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Portfolio Feedback

--GER English version Below


Dear community, a question for you: Leave it or Keep it?


I started investing (apart from small amounts of crypto in 2021) towards the end of 2023. I bought various ETFs, the biggest one is now $VWRL (-0.24%) and also linked to savings plans.


I intend to keep it the strongest in my portfolio, along with and $IBGX (-0%) . Together with $VWRL (-0.24%) I also have a savings plan in a relatively well performing active fund on India Equity Large Cap. I intend to keep these two/three funds as the main exposure in my portfolio.


Some time ago, I shared the composition of my portfolio and sought feedback. The problem was that I own other small ETFs (e.g. $WFIN (-0.1%) , $WENS (+0.02%) etc...with others worth less than 1500 euros).


Now the question is: should I keep them? If so, until when? I have no intention to put more money in them as I want to have 2 max 3 reference ETFs diversified (as much as it is possible). Hence my intention to restructure a little.


Also, I'm not sure if I should reduce my exposure to the individual stocks. I am now focusing -as you see- on 6 stocks, 5 of them relatively growth oriented and 1 more -allow me- a gamble. These si$NVDA (+0.18%)
$LLY (-0.04%)
$LMT (-0.02%)
$ALV (+0.14%)
$XOM (-0.03%)
$ALFEN (-0.31%) .


Am I missing something here? Or is the diversification good enough?


Time horizon 10-15 years before I start selling anything.


---ENG


Dear community, a question for you: Leave it or Keep it?


I started investing (besides small amounts of Crypto in 2021) around the end of 2023. I bought different ETFs now the biggest being $VWRL (-0.24%) and with saving plans attached too.

I have the intention to keep it the strongest in my portfolio, together with $IUIT (+0.03%) and $IBGX (-0%) . Together with $VWRL (-0.24%) I also have a saving plan in a relatively well performing active fund on India Equity large cap. I plan to keep these two/three as the major exposure in my portfolio.


I shared the portfolio composition sometime ago, looking for feedback. The issue highlighted was that I own other small chunks of ETFs (i.e $WFIN (-0.1%) , $WENS (+0.02%) etc...With others with amount less than 1500 euros).


Now the question is: Shall I keep them? If yes until when? I have no intention to put more money into those, as I would lie to have 2 max 3 reference ETF diversified (to the extent is possible). Thus my intention to restructure a bit.


Also, I am unsure whether to decrease my exposure in the individual stocks. Now -as you can see- I am focusing on 6 stocks, 5 of them relatively growth oriented, and 1 more -allow me- a gamble. These are $NVDA (+0.18%)
$LLY (-0.04%)
$LMT (-0.02%)
$ALV (+0.14%)
$XOM (-0.03%)
$ALFEN (-0.31%) .

Am I missing something here? Or is the diversification good enough.


Time horizon 10-15 year before I start selling anything.

21Positions
€58,236.53
5.61%
4
4 Comments

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Hi! It’s a solid portfolio, I agree with you that all those sector ETFs are maybe too many.
I would probably get rid of the e-cars one, also the aex. Energy has already a big correlation with Exxon, I would wait out short term possible jumps due to Middle East tensions and then get rid of it.
Financials also, but at the end of the year. You could pick a couple of solid players with the amount and save them some more. Like Visa/Mastercard or even Berkshire
Healthcare, due to its defensive nature, I would keep instead
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I don't think much of the sector ETFs, because there is a lack of traceability to the index and comparability, and the fees are often higher...
That would be something for managed funds.
With a 10-15 year horizon, I wouldn't (yet) invest in government ETFs either. At the moment, overnight money with deposit protection yields more. You can always buy it later from capital gains at less volatile prices.
I'm also missing a EuroStoxx 600 ETF for a European. But India seems like a good idea to me! All in all, too much USA for me (but not easy to avoid with global ETFs). I don't see any disadvantages if there are many ETFs that provide good diversification. Fees are not higher/worse, only the "clarity" suffers. But that's what you're here for...
Rather, you have to realize that an ETF with a lot of competition could be closed down at an inopportune time.
1
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Yeah $ALFEN! Good luck with that! I know the products well (and think they're great too) and have invested a bit there too. Not at a good time though 😄

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