1D·

ETF decision

Hello everyone,

I am 32 years old and am currently facing a possible small conversion of my portfolio and would therefore like to hear your opinion.

The conversion should actually be quite smart. I would like to keep my individual stocks and also my ETF $VWRL (-0.08%) continue to hold.

Due to the high proportion of US stocks in my portfolio (individual stocks and the ETF in question), I have considered transferring my savings plan with the FTSE of €800 per month to the $EXUS (-0.43%) and thus further diversify my portfolio.

I was initially thinking of a period of around 2 years - that means an investment of around €20,000 over the next 2 years. (I also invest € 200-300 per month in Bitcoin, all dividends are to be reinvested in gold)

I'm also open to any other feedback or suggestions for improvement! 😁

23Positions

€127,626.35

26.69%

4 Comments

Julian@MoneyISnotREAL

Your portfolio is similar to mine. Core of ETFs, a few individual stocks (from the past or as "fun", but no gamble). 👍

As the previous speaker wrote, I would also shift the savings rate in favor of $EXUS, but I wouldn't stop saving in $VWRL completely. Otherwise a nice portfolio. 👍

It doesn't affect your portfolio, but what I've been thinking the last few days when everyone talks about "too much US".

- my human capital for the next 35+ years will be invested/generated in DE as things currently stand.
- my pension (if there is anything else, but I'll take the pension statement as a basis) is in DE

* I.e. according to the current status, my human capital is still approx. 8 times higher than my securities account balance.
* In addition, the pension insurance (assumption: according to the pension notice, the monthly pension * 15 years)
* approx. 65% USA share in the portfolio

I calculate the 2 variants (without / with pension):
> approx. 7.5% USA share (human capital + custody account)
> approx. 6% USA share (human capital + custody account + pension)

I don't know, so I don't see the 60 - 70% US share of a world tf as critical yet. If it becomes more, I would take countermeasures, because I want to cover the global economy in a diversified way within the portfolio.
Because if you take the calculation above, you could also say: "Then 100%-USA goes" 😂

An excursion in a different direction.

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Wealth-Accelerator@Wealth-Accelerator

Doesn't sound unreasonable to me. Greetings from an ETF investor with a year more life experience.
If I were to add the exUSA and had your structure, I would probably just invest 60/40 in the FTSE and the exUSA for a while, but for longer than 2 years. Then you would still have a DCA effect on your US share.

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All-in-or-nothing@All-in-or-nothing

Yes, you can do that. Then the US lump becomes smaller, but because the index components (with the exception of US stocks) are otherwise largely identical, the non-US individual stocks are lumped together.🤷🏼‍♂️ Country diversification yes, otherwise the opposite effect.

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Alex@nitroxx

18H

I think I would simply continue to save the Ftse, in the long run it will sort itself out

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