iShares MSCI EM ETF Forum

Hello everyone,

I'm from Spain and I'm following a dividend investment strategy as I want to take advantage of the relatively low tax burden of only 19% on dividends in Spain. My portfolio is a combination of ETFs and individual stocks, trying to find a balance between growth and high dividends, as well as between developed and emerging markets.

First, an overview of my ETFs, which I can divide into two categories:

• Emerging Markets:
• $IEEM (-0.25%)
  iShares MSCI EM ETF: Growth-oriented (Growth)
• $HDEM (+0.03%) Invesco FTSE EM High Dividend Low Volatility ETF: High dividend yield (High Yield)

• Developed Markets:
• $ISPA (+0.28%)
  iShares STOXX Global Select Dividend 100: High dividend yield (High Yield)
• $GGRP (-0.06%)
  WisdomTree Global Quality Div Growth: Growth-oriented (Growth)

These ETFs cover different regions and strategies: some focus on dividend growth, while others target high dividend yields. I also have positions in both emerging and developed markets.

My individual stocks:

• $O (-1.18%)
  Realty Income because it is the typical dividend stock that almost everyone has and it is known for stable monthly distributions.
• $EOG (-0.39%)
  Resources I like because of its strong ability to grow dividends and solid growth potential in the energy sector.
• $CB (+0.37%)
  Chubb Limited I have included in my portfolio because Warren Buffet has invested in them. They also offer good dividend growth and have strong upside potential.

I would be very interested to hear your thoughts: Do you think this strategy has potential for success in the long term? Are there areas where I might need to diversify or consider a different approach?

Thanks in advance for your opinions!

This text was created with the help of artificial intelligence, as I am not a native speaker of German.

Hello dear community,

today I would like to ask you for feedback on my portfolio.

Briefly about me, I am just in my early 30s and started investing after my studies in 2019. After my apprenticeship and a short time as an employee, I successfully completed my studies, which I paid for with jobs during the semester break. As traveling, living and self-financing were very important to me during my student days, I had exactly €0 in my account at the start of my second working life.

I then started investing smaller amounts in 2019. Money has been flowing into my account really regularly since 2021. During my time as an investor, I made a lot of mistakes, sold too early at the beginning, then bought Canadian penny stocks with my roommate, but fortunately only in moderation. I am not pursuing a pure growth or dividend strategy, but would like to have a balanced portfolio mix. My investment horizon will be until I retire, so I will have a few years left, around 30-35. As I earn relatively well, my savings rate is around €1000 per month, which is divided between ETFs and individual share savings plans. To all those who don't like savings plans in individual shares - for me they are a good tool and I don't regret it. I also make individual purchases from time to time.

About my stocks. Many of you will no doubt mention the duplications in my portfolio. First of all, I would like to talk about the world ETFs. Initially, I had an MSCI World $AHYQ (-0.03%) and additionally a $IEEM (-0.25%) . I have kept these in my portfolio, but now I am saving the $VWRL (-0.05%) instead, as I have found it to be better for me personally and it still covers a small proportion of EM. As I am an employee of a large company, this stock is relatively well represented in my portfolio due to an employee share program and will continue to grow.

I am currently considering $META (-0.09%) , $AMZN (-0.97%) , $MSFT (+0.23%) and $AAPL (+0.54%) selling my individual shares one by one and investing the capital in $VWRL (-0.05%) (taxes then become a nasty issue). I would collect these again in another market situation and then possibly sell them again. There are also other duplications here, such as $MUV2 (+0.61%) , $ALV (-0.09%) or $KO (-0.79%) , $PEP (+0.64%) or $MO (+0.29%) , $BATS (+0.81%) , etc. My idea behind this is to avoid a cluster risk.

In future, I would like to increase my holding in $VWRL (-0.05%) and expand the individual shares with smaller amounts. If there are favorable opportunities for individual shares, I may take them. However, I don't really want to increase my number of positions significantly. Why don't I invest in an accumulating world ETF? Quite simply - I dream of being able to retire earlier and live off my dividends. I don't know if I can achieve this and would be more likely to do so with an accumulating one --> maybe, but I just feel comfortable with my few dividends at the moment.

In addition to my custody account, I currently have a small 5-digit amount in Trade Republic, which earns 4% interest. Maybe it will turn into a small property. As long as I have the 4 or 3.75%, I'm happy with it for now.

I'm actually very happy with my portfolio performance, although it could have been better if I hadn't made any mistakes at the start. I am reinvesting all my dividends and would like to break the magic 100,000 portfolio value next year.

I hope I haven't forgotten anything important, otherwise just ask me about it.

AND I am happy to receive tips, suggestions and angry comments as to why I don't have an accumulating ETF :)

Thank you.

Small, but one of my favorite portfolios!

This one has been around since 2019 and has a special statement in it!

Anyone who has known me for a while and has been following me since 2019 will already be familiar with this portfolio. I opened it with a broker in November 2019 to produce content. In this update, I'll be happy to tell you what content and what's so special about €3,650.

I'm sure you've all heard it before from family members, close acquaintances or friends: "I have no money" or "I have no time for the stock market"! But is that really the case? Do you need a lot of time and a lot of money for the stock market? That's exactly what I want to question with this portfolio. I opened a portfolio with a broker in November 2019 and opted for the most favorable option, a 60/40 split of 2 ETFs. At that time, savings plans still required at least €25. So I put 35€ in the $IWDA (-0.03%) MSCI World and €25 in the $IEEM (-0.25%) MSCI EMI chose! In addition, I had a 100€ bonus from the broker, which I invested in $DIS Walt Disney (EK 85€).

So, what time and money did I need here? I set up the savings plans once in the broker and made a standing order from my account. That was it. I could also imagine that 60€ per monthwould hurt very few people. So this could also be a portfolio for a single mother, or someone who doesn't earn too much but still wants to fulfill something at some point.

That's all the time and money that went into this portfolio.

Unfortunately, I'm still some way off the target of 6-7% p.a., but the portfolio is still young. It should run for exactly 30 years. I created it when I was 36 and I want it to run until 66. Disney had two difficult years and the EM ETF has not yet been able to develop its strength. At the time, however, I deliberately opted for the higher risk and a 60/40 split instead of the standard 70/30, as I still see a lot of potential in the emerging markets due to the long term! The dividends in 2024 are now already just under €30 per year, as I chose a distributing EM at the time. The plan is to add another ETF at some point, which will then only be paid from the dividend. Perhaps from the 10th year onwards.

This is neither my main portfolio nor my retirement provision, but just a project. Whenever someone tells me again that they have no time and no money, I take my cell phone out of my pocket, log into this broker and show them exactly this portfolio. Which is still possible with little effort and little money.

Would you advise someone with little money to invest in a portfolio like this (perhaps €50 - €60 in an All World ETF instead of this variant), or would you rather advise them not to do it at all?

In the attached picture, you can see the possible return if we settle somewhere around 7% p.a. at some point and make up for the weak years 2022 and 2023. At 66, you can certainly make very good use of that. I'll be updating this portfolio from time to time. There will be a detailed post on Instagram on Sunday. I have the portfolio here at getquin, but it is hidden and not integrated into the "Aggregated". As I said, it's a separate project for me!

With this in mind, best regards from the Baltic coast

Hello

I would like to have your opinion. I have monthly 500€

at my disposal would like to $IEEM (-0.25%) with 30% savings$IWDