So a couple of months ago I got my first job and I slowly started investing just because I read a lot about it online and I thought I need to start ASAP without even looking what exactly am I throwing money at. So like a lot of people seemed to suggest at that time, I just started buying VWCE mindlessly every month.. My problem was that I started reading/educating myself about investing only after I already started with it. I had absolutely no idea what the hell I was getting by buying VWCE, I was just promised I would be rich one day. After a few months, a couple of books and a lot of research I finally understand what I am actually buying with my money. Now, while I do think that VWCE isn't actually a bad choice, I don't think it's the right choice for me. I am planning on selling all my VWCE shares and start over.
Here's what I came up with and hopefully people can comment on my choices, and maybe recommended better options?
60-80% VUSA
10-20% Some Emerging Markets fund – not sure which one
10-20% Individual small P/E ratio stocks
I think this is a bit more riskier than just VWCE but that's kinda what I'm going for.
Also; I use IKBR as a broker, but I noticed that they take a small cut when buying a stock, like a euro or two.. It could add up over the years… Should I maybe switch to Trading 212? They advertise Commission-free investing, so since I'm selling all my shares, might as well transfer now that I have the chance?
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