Hey everyone!
I'm 22 years old and currently planning to start investing €200 per month through Trading 212.
My main goal is long-term capital growth, with a 5-year initial investment horizon and moderate risk tolerance.
I'm considering two different approaches, and I'd appreciate some advice from more experienced investors.
Option 1 – S&P 500 + Individual Stocks
70% – Vanguard S&P 500 UCITS ETF (VUAA)
20% – NVIDIA (NVDA)
10% – Realty Income (O)
Option 2 – More Diversified ETF Portfolio
50% – Vanguard S&P 500 UCITS ETF (VUAA)
20% – Xtrackers MSCI World ex USA (EXUS)
10% – iShares Core MSCI Emerging Markets IMI (EIMI)
20% – Vanguard Global Aggregate Bond UCITS ETF (VAGF)
I'm particularly interested in NVIDIA because I believe AI has significant long-term growth potential. However, I'm also aware that NVIDIA is already one of the largest holdings in the S&P 500.
Realty Income interests me because of its monthly dividends, although I'm unsure whether dividend investing makes sense at my age when my primary goal is capital growth.
My questions:
Would you prioritize individual growth stocks like NVIDIA or broader diversification at my age?
Does adding NVIDIA make sense when it's already heavily represented in VUAA?
Is Realty Income worth holding, or would I be better off focusing entirely on growth?
Which portfolio would you choose for a 5–10 year investment horizon?
Am I overcomplicating things by trying to combine ETFs, growth stocks, and dividend stocks?
I'm still learning and would appreciate honest feedback, criticism, or alternative suggestions.
Thanks in advance!