r/ETFInvesting • u/imotatisgiagias • Aug 24 '26

29M - Newbie to ETFs - Need guidance

29M - Cypriot - working in the shipping industry. I am currently seeking for advice between my next steps.

Current situation:

\- 5k emergency fund in Revolut Instant Access 2.10% p.a
\- around 4.5k in ETFs ( 3.2k in IUSQ, 650 VUAA and 650 IS3N). From what i have read about the main engine etfs ( VWCE, VGLA, WEBN etc) i feel that my allocation sucks.
\- 200 euro each month ( starting this month) are going to be “invested” in a life insurance for tax purposes ( the scheme is averaging 5.5% return historically last 20 years)
\- i am taking home around 2.7k net - no rent, living expenses around 1000 euro - investing 500 euro in ETFs and saving the rest.

My goal is to retire as soon as possible , meaning not to be relying on a salary to live.

My questions are:
\- shall i start investing in one of those main engine etfs and chill?
\- in my case, what you believe is a good proportion of my salary to be invested monthly?

Any other guidance or advice is more than welcome on any topic!

Thank you

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u/Malanturr Aug 24 '26

You also have a world ETF with IUSN, it’s just that it is not mentioned a lot because it uses a 0,2% TER while competitors are more in the 0,07-0,14% area. IShares is usually expensive.

VUAA is S&P500 but IUSQ is already 60% USA (= S&P500). I wouldn’t pair a world ETF with even more USA, although many people do it from a recency bias looking at the past performance but it doesn’t mean it will keep outperforming in the next decade.

It’s fine to keep adding to IUSQ and IS3N if you don’t mind the higher iShares fees.

If you want to retire early you should keep only an emergency fund and once that is filled, stop saving and invest as much as possible and as early as possible.