u/Greedy-Tart-6330

Ciao a tutti, volevo chiedere un’opinione generale sulla mia situazione finanziaria e sul mio PAC, giusto per capire se secondo voi sto gestendo bene soldi e investimenti oppure se ci sono cose che potrei migliorare.

Ho 21 anni, vivo ancora con i miei genitori e ho spese abbastanza basse, mediamente sui 700€ al mese.

Attualmente guadagno 1900€ netti, ma a metà giugno cambierò lavoro e fino a fine settembre dovrei prendere attorno ai 2500€ netti al mese. A novembre invece ho in programma di trasferirmi a Vienna per vivere da solo e lavorare lì, quindi nei prossimi mesi dovrò probabilmente affrontare spese iniziali per appartamento, cauzione ecc.

Situazione attuale:
- 12.500€ investiti
- 17.000€ liquidi
- di cui 15.000€ su Trade Republic al 2%
- PAC da 500€/mese
- PAC diviso 70% VWCE e 30% Nasdaq

L’idea è quella di investire a lungo termine e continuare il PAC con costanza senza fare trading.

Secondo voi:
- ha senso mantenere un PAC da 500€ nella mia situazione?
- ha senso tenere così tanta liquidità in vista del trasferimento?
- aumentereste il PAC con il nuovo stipendio oppure terreste più cash per sicurezza?
- in generale come vi sembra la mia situazione alla mia età?

Nota: i 4000€ in S&P500 sono perchè in passato ho avuto per un pò un PAC 50-50 vwce-syp500, prima di modificarlo in 70-30 vwce-nasdaq.

Grazie :)

Hey everyone,

I thought I’d do a bit of a financial/life situation check because this year will probably be a pretty big transition for me and I’m unsure if I should handle my money differently.

I’m 21, from Italy, and currently still living with my parents. Right now I have:

- €12.5k invested
- €15k liquid cash in a 2% interest savings account
- investing €500/month consistently
- current portfolio is roughly 50% VWCE, 40% S&P500 and 10% Nasdaq
- recently I changed investments from 50-50 vwce-voo to a 70-30 vwce-nasdaq strategy, which I currently plan to keep for the coming years/months, possibly only changing contribution amounts rather than ETFs themselves
- monthly spending averages around €700

To be honest, €700/month still feels high to me considering I live with my parents, but that includes gym, food, car, random expenses, going out sometimes, etc.

At the moment I earn around €1900 net/month. I’m changing job soon and from around mid-June until the end of September I should earn roughly €2400–2500 net/month, while expenses will probably stay pretty similar. I’ll also receive around €2000 extra from TFR/final payments from my current job.

The bigger thing is that around November I’m planning to move to Vienna and live alone for the first time. So now I’m starting to question whether I should change the way I manage my money before making such a big move.

My current estimate is that by the time I move I could end up with somewhere around €22k–25k liquid cash while also increasing investments further.

What would you do in my situation?
- Keep investing the same way?
- Change ETF contributions or allocation temporarily?
- Build a bigger emergency fund before moving?
- Keep more cash available during the first year abroad?

I also feel like once I move to Vienna it will probably become much harder to stay as consistent with €500/month investing, especially during the first months of living alone, although maybe still manageable depending on actual living costs there.

I know long term investing is important, but at the same time moving alone to another country feels like one of those moments where flexibility and liquidity might matter more than optimizing every euro.

Curious what people with more experience would do.

Opinioni su PAC e gestione soldi prima di trasferirmi a Vienna? (21M)

Money management check before Vienna relocation (21M)