Hello everyone,
I’m 21 years old and working as a Test Automation Engineer in the Payment Systems field. I’ve recently finalized my long-term investment plan, which I’ve been working on for a long time and which focuses on minimizing tax and commission costs. My goal is to achieve financial freedom by 2040.
My strategy: Regular investing when my salary is paid (DCA), buy & hold (no selling), and accumulating funds that automatically reinvest dividends.
Logistics:
Transfer: Wise → Interactive Brokers (IBKR)
Tax strategy: I use Ireland-domiciled ETFs (to avoid U.S. estate tax and dividend bureaucracy).
Portfolio Allocation (v9.0):
75% VWRA (Vanguard FTSE All-World): The core of the portfolio. Exposure to 3,700+ companies worldwide.
15% XNAS (iShares Nasdaq 100): Since I’m young, I want to give extra weight (tilt) to technology and growth. I’ve considered sector correlation risk; since I work in payment systems, I believe I can take this risk.
8% Gold (ZGOLD – BIST): Bought via the local exchange; acts as portfolio insurance and a currency hedge.
2% Bitcoin (BTCN – Amsterdam ETP): The “spice” of the portfolio. I buy it via a regulated ETP through IBKR.
My questions:
Do you think the XNAS allocation (15%) is too risky for a 21-year-old when combined with the technology weight already inside VWRA?
Would it make sense to split the gold allocation (8%) into “Silver + Gold” for this time horizon?
Overall, do I have any “blind spots”?
I’m looking forward to your valuable comments.