1Yr·

How many ETFs do you have in your portfolio and how many do you have in a savings plan?


I currently save 4 ETFs regularly ($VWCE, $SBIO, $WSML and $RBOT). In the case of NASDAQ Biotech, I am considering whether to stop the savings plan and simply hold the position. The profits will then be shifted into the FTSE All World.


#etfs
#savingstips
#portfoliofeedback

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82 Comments

1 . S&P 500
2. Europa
3. Japan IMI
4.EM IMI
5. Pazifik
6. All World small caps
7. Europa small caps
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I have 3:
1x $VWRL = Core - 60%
1x $GGRP = Quality/ Div. growth - 20%
1x $FGEQ =/Div growth - 20%

But I'm also considering adding a European dividend etf for diversification 🫡
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The $TDIV has a fairly high proportion of European content and performs very well.
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@TaubeSmash I am currently trying individual shares, for example from $EGRG with very good dividend growth. Maybe you can get some inspiration from that. Have a nice weekend 😁
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@TaubeSmash You often see this combination here - but I don't really understand it - it's just a duplication. Then you might as well take the all World 100 percent ?!
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@Boatswain_ice Thanks for the tip! I'm also still looking for a European ETF dividend payer 🤗
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@Bullnbear Very interesting! What criteria do you pay attention to and how do you weight them in your depot? have a nice weekend too 😉
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@Moneymoney the duplication in the ETFs strengthens/weakens the weightings in the overall allocation. Otherwise, the admixture makes sense for me in any case, as two different investment objectives are being pursued. FTSE = complete global economy, WT + Fidelity for quality and dividend growth with cash flow as a target
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@TaubeSmash Sorry, I have to disagree with you. The outperformance compared to the All World results solely from the fact that the All World also includes EM. Your thematic ETFs do not include any and the benchmark must therefore be the MSCI World. The correlation between your thematic ETFs and the MSCI World should be close to 1. I am therefore certain that you will always be beaten by the MSCI World with your thematic ETFs over a period of 5 years - due to significantly lower costs. 0.32 percent on average. Thematic ETFs are built for marketing reasons to justify a higher TER - but they make no sense. That's why you have to ask yourself if you want to include EM - then all World and without EM then the MSCI World.
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@TaubeSmash...and there is only 140 million in an ETF. If there is a bear market and the value halves, then the ETF can be liquidated. This cannot happen to you with an All World or MSCI World
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@Moneymoney everything may be correct, but my statement that I have two different investment objectives with the products remains true.
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@Moneymoney please send the screenshot with 140mio.
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1 ETF $SPY5 Goods Buffet would be proud of me.
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Christian Delacour likes this.
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@BorisB is this available on TR? I cannot find it for some reason
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@thoccky TR i don‘t know. I have it on Scalable
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@thoccky Yes it's available on TR, just try to search for the ticker "SPY5" or ISIN IE00B6YX5C33 from the ETF Info page here on getquin within the TR app.
It's also called S&P 500 (Dist) there.
70% MSCI World $HMWO
20% MSCI EM IMI $IBC3
10% STOXX Europe 600 $EXSA

All distributing :)
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I have 6, all distributing versions, as I like dividends:
As foundation => $FTWG 35%
As regional adjustment variables
- USA => $USA 20%
- Japan => $XDJP 15%
- Europe => $CD5 15%

Source for short-term growth
=> $WELL 10%
Source for long-term growth
$NRJ 5%
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Exciting - I am also considering strengthening Japan. Possibly with an IMI to cover small caps.
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@RaphGM If you are already distributing the countries in this way, why not give up Invesco. It's so small anyway and the volume hasn't grown much in recent years. You would definitely gain in TER if you did it properly yourself.
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The FTSE All World from Invesco was only issued last summer. Would give it some time to grow :-) The market is certainly there.
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@Boatswain_ice @RaphGM Yes, it will certainly grow, but that shouldn't be my main point. He has already partially taken out the USA, Japan and Europe as well, then everything can be broken down into smaller parts and it's even cheaper.
Example like this
5% $NRJ
10% $WELL
20% $VNRT
20% $SPY5
12% $PR1W or for quarterly payments but more expensive than $VDEV or $XDWL
15% $HMEF
9% $PR1J or more expensive but quarterly $XDJP
9% $PR1E Europe cheap $PR1Z Eurozone Cheap or the 50 $H50E
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@cashwithhead It's cheaper, not even a little and works with the distribution as far as I know as above
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@Boatswain_ice Exactly, I'm missing small caps, but unfortunately the small caps ETFs at Consorsbank are still quite expensive.
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@cashwithhead All your suggestions look good and I thank you for them.
But I am with Consorsbank and the Prime Amundi and also the Vanguard are not included unfortunately.

