(@alschaeub) on getquin

2Mon·

Hello everyone,

I'm planning to use the 70/30 method for my initial investment and would like to hear your opinions. My idea is to invest 70% of my portfolio in stocks and 30% in bonds and real estate. I have already considered investing 35% in the $CSPX (+1.03%) and 35% in the $VWCE (+0.48%) to ensure broad diversification.

However, I'm wondering whether it makes sense to add an ETF for emerging markets or perhaps Europe and emerging markets to cover more small caps and emerging markets. What do you think? Are there any good ETF recommendations here that you would recommend to me?

In addition to the 30% bonds/real estate, I am also looking for two suitable ETFs - ideally one for bonds and one for real estate REITs. Which ETFs would you recommend here to create a stable and lower-risk basis in the portfolio?

I look forward to your feedback and thank you in advance for your tips!

14 Comments

six@six

2Mon

With S&P + All World you are less diversified than with the All World alone. Don't make it too complicated 😉

Edit: And if you also add EM, even worse

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Kevin E.@KevinE

2Mon

Whether 30% bonds / real estate make sense can only be considered in conjunction with your strategy.

It would make sense for you to explain yourself a little. Investment horizon, risk appetite, goal, possibly savings rate. Then we can say a little more.

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Silas@Bein-Godik

2Mon

I am also a friend of the 70/30 method. It's ideal for people who don't want to deal with it all the time. But I also use gold. So shares 60%, bonds 25% and 15% gold. Three stocks are enough:
$VWRL, $VECP and $4GLD

I use the distributing variants, the dividends can then be used for rebalancing

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fnd@fnd

1Mon

The issue with investing 35/35/30 is that these numbers don’t look good. 33.333 * 3 isn’t it either. You have to choose 4 investments.

NFA

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