3Yr·

Hello. after reading along for a while, now my first post and immediately a question to the community.

I would like to start one or more etf savings plans. My idea would be the following:

100€ per week divided into $VUSA (+1.29%) 40€, $VEUR (+2.67%) 30€, $VAPX (-0.58%) 20€, $VJPN (+0.73%) 10€.

Does this make sense or is it better to save only one etf e.g.: $VDEV (+1.3%) . My thought is that the USA share is always too high for me with the whole world etfs and I can determine / control the distribution with the 4 etf variant. I am curious about your feedback and thank you in advance.

7 Comments

Nico@Lucki_Lucki

3Yr

If you read longer you should have noticed that your idea is not so good. With ETFs is always keep it simple. So nen only 1 to a maximum of 2 ETF.

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DerMartin@DerMartin

3Yr

@Micky_Maus And that's exactly where people can have different opinions. There is no "universal right" here.

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Drööd@OFant

3Yr

@Micky_Maus I see something different if you are not satisfied with the regional weighting in a world, for example, can make sense As here in this case Also, it is often the case that the ter in a world is higher for individual Z.b TER $IWDA of 0.2% Vs Ter of stoxx 600 / s&p 500 at about 0.08% Therefore, it can make sense through a targeted etf selection to push the total expense ratio (are at 10k in the etfs also another € 12 per year)

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Epi@Epi

3Yr

I like your idea of weighting the regions individually. What principle do you use for weighting? Market capitalization, GDP, risk optimization? Maybe you can add other assets? Do you know these model portfolios? https://www.justetf.com/de/musterportfolios.html

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Uwe G@UweG

3Yr

In principle, I think the approach is good. However, you have a relatively high Asia-Pacific share, i.e. more Australia or Korea than Germany. This and the lack of emerging markets should be taken into account.

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Stulle 🥪@Stullen-Portfolio

3Yr

I think it's right that you are thinking about it, @Buffy123, and I think you are thinking about it in the right way. Furthermore, I suspect that you will also think further or maybe you have already thought: ETFs for small caps and/or emerging markets... But yes, what @Micky_Maus writes is also true... At the latest from the number "2" you leave the mainstream area here as far as the upper limit of ETFs is concerned...

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Ironman@Ironman2022

3Yr

It depends on the investment amount. Below 100k, more than two, maximum 3 ETFs make little sense because of rebalancing, complexity, etc. I have World + Emerging markets. I myself have World + Emerging markets and consider from 50k to add the smallcaps. The indices are rebalanced regularly anyway and so the strong US share can decline again. No investment advice

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