Hey all,
I’m 22 years old living in Germany and just got my first real job. I want to start investing but I’m pretty new to this whole thing. My plan is to put away €200 every month using dollar cost averaging. Here’s how I’m thinking about splitting it:
- €100 into iShares Core MSCI World UCITS ETF (IWDA)
- €100 into Ethereum (ETH)
This is just my starting point though. By December, I’m hoping to bump it up to around €350-€500 per month. If my salary keeps growing like I expect, I’d love to hit €800-€1000 monthly investments by next summer.
My thinking is to keep this going for maybe 12-18 years and just increase the amounts as I make more money. I really want to make this a habit that I stick with long term.
Any feedback would be awesome, especially about IWDA or if I should maybe look at adding some other ETFs to the mix. Appreciate any help!
I’ve been doing something similar for three years, though I started with way less in crypto. IWDA’s a solid pick - cheap fees and good diversification for long-term stuff. But jumping straight to 50/50 traditional ETFs and Ethereum seems pretty aggressive if you’re just starting. I had better luck ramping up crypto slowly as I got used to the swings. Started around 20%, now I’m at 35%. The mental game matters - if your portfolio drops 30% in a month because ETH crashes, you can’t freak out and sell. Twelve to eighteen years is great for compound growth, but what if you need cash earlier? Keep emergency funds separate from this strategy. Also, German brokers like Trade Republic or Scalable make ETFs easy, but you’ll need different platforms for crypto. That makes tracking everything for taxes way more complicated.
Smart move starting at 22! But I’m curious - what’s your plan if crypto crashes? Ethereum swings way more than IWDA.
Why ethereum specifically? Why not spread that crypto portion across different coins? And are you keeping both investments on the same platform?
That 12-18 year timeline caught my attention - pretty specific! House deposit? Just building wealth? Knowing your goal would help dial in the strategy.
One thing though - you’ve looked into German taxes, right? I think there’s a one-year holding rule for crypto to dodge taxes, but no clue how that works with monthly buys. Anyone here dealt with German tax rules for mixed portfolios?
great start man! IWDA’s cool, but think about adding an emerging markets ETF when u reach €350+. that 50/50 split with ETH is pretty bold - crypto can be harsh. maybe go for a 70/30 or 80/20 until u get used to the ups and downs. good luck!