Summary of "W co inwestować w 2026 — moja strategia"

Summary of Finance-Specific Content from “W co inwestować w 2026 — moja strategia”

Performance Review 2025

Total investment gain: +PLN 54,000 (~PLN 4,500/month passive income)
Top performing assets:
- Precious metals:
  - Gold: +43% (in PLN)
  - Silver: +115% (in PLN) — last year’s biggest winner
- Polish stock market:
  - VIG ETF: +47%
  - WIG20 ETF: ~+52%
  - MVIG40 ETF: +36%
US stock market ETFs:
- +18% in USD terms
- <3% in PLN terms due to strong PLN appreciation vs USD
Developed Markets ETFs:
- +21% in USD
- ~6% in PLN
Global stock ETFs:
- +22% in USD
- ~7% in PLN
Emerging Markets ETFs: +15% (PLN)
Bitcoin: -18.5% (PLN) loss; started below 400k PLN, peaked ~450k PLN twice, ended just above 300k PLN

Summary: Silver and Polish equities were winners; US stocks and Bitcoin were losers, mainly due to currency effects and market performance.

Macroeconomic & Currency Context

Strong PLN appreciation against USD significantly reduced USD-based returns for Polish investors.
Currency fluctuations can materially impact returns when investing internationally.

Investment Philosophy & Strategy for 2026

Key principles:
- Avoid market timing or chasing recent winners (e.g., silver, Polish stocks).
- Focus on consistent, long-term strategy implementation.
- Diversify globally rather than concentrate geographically (only limited Polish exposure in bonds).
- Minimize risk and volatility primarily via a large allocation to treasury bonds.
- Use precious metals and Bitcoin for diversification and portfolio supplementation, not as core holdings.
- Avoid emotional or trend-driven changes; any adjustments should be calm and gradual.

Portfolio Construction & Asset Allocation

Core holdings:
- Global equity ETFs (broad exposure to developed and emerging markets).
- Treasury bonds for risk reduction and volatility control.
Specific ETFs planned for 2026:
- iShares MSCI ACWI UCITS (accumulating dividends)
- Vanguard FTSE All-World UCITS (accumulating dividends)
ETF country allocation (approximate):
- ~63% USA
- 3–6% Japan
- ~3% UK, Canada, China, Germany (varies slightly by ETF)
Sector exposure:
- Largest: Technology and Finance
- Followed by Consumer Discretionary and Industry (order varies slightly by ETF)
Top 5 holdings:
- Nvidia, Apple, Microsoft, Amazon, Alphabet (slight variation in order)
Preference for broad global ETFs to navigate geopolitical uncertainty and dynamic country weightings.

Planned Actions for 2026

Continue to buy and hold; no planned sales.
Make first ETF purchases in January using I and X accounts.
Increase bond holdings during the year.
Possibly increase Bitcoin exposure slightly due to market weakness.
Potentially buy a gold coin later in the year (price-dependent).

Additional Notes & Recommendations

Emphasizes importance of understanding investment tools to avoid losses.
Offers a free list of ETFs with ISIN codes via the “Academy of Smart Finance” (link in description).
Encourages viewers to follow their own investment plans rather than copying others.
Reminder: This is not financial advice.

Disclaimers

Presenter states explicitly: “This is not investment advice.”
Encourages calm, informed investing rather than emotional or trend-driven decisions.

Presenter

The video is presented by an individual investor sharing personal investment results and strategy (name not specified in subtitles).

Summary

The presenter reviews 2025 investment returns, highlighting strong performance in Polish equities and precious metals, while US equities and Bitcoin lagged due to currency effects and market conditions. For 2026, the strategy focuses on global diversification via broad ETFs (iShares MSCI ACWI and Vanguard FTSE All-World), balanced with treasury bonds to manage risk. Precious metals and Bitcoin serve as diversification tools but are not core holdings. The approach emphasizes consistent, long-term investing without market timing, with planned incremental purchases starting early in the year.