1Yr·

Hello dear community,

What do you think about the following investment strategy?

In essence a 70/30 strategy with some proven industry satellites around.

I am in my late 20s and would like to invest a larger sum according to the key as well as a monthly savings plan of 2k+ EUR (in the savings plan no gold, but more play money for individual stocks).

I am not interested in dividends, my investment horizon is 20+ years, risk affinity is not too high. I already have a stock portfolio but it costs me quite a bit of time and is always emotionally present. With a larger ETF portfolio I would like to bring a little peace in.

I would be interested to know what you think or what you would do differently.

#strategie
#portfoliostrategie
#anlagestrategie
#aufteilung
#etfs
#etf
#community
#personalstrategy
#portfoliofeedback
#etfanalyse
#etffeedback

25 Comments

Golden Boy@randomdude

1Yr

No dividend focus - that's already very good! But I have 2 thoughts/questions: What do you hope for from the sector ETFs? And if you say yourself that your risk affinity is not that high - is 15% gold enough?

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Crist@savvy_investor_60

1Yr

@randomdude isn't it better to have the dividend focus later, when you are 40 years old. I mean it would be important for me first to expand my starting capital with growth shares and then later to invest all the money in dividend shares, so that I have a so-called "financial freedom".

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Elias@eliasthemessias

1Yr

@randomdude I still have physical gold in my safe deposit box, so it doesn't really matter here, but I'm ready for a return 😄 I've had good experience with the sectors over the past 5 years. The sales of the represented companies do not stagnate significantly even in times of crisis and have proven themselves in difficult times.

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Golden Boy@randomdude

1Yr

Okay, risk tolerance is very individual - maybe you meant crypto is too heavy for you, I immediately thought of a significant reduction in equity exposure. I remain skeptical about the sector ETFs. Health Care hasn't done much differently than MSCI World over the last few years and the two Consumer ETFs on average as well. I can't see any real sense in that.

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Johnny B.@JBatelli

1Yr

Instead of the 70-30 Vanguard ETFs, I would simply get an All Country or All World ETF. Then you have automatic rebalancing and very likely a better performance.

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Elias@eliasthemessias

1Yr

@JBatelli valid point! Just checked if I replace the two Vanguards by eg "iShares MSCI ACWI UCITS ETF (Acc) WKN: A1JMDF" the performance is even stronger and the rebalancing is omitted! Thanks :-)

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DerDanner@Therapeut

1Yr

Would be too much work for me personally but can be done👍

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Elias@eliasthemessias

1Yr

@Therapeut is eigl. quickly implemented and once created everything happens automatically

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DerDanner@Therapeut

1Yr

@eliasthemessias Yes, but at the end of the year you have to restore the percentage weighting if individual funds have performed better or worse.

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Elias@eliasthemessias

1Yr

@Therapeut Yes well rebalancing belongs in the year just like the tax return 😅

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giraffinvesting@giraffidae

1Yr

Relaxed savings plan amount🤝

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Elias@eliasthemessias

1Yr

@giraffidae hustlin!

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Krush82@Krush82

1Yr

@eliasthemessias are you Elias from Delay Sports?

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Elias@eliasthemessias

1Yr

@Krush82 nope

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Stuttgarter81@Moneymoney

1Yr

I find a world AG of 6 ETFs even more forecast-free than defensive sector ETFs. ...depending on the size of the portfolio, I would add other assets. Short and long term government bonds. I also like the new ibonds from ishares (corporate bonds), gold/silver and real estate. ...but your way I also like 😊 many greetings and continued success 🍀👍🏻

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Epi@Epi

1Yr

I think the portfolio is ok. It is a defensive one for uncertain times and should yield about 5-6%pa. One consideration: the three defensive sector ETFs are likely to be highly correlated, i.e. splitting them into 3 won't do you much good. I would rather add a part of the portfolio with uncorrelated assets, e.g. CMCI ETF or with an uncorrelated strategy, e.g. GD200 strategy. This should then bring even more peace into the portfolio.

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Das Portfoliopferd@Portfoliopferd

1Yr

Without the satellites quite horny

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Elias@eliasthemessias

1Yr

@Portfoliopferd what bothers you about the satellites?

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Elias@eliasthemessias

1Yr

Here are the return figures for the 3 satellites: 1 month: +0.12% 3 months: +2.97% 6 months: +4.26% Current year: +7.56% 1 year: -3.30% 3 years: +27.56% (8.49% p.a.) 5 years: +56.48% (9.36% p.a.) Since inception (01.01.2013): +235.47% (12.04% p.a.)

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Ironman@Ironman2022

1Yr

@eliasthemessias and only the Developed World in the same periods? I would say keep it simple. 70/30 and that's it👍

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Elias@eliasthemessias

1Yr

@Ironman2022

1 month: +1.58 % 3 months: +3.46 % 6 months: +4.31 % Current year : +8.90 % 1 year: -2.94 % 3 years: +26.57 % (8.25 % p.a.) 5 years: +42.55 % (7.34 % p.a.) Since inception (01.01.2014): +97.55 % (7.94 % p.a.)

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Elias@eliasthemessias

1Yr

@Ironman2022 whereas I am currently considering to replace the two 70/30 Vanguards with an iShares MSCI ACWI UCITS ETF (Acc) (A1JMDF) 1 month: -0.95 % 3 months: +4.15 % 6 months: +7.81 % 1 year: +2.49 % 3 years: +35.23 % (10.58 % p.a.a.) 5 years: +52.70 % (8.84 % p.a.) 10 years: +172.11 % (10.53 % p.a.) Since inception: +259.06 % (11.39 % p.a.)

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Johnny B.@JBatelli

1Yr

@eliasthemessias If the MSCI ACWI outperforms your 3 sectors and is even safer, then why isn't the MSCI ACWI enough for you? 😅

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Elias@eliasthemessias

1Yr

@JBatelli now he is enough for me ;-) was for me rather an addition to the 70/30 Vanguards. Therefore, the exchange here has already brought me a lot of positive insights! 🤝🏼

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Marcel@AktienGaertner

1Yr

Looks good, I would start with it if your gut goes with it too.

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