RHI
Robert Half Inc.
stock NYSE

Hello everyone,
I’m 21 years old and based in Austria. I’ve recently started investing via Trade Republic and would appreciate any feedback or input regarding my current portfolio and general investment approach.
Current Setup (as of May 2025):
**Monthly investment target:** €400 (potentially increasing to €600 in the coming months)
**Initial investment phase:** First structured month of investing
**Primary goal:** Long-term wealth building with a secondary focus on future passive income (dividends)
# Portfolio allocation:
* **Core MSCI World USD (Acc)** – €185.98
* **FTSE All-World High Dividend Yield USD (Dist)** – €117.00
* **Core MSCI EM IMI USD (Acc)** – €61.00
* **RHI Magnesita (individual stock)** – €36.10
* **Cryptocurrencies (BTC, ETH, MATIC)** – \~€33.00
**Total invested so far:** \~€447.00
**Current portfolio value:** €442.71
**Unrealized loss:** –€4.29 (–0.96 %)
# Strategy Summary:
* Focus on global ETFs for diversification
* Dividend-paying instruments (both ETFs and individual stocks) for medium-to-long-term income generation
* Minor exposure to crypto as a high-risk, low-volume allocation
* Intention to build a portfolio that could eventually cover fixed monthly expenses (e.g., insurance, rent)
# What I’d like feedback on:
1. Is this a reasonable allocation for someone starting with €400/month?
2. Any recommendations for stable monthly dividend stocks (especially in the EU/US)?
3. Should I shift further toward distributing ETFs instead of accumulating ones?
4. Any overlooked risks or inefficiencies in the current structure?
Thanks in advance to anyone taking the time to comment or share insights.
All feedback is appreciated to help me improve my long-term approach.

Hello everyone,
I’m 21 years old and based in Austria. I’ve recently started investing via Trade Republic and would appreciate any feedback or input regarding my current portfolio and general investment approach.
Current Setup (as of May 2025):
**Monthly investment target:** €400 (potentially increasing to €600 in the coming months)
**Initial investment phase:** First structured month of investing
**Primary goal:** Long-term wealth building with a secondary focus on future passive income (dividends)
# Portfolio allocation:
* **Core MSCI World USD (Acc)** – €185.98
* **FTSE All-World High Dividend Yield USD (Dist)** – €117.00
* **Core MSCI EM IMI USD (Acc)** – €61.00
* **RHI Magnesita (individual stock)** – €36.10
* **Cryptocurrencies (BTC, ETH, MATIC)** – \~€33.00
**Total invested so far:** \~€447.00
**Current portfolio value:** €442.71
**Unrealized loss:** –€4.29 (–0.96 %)
# Strategy Summary:
* Focus on global ETFs for diversification
* Dividend-paying instruments (both ETFs and individual stocks) for medium-to-long-term income generation
* Minor exposure to crypto as a high-risk, low-volume allocation
* Intention to build a portfolio that could eventually cover fixed monthly expenses (e.g., insurance, rent)
# What I’d like feedback on:
1. Is this a reasonable allocation for someone starting with €400/month?
2. Any recommendations for stable monthly dividend stocks (especially in the EU/US)?
3. Should I shift further toward distributing ETFs instead of accumulating ones?
4. Any overlooked risks or inefficiencies in the current structure?
Thanks in advance to anyone taking the time to comment or share insights.
All feedback is appreciated to help me improve my long-term approach.