Dear Community,

For some time now, I have been struggling with the idea of using (re)insurers such as $MUV2 (-0.44%) or also $HNR1 (-0.6%) in my portfolio. But also the $ZURN (-0.69%) and the $SREN (-0.22%) have popped up from time to time.

While searching for a suitable ETF, I then came across the Invesco STOXX Europe 600 Optimized Insurance ETF $SC0Y (-0.31%) came across it.

Here are a few key facts about the ETF:

• Comprises 20 companies, led by
• $ALV (+0.03%)
  (14,34%),
• $CS (-1.27%)
  (12,27%),
• $ZURN (-0.69%)
  (11,59%) and
• $MUV2 (-0.44%)
  (10,99%)
  (as at: 11.06.2025)
• Includes mainly companies from Germany (28,4%)Switzerland (24,4%)United Kingdom (15%) and France (13%) (as at: 11.06.2025)
• Fund volume: just under 50 million, and rising (as at: 19.06.2025)
• TER: 0.20%
• Management type: passive
• Dividend: Accumulating

I would like to invest just under 15% of my portfolio in this ETF.

Questions:

• How do you generally rate the idea of holding (re)insurers in your portfolio?
• How do you rate the relatively small number of companies in the ETF? Risk assessment?
• What do you think of the ETF? Can you explain why it has a fund volume of "only" 50 million, while, for example, the more than twice as expensive iShares STOXX Europe 600 Insurance UCITS ETF (DE) $EXH5 (-0.21%) has a fund volume of more than 450 million - even though both ETFs have almost identical growth?

Thank you in advance for your constructive feedback. And remember to drink enough water in this weather! 💧

@Dividenden_Monteur
@BamBamInvest
@DividendenAlpaka
@RenditeRudin

Source:

https://www.invesco.com/de/de/financial-products/etfs/invesco-stoxx-europe-600-optimised-insurance-ucits-etf-acc.html

Loan repaid ✅️

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Savings plans increased ✅️

Savings plans on the $VHYL (+0.11%)
$VUSA (+0.01%) and $EXH5 (-0.21%) increased.

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I sat down and picked my portfolio apart. I evaluated each stock & ETF. I took a close look at the performance and dividend yield of the individual stocks and rated them according to points. Based on this points plan, I selected 6 ETFs for the new portfolio.

From 22 ETF titles, only 6 ETFs remain. I have selected the following ETFs:

• $HMWO (-0.01%)
• 
  EUR 460.00 from the savings rate (approx. 82.14%)
• $AHYQ (+0.15%)
• 
  EUR 40.00 from the savings rate (approx. 7.14%)
• $FUSD (-0.06%)
• 
  EUR 40.00 from the savings rate (approx. 7.14 %)
• $EXH5 (-0.21%)
• 
  EUR 40.00 from the savings rate (approx. 7.14 %)
• $XIEE (-0.43%)
• 
  EUR 40.00 of the savings installment (approx. 7.14 %)
• $QYLE (-0.11%)
• 
  EUR 40.00 from the savings installment (approx. 7.14 %)

All shares remain in place and are saved through savings plans. Furthermore, I have decided to leave the remaining 16 ETFs in the portfolio, but not to save any more.

The allocation of the portfolio should consist of 70% ETFs and 30% individual shares. The savings installment is EUR 800.00 per month. EUR 240.00 will be invested in individual shares and EUR 560.00 in the above-mentioned ETFs.

What do you think?

Do you have any tips or ideas?

Of course, I hope I've found the right approach now. 🙈🙊

Hello dear Gequin Community,

I am currently working on restructuring my portfolio. Historically, I currently have a few funds and a number of individual shares.

I would like to switch the funds to ETFs and continue to save in them.

Classically, I would now select the following ETFs:

$VWCE (-0.01%) / $VHYL (+0.11%) and $VFEG (+0.26%)

Now my little thought experiment: Why should I limit myself to three ETFS when I could spread the whole thing much more widely? I have also thought about something like this (with smaller sums, of course):

$WELS (+0.04%)

$ECOG (+0.33%)

$EXH5 (-0.21%)

$CHIP (-0.92%)

$DFEN (-1.81%)

$XDWF (-0.32%)

$RBOT (-0.69%)

$XAIX (-0.61%)

$IH2O (+0.25%)

$WELW (+0.45%)

Of course I have a few duplications here, but I am much more differentiated.

Does this approach make sense in your eyes or is it a modest idea?