u/dazr7

Boas pessoal,
Tenho 18 anos e estou a começar agora a investir com uma perspetiva de longo prazo. A minha ideia é fazer DCA provavelmente num ETF All World.

Neste momento estou indeciso entre a Trade Republic e a Trading 212, mas ainda não tomei uma decisão final.
Pelo que vi:
Trade Republic parece mais simples e com bom sistema de poupança/investimento automático
Trading 212 tem mais flexibilidade e talvez mais opções

Mas não sei até que ponto uma é melhor que a outra a longo prazo, principalmente em termos de segurança e custos “escondidos”.
Também estou aberto a outras sugestões (por exemplo, outras corretoras que usem na Europa/Portugal e que sejam boas para DCA).

Obrigado.

Hi everyone,
I’m 18 years old and I’m just starting my investing journey. My goal is to do monthly DCA into ETFs for the long term. ~30/35 years
Right now, I’m undecided between two platforms and I would like some help to choose one:

Trade Republic, because it also works like a bank, offers a card, cashback, and pays interest on uninvested cash.
Trading 212, because it seems more focused purely on investing, especially ETFs, and is widely used for easy DCA investing.

I also currently have a traditional Portuguese bank account where I keep my day-to-day money. I’m not sure if I should keep using that for daily expenses, or if it would make sense to move everything to Trade Republic since it can also function as a bank, or just keep everything separated.

Another question I have is about credit cards. I don’t have one yet. I’m not sure if it makes sense to get one at 18, or if it’s still too early. What are the real advantages of having a credit card at this stage (credit history, cashback, security, etc.), and which ones should I think about having?

Thanks!

Hey everyone,

I’m 18 and looking to start investing for the long term using a DCA. The idea is to keep things simple and really stick to a “set and forget” mindset, not panic selling during drops, and actually trying to buy more when the market is down.

Right now I’m a bit stuck choosing between VWCE and WEBN. I’ve seen a lot of people speak highly on WEBN because of its low TER, but I’m not sure if one has a clear advantage over the other in the long run, so I’d love to hear your thoughts.

I’m also unsure about how I should structure my portfolio. These are the options I’ve been thinking about:

- 100% VWCE/WEBN
- 90% VWCE/WEBN + 10% small caps
- 90% VWCE/WEBN + 10% a tilt ETF (probably semiconductors- SEC0)
- 80–90% VWCE + 5–10% small caps + 5–10% a tilt ETF

Part of me wants to keep it super simple, but I also wonder if adding a small tilt or small caps could be worth it long term.

My plan is to start with around €50/month and increase it whenever I can over time.

What would you do in my situation? And do you think it’s better to just keep it simple or add a bit more diversification/tilt from the start?

Appreciate any opinions or advice.

Hi i’m 18 years old and I’m thinking about starting a DCA for long term ( ~ 35 years ) , trying to retire earlier. I’m from Portugal and the salaries here are not that high , but I will put some every month. Planning to start with 50€ month and keep increasing when I can.
My plan is to diversify my portfolio with a core and give some boost with some tech probably. I was thinking about VWCE as my core, making 70% of my portfolio. To get some tilt , my idea is 15% on Nasdaq-100 and diversify more adding 10% on small caps. The last 5% i was thinking about BTC, but i don’t have any knowledge about crypto so i’m in doubt.

Some advices I would like to have are if 15% on Nasdaq is too much overlapping due to already having VWCE, if VWCE is a good core, if i really need small caps , should i remove or lower BTC, need for gold at my age, add some emergent markets and if i can believe that the US are going to dominate the market for the next 20-30 years.

If anyone could help me I would be grateful
Thank you

Hi i’m 18 years old and I’m thinking about starting a DCA for long term ( ~ 35 years ) , trying to retire earlier. I’m from Portugal and the salaries here are not that high , but I will put some every month. Planning to start with 50€ month and keep increasing when I can.
My plan is to diversify my portfolio with a core and give some boost with some tech probably. I was thinking about VWCE as my core, making 70% of my portfolio. To get some tilt , my idea is 15% on Nasdaq-100 and diversify more adding 10% on small caps. The last 5% i was thinking about BTC, but i don’t have any knowledge about crypto so i’m in doubt.

Some advices I would like to have are if 15% on Nasdaq is too much overlapping due to already having VWCE, if VWCE is a good core, if i really need small caps , should i remove or lower BTC, need for gold at my age, add some emergent markets and if i can believe that the US are going to dominate the market for the next 20-30 years.

If anyone could help me I would be grateful
Thank you

Hi i’m 18 years old and I’m thinking about starting a DCA for long term ( \~ 35 years ) , trying to retire earlier. I’m from Portugal and the salaries here are not that high , but I will put some every month. Planning to start with 50€ month and keep increasing when I can.
My plan is to diversify my portfolio with a core and give some boost with some tech probably. I was thinking about VWCE as my core, making 70% of my portfolio. To get some tilt , my idea is 15% on Nasdaq-100 and diversify more adding 10% on small caps. The last 5% i was thinking about BTC, but i don’t have any knowledge about crypto so i’m in doubt.

Some advices I would like to have are if 15% on Nasdaq is too much overlapping due to already having VWCE, if VWCE is a good core, if i really need small caps , should i remove or lower BTC, need for gold at my age, add some emergent markets and if i can believe that the US are going to dominate the market for the next 20-30 years.

If anyone could help me I would be grateful
Thank you

I’m 18 from Portugal and planning to invest monthly for the long term (30+ years), mainly through ETFs.

Right now I’m thinking of using Vanguard FTSE All-World UCITS ETF as my core holding, since it already gives global exposure.

I was considering adding a tilt with something like Invesco EQQQ Nasdaq-100 UCITS ETF plus some small caps, and a small allocation (~5%) to Bitcoin.

My main doubt is whether adding Nasdaq on top of VWCE creates too much concentration in US tech over such a long horizon.

I’m aiming to stay fully invested through crashes and keep it simple.

Would you keep the tech tilt or just stick closer to a pure global allocation?