And what do you think of my portfolio in general?

Thank you !
 
Thanks for sharing and congrats for thinking about investing so early in your life!

My thoughts:
  • Nuclear is quite a specific topic. I would position this within energy more broadly. Having such a big exposure (15%) to such a specific topic to me looks like quite a big risk. I would therefore change the weight of heathcare (broad topic) and nuclear (specific topic). For full transparency: I'm not as bullish on nuclear as you are (hard to build new big powerplants, still long way to go to make smaller plants work efficiently). From this perspective I would even recommend to reduce nuclear to 5%.
  • Your investment horizon is 30 year. That makes you 50 years old when you are planning to withdraw money. Why 50? Is this your planned FIRE age?
  • Do you have a fixed income component in your overall portfolio (here thinking especially about 2nd pillar). If not, meaning your portfiolio allocation abvoe are your complete assets, I would recommend to allocate some part to fixed income.
 
gaijin said:
Thanks for sharing and congrats for thinking about investing so early in your life!

My thoughts:
  • Nuclear is quite a specific topic. I would position this within energy more broadly. Having such a big exposure (15%) to such a specific topic to me looks like quite a big risk. I would therefore change the weight of heathcare (broad topic) and nuclear (specific topic). For full transparency: I'm not as bullish on nuclear as you are (hard to build new big powerplants, still long way to go to make smaller plants work efficiently). From this perspective I would even recommend to reduce nuclear to 5%.
  • Your investment horizon is 30 year. That makes you 50 years old when you are planning to withdraw money. Why 50? Is this your planned FIRE age?
  • Do you have a fixed income component in your overall portfolio (here thinking especially about 2nd pillar). If not, meaning your portfiolio allocation abvoe are your complete assets, I would recommend to allocate some part to fixed income.
Click to expand...

gaijin said:
Thanks for sharing and congrats for thinking about investing so early in your life!

My thoughts:
  • Nuclear is quite a specific topic. I would position this within energy more broadly. Having such a big exposure (15%) to such a specific topic to me looks like quite a big risk. I would therefore change the weight of heathcare (broad topic) and nuclear (specific topic). For full transparency: I'm not as bullish on nuclear as you are (hard to build new big powerplants, still long way to go to make smaller plants work efficiently). From this perspective I would even recommend to reduce nuclear to 5%.
  • Your investment horizon is 30 year. That makes you 50 years old when you are planning to withdraw money. Why 50? Is this your planned FIRE age?
  • Do you have a fixed income component in your overall portfolio (here thinking especially about 2nd pillar). If not, meaning your portfiolio allocation abvoe are your complete assets, I would recommend to allocate some part to fixed income.
Click to expand...
I agree with you about nuclear. Right now my portfolio is 90% VT and 10% NLR. So why not stay at 10% on nuclear. That way, my weighting for my "new portfolio" will be 80% VT, 10% NLR, 5% LLY and 5% NVO. Which might make sense: 80% general market, 10% nuclear and 10% healthcare. What do you think?

I said that my investment horizon is 30 years to say that I'm in it for the long term, but ideally I'd like to withdraw the money as late as possible, why not when I retire, so in 45 years' time!

For the time being, I don't have a second pillar because I'm not taxable - I'm still an apprentice!
 
I think your portfolio is quite good for your profile as long as you are aware of the biases.

I am not entirely convinced about the two healthcare shares. 5% is quite little already for an ETF, but a significant bias towards companies. Why not use a single ETF with 10%.

Since you already have 15% biases, I would personally go with 80/10/10 that would seem less biased. But of course, this is your portfolio and you are the only one who can really know whether it fits :)
 
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