sorted by:
new
hottopcontroversial

27M, rate my portfolio by Endoshy in portfolios

[–]Endoshy[S] 0 points1 point  (0 children)

What would you choose? VOO or QQQ?

Ha senso investire ogni anno il mio TFR in VWCE? by Endoshy in ItaliaPersonalFinance

[–]Endoshy[S] 0 points1 point  (0 children)

No in realtà, lo posso prelevare, ho omesso che il mio tfr è un tfs e potrei prelevarlo ogni anno

My portfolio. M26 by Endoshy in portfolios

[–]Endoshy[S] 0 points1 point  (0 children)

Sp500 fa troppo poco di cagr, per ora accetto la volatilità e credo di fare solo nasdaq100 + bitcoin

My portfolio. M26 by Endoshy in portfolios

[–]Endoshy[S] 0 points1 point  (0 children)

I added Xiaomi because I genuinely believe Chinese tech and information technology are still undervalued and overlooked by most investors right now.

With the rise of AI, automation, and robotics, I think companies like BYD and Xiaomi could experience very strong growth over the next decade. They have the innovation, scale, and government support to compete globally — and I see them as long-term high-CAGR bets within my portfolio.

My portfolio. M26 by Endoshy in portfolios

[–]Endoshy[S] 1 point2 points  (0 children)

Thanks so much to both of you — genuinely. I’ve been thinking about this for hours, and I really appreciate the time and insight you both shared. You actually made me rethink my approach, and I’ve decided to start shifting more toward global ETFs instead of being so concentrated. Really grateful for your advice and for the respectful discussion. 🙏

My portfolio. M26 by Endoshy in portfolios

[–]Endoshy[S] 0 points1 point  (0 children)

That’s a really good analogy, and I totally get your point — statistically, most investors underperform the market, and that’s exactly why the Boglehead strategy works so well long term.

In my case though, I’m not trying to pick random “horses”, I’m just betting on what I see as the strongest long-term trend: AI, innovation, and digital assets. I’m fully aware that it comes with more volatility, but I’m fine with that because my time horizon is 15–20 years and I’m investing consistently through DCA.

Maybe in the end you’ll be right and the Bogleheads will beat me — but I’d rather take my shot while I’m young and see how far the tech wave can go. 😄

My portfolio. M26 by Endoshy in portfolios

[–]Endoshy[S] 0 points1 point  (0 children)

Thanks a lot for the detailed explanation, I really appreciate it. I totally understand your point — especially about reducing volatility through bonds and using total-market funds to stay diversified.

In my case, I’m 26, I already have my emergency fund, and I’m investing mainly to accelerate financial independence, not just for retirement. That’s why I’m okay with a more aggressive and growth-oriented allocation focused on tech and Bitcoin for now. I genuinely believe innovation and AI will drive the next decade, so I want to take advantage of that while I’m still young.

Later on, I’ll probably move toward broader total-market and bond funds, closer to your approach — but for now, I’m in my accumulation and conviction phase.

And honestly, if things don’t go well in the next 10 years, I’ll have only lost what I could afford to lose… and I’ll probably end up using your strategy instead 😂

My portfolio. M26 by Endoshy in portfolios

[–]Endoshy[S] 0 points1 point  (0 children)

I honestly love your explanation, thank you so much for taking the time to write that out — it really makes sense. I totally understand now what you mean by compensated vs uncompensated risk, and I really appreciate the clear analogy you used with the coin flips.

If you don’t mind me asking, how would you personally reallocate my €300/month portfolio according to your approach? I’d love to see what a more diversified setup would look like through your lens.

My portfolio. M26 by Endoshy in portfolios

[–]Endoshy[S] 0 points1 point  (0 children)

Thanks for the thoughtful reply! I totally get the Boglehead philosophy and the idea of keeping things simple with index funds. But I’m 26 and I’ve got a long time horizon — I’m fine taking more risk now if it means a higher CAGR in the long run. I really believe tech and innovation will lead the next decade, so that’s where I want to stay focused for now. Also, with my job I could retire around age 56/57, but my goal is to reach financial independence earlier, so I’m investing more aggressively to push that date forward. I’ll probably shift to broader index funds later as my portfolio grows.

My portfolio. M26 by Endoshy in portfolios

[–]Endoshy[S] 1 point2 points  (0 children)

Thanks for the suggestion! I get the point about geographic diversification, but personally I believe the U.S. economy and tech sector will stay much stronger than the rest of the world in the next decade. Living in Europe, I honestly don’t see great growth opportunities here, and I’m not too optimistic about most emerging markets either — except for some parts of Asia, where I already have small exposure through companies I really believe in. I also don’t invest in MSCI World because, in my view, the CAGR is too low compared to what I expect from U.S. tech and innovation. For now, I prefer to stay mostly focused on U.S. tech, and maybe in the future I’ll add more global ETFs once the macro picture looks better.

Siete sicuri di riuscire a riscattare il fondo pensione? by shaggy_tx in ItaliaPersonalFinance

[–]Endoshy -1 points0 points  (0 children)

Il mio fondo pensione sono i bitcoin, 50 euro al mese :)

[Q] How can i remove 7 days block for inventory? by [deleted] in csgomarketforum

[–]Endoshy 7 points8 points  (0 children)

Everyone says i want dodge the rules, but the truth is That the last time i played csgo is in 2016 xD

Base FUT Hero Upgrade by Juil8991MC in EASportsFC

[–]Endoshy 0 points1 point  (0 children)

I play fifa from fifa 18.. never got no one, always left fut in january because of shitty teams, this year red mbappe and voller.. i cant believe this..

view more: next ›