I didn't really want to have a World ETF and only regional ETFs also for South America or maybe Asia, but they are all really expensive at Consorsbank.
There is actually this $AEMD as an alternative but it is a bit more expensive than $FTWG, with 0.18% TER.
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@cashwithhead you asked a very good question and I am now thinking.
If I add an emerging market, then I can throw out the FTSE All World, and if I keep this EM ETF % low, I can still have my cost structure favorable.

But then maybe increase the US, Europe and Japan shares.

Ps: at Consorsbank there are many free savings plans and therefore I want to benefit from them and not pay the 1.5% savings plan fees for Vanguard or HSBC.

Thanks again for that!
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@RaphGM well the vanguards and hsbc are interchangeable have also sent an xtracker below can also send others in
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$S6X0 invesco $CD5 Amundi $AE5A Em and for the usa share you can also make 36% in the sp and make 4% more in the world .in addition to the japan from before (xtracker) there is also the $NADA @RaphGM
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No ETFs and no savings plans, just individual purchases 😁
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You must have money
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I have 3 all from ishares: Em IMI 30 % , Msci World 60% , MSCI World Small Cap 10 %
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1. Vanguard FTSE Dev. World 30%
2. IShares MSCI EM IMI 30%
3. Vanguard S&P 500 20%
4. Vanguard FTSE Dev. Europe 7%
5. IShares MSCI Small Caps 7%
6. Vanguard Asia Pazifik 3%
7. Vanguard Dev. Japan 3%
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Vanguard FTSE ALL WORLD //A1JX52//
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Aktuell 5:
Msci India (50€/M)
Robeco Indian equities (50€/M)
S&P 500 Information Technology (400€/Q)
Msci World SRI (100€/M)
Nassaq 100 (100€/M)
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I also have my eye on the S&P Information Technology. I just don't like the weighting so much -.-
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Step, double and triple. not well thought out.
currently 2:
$VWRL Core 90%
$CSNDX Satelite 10%

but considering adding the small caps $WSML for more diversification.
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I invest according to the sandwich strategy in a sandwich portfolio consisting of eight accumulating ETFs and eight savings plans. ✌️😎🤙

🎱@🥪
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I currently have 3:

$VWRL (1450€/M)
$SEDY (150€/M)
$IEEM (100€/M)

In terms of EM, the weighting is sufficient for me (precisely because the VWRL also has a small EM component). Salary increases therefore only flow into the $VWRL for the time being.
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An ETF as core with 60%
$SUSW
Keep it simple.
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60,01 % $VWCE
13,33 % $CSNDX
13,33 % $XDEM
13,33 % $XDEQ
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500 | 100 | 50 - all to 1/3 🚀
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For me it is $VWRL, $VHYL and $VSS
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1x MSCIWorld iShares 190€mtl.
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Two - keeping it simple:
90% $VWCE
10% $0GGH for a small bond portion
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75% MSCI World
5% MSCI Europe
20% Emerging Markets

Weight the Europe ETF a little higher in Europe only and reduce the USA.
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@xTh3Real I also think strengthening Europe is a good idea.
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56% $EXI2, 20% $UST, 17% $500 and a little bit of Europe (4% $CD9 and 3% $XESC but have actually been very loyal to $BRK.B. Have recently rebalanced. My portfolio is extremely US-heavy, but so are most ETFs
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Ishare Swiss dividends 50%
Msci world hedged ucits 50%
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Tell me, do you also have problems updating your depots so often?
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$CSPX 50%
$IUIT 30%
$ECAR 10%

I am looking for 1/2 ETF more, any suggestions, what I should buy?
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S&P500 and that's it. The nice thing about ETFs is that you don't have to do any rocket science.
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Msci world $IWDA
Emerging Markets $EIMI
Core Stoxx Europe $MEUD
Gerd Kommer $GERD
And now a small position in FTSE India

The first 3 get the highest savings shares. Gerd kommer is a bit of a "bet" and so is India

All in all, I have a few things twice as a result, and (hopefully) balance out the under/overweights in each case. That's my plan. And India as a bet for the future in 5 years
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MSCI World USCITS ~60%
MSCI EM ~30%
MSCI World Smallcaps ~10%

That's 80% and then another 20% in individual stocks.
But it fluctuates from time to time, also because I usually try to get by with 2 bookings per month for the ETFs.

No savings plan.
I cut my account down to about 15x my monthly expenses when my salary comes in (also because they fluctuate from time to time).
If a nest egg needs to be topped up or special expenses are pending (new fridge or something like that), that is taken care of first.

The rest goes into the custody account (although part of my nest egg is in Trade Capital anyway because of the 4%).

You should know each other and I'm not a savings plan person.
Personal budgets make me unhappy and make me spend more as I tend to stretch them to the last cent.

My savings amount has actually tripled since I only analyze my spending after the fact instead of setting it in advance.
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