u/Boris-Hoppe

Hi everyone,

I'm 35+ and genuinely at the very beginning of my investing journey — I've only just taken the first steps. I opened a Trading 212 Stocks & Shares ISA, and the two screenshots below show how I plan to build my portfolio.

A bit of context before you look:

- I'm about to add a lump sum, most of it into ETFs, with a smaller portion into single stocks.

- Of the single stocks, the ones I plan to hold long term are Amazon, Microsoft and Meta.

- The rest I'll reassess as I go — I'm still learning how to properly analyse companies, read financials, etc.

- I'd rather get feedback now, at the start, than discover mistakes in a few years.

So: what would you change, cut, or add? Anything obviously wrong with the allocation, too much overlap between the ETFs, too concentrated in US tech, missing diversification — all honest opinions welcome.

Also happy to take recommendations on books, YouTube channels or resources that helped you learn to analyse companies.

Thanks a lot!

I'm 35+ and genuinely at the very beginning of my investing journey — I've only just taken the first steps. I opened a Trading 212 Stocks & Shares ISA, and the two screenshots below show how I plan to build my portfolio.

A bit of context before you look:

- I'm about to add a lump sum, most of it into ETFs, with a smaller portion into single stocks.

- Of the single stocks, the ones I plan to hold long term are Amazon, Microsoft and Meta.

- The rest I'll reassess as I go — I'm still learning how to properly analyse companies, read financials, etc.

- I'd rather get feedback now, at the start, than discover mistakes in a few years.

So: what would you change, cut, or add? Anything obviously wrong with the allocation, too much overlap between the ETFs, too concentrated in US tech, missing diversification — all honest opinions welcome.

Also happy to take recommendations on books, YouTube channels or resources that helped you learn to analyse companies.

Thanks a lot!