7Mon·

I would like to switch my remaining active funds (relics from earlier times) into a cheap ETF. I would be interested in your swarm knowledge for this. The investment period would be around 10-12 years - after that it is important for me to generate a "good" cash flow from it. That's why I first thought of the $VHYL (-0.37%) - but the price performance is not that great. An alternative would be an MSCI World ETF (here the $HMWO (-0.39%) - or is there a better distributing alternative for the index?) The $FGEQ (-0.58%) is already being saved and I would therefore leave it out for the time being ( $TDIV (-0.7%) and $GGRP (-0.66%) I also had it on my radar at the time but opted for Fidelity). Therefore MSCI World or Allworld high dividend or one of your alternatives.

9 Comments

PunktPunktKommaStrich@PunktPunktKommaStrich

7Mon

$HMWO ❤️

•

Pope Donkey XXI@DonkeyInvestor

7Mon

No high dividend please
https://app.getquin.com/activity/rROZDjNjkK

••

Kai@Dividenden-Sammler

7Mon

@DonkeyInvestor Think too long - but what time before the planned "retirement" would be interesting for you to shift into such an ETF, if at all. I'm no longer one of those people who can still say "at a young age" 😀

••

Pope Donkey XXI@DonkeyInvestor

7Mon

@Dividenden-Sammler not really at all. Reallocations always cost unnecessary taxes.

••

Kai@Dividenden-Sammler

7Mon

@DonkeyInvestor That's right.
I'm also undecided at the moment whether I should put 100% in the $HMWO or split it 50% each into $HMWO and $TDIV. Or does the NL ETF also fall under your "no high dividend" premise? With both ETFs, I could have the distributions automatically reinvested by the broker in new shares on the distribution date at no cost to me.
With this combination, the high US share of the MSCI World would no longer be quite so high for me. The US stocks also predominate among my individual shares.

••

Pope Donkey XXI@DonkeyInvestor

7Mon

@Dividenden-Sammler The question is quite easy to answer. Simply compare the returns of the two (including reinvestment of dividends) over a very long period of time.

If you feel uncomfortable with a high USA share, you should look specifically at how you can reduce it in line with your strategy. Adding an ETF to your portfolio and then thinking it's great that it happens to reduce the US share is far from "targeted"

••