Nice portfolio presentation and it's remarkable that you're thinking about your future at the age of 23 and are already investing now.
I can understand your thoughts on the combination of ETFs.
World ETF with EM and NASDAQ as a booster, since you are convinced of technology yourself.
Of course, Europe or something like Japan will then fall behind, as you are overweighting the USA. With the Europe fund, you are reweighting it to the NASDAQ in the same proportion as in the world ETF, except that you then completely underweight / "throw out" something like Japan.
Furthermore, I critically question whether the <security:n/a:LU0224105477> is really better. 1.8% running costs p.a.
-Why not a Stoxx 600 ETF, or something like
something like Momentum/Quality-Europe?
-Which benchmark did you compare your fund with? Due to the costs, the fund must ALWAYS generate >2% more return, which is logically not possible if it includes the same stocks - unless it takes on a larger cluster risk of individual stocks.
Regarding your individual stocks, it looks like you have thought about why you want them.
In short:
Carry on like this and strongly reconsider the Europe fund.
I can understand your thoughts on the combination of ETFs.
World ETF with EM and NASDAQ as a booster, since you are convinced of technology yourself.
Of course, Europe or something like Japan will then fall behind, as you are overweighting the USA. With the Europe fund, you are reweighting it to the NASDAQ in the same proportion as in the world ETF, except that you then completely underweight / "throw out" something like Japan.
Furthermore, I critically question whether the <security:n/a:LU0224105477> is really better. 1.8% running costs p.a.
-Why not a Stoxx 600 ETF, or something like
something like Momentum/Quality-Europe?
-Which benchmark did you compare your fund with? Due to the costs, the fund must ALWAYS generate >2% more return, which is logically not possible if it includes the same stocks - unless it takes on a larger cluster risk of individual stocks.
Regarding your individual stocks, it looks like you have thought about why you want them.
In short:
Carry on like this and strongly reconsider the Europe fund.
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•@MoneyISnotREAL Initial investment: € 10,000
Fond: <security:n/a:LU0224105477>
Initial sales charge: 5%
Ongoing charges p.a.: 1,8%
Yield p.a. (10 years): 9.4%
Volume: € 19,600
Costs: € 2,970
____________________
ETF: $XSX6
Issue surcharge: 0%
Ongoing costs p.a.: 0.2%
Yield p.a. (10 years): 6.8%
Volume: € 18,900
Costs: € 280
Fond: <security:n/a:LU0224105477>
Initial sales charge: 5%
Ongoing charges p.a.: 1,8%
Yield p.a. (10 years): 9.4%
Volume: € 19,600
Costs: € 2,970
____________________
ETF: $XSX6
Issue surcharge: 0%
Ongoing costs p.a.: 0.2%
Yield p.a. (10 years): 6.8%
Volume: € 18,900
Costs: € 280
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@MoneyISnotREAL I can fully agree with you. I had the same thoughts about the Europe fund. I think there are better funds or it is one of very few funds whose fund management outperforms the relevant market indices in the long term. It's also still quite new, so you can't say anything about it in the long term. The fees are quite high, which would have to be recouped first
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@MoneyISnotREAL, @Dividenden-Sammler, Thank you very much for taking the time to do an evaluation. On the benchmark issue, I had taken the page: extraETF and overlaid the ETFs with the fund. There were probably a few differences on my part or I didn't take into account the accumulating running costs thoroughly enough. I'll take a look at the comment and see whether it wouldn't make more sense to invest in an e.g. $XSX6 or whether I should add one or two individual stocks to my portfolio after checking them myself and thus, in addition to ( $NOVO B, $RACE, $OR ), it would already be sufficient to have a higher weighting in Europe and put the remaining amount into $IWDA.
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@Paulml With pleasure! That's what the platform is for.
And if you ultimately decide in favor of the fund, you have looked into it, weighed up your motives and decided in favor of it.
When it comes to Europe, you can also take a look at something like "Momentum, Quality". You might find it interesting to map Europe a little more.
Or, as you say, include certain individual stocks.
Many roads lead to Rome.
And if you ultimately decide in favor of the fund, you have looked into it, weighed up your motives and decided in favor of it.
When it comes to Europe, you can also take a look at something like "Momentum, Quality". You might find it interesting to map Europe a little more.
Or, as you say, include certain individual stocks.
Many roads lead to Rome.
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@Paulml
I think there are already some undervalued stocks in Europe. Especially in the s and m DAX, good companies have not performed well this year and have even lost ground. They have now become even cheaper as a result. Could of course gain momentum again with a new German government.
(Not an investment recommendation)
Examples would be $AIXA. $GFT $MUM $NEM $D6H
I think there are already some undervalued stocks in Europe. Especially in the s and m DAX, good companies have not performed well this year and have even lost ground. They have now become even cheaper as a result. Could of course gain momentum again with a new German government.
(Not an investment recommendation)
Examples would be $AIXA. $GFT $MUM $NEM $D6H
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•@MoneyISnotREALI'll have time to think about it over the weekend. One positive thing that caught my eye, for example, was $IEFM, where you can think about a reallocation or compare and weigh up the options first.
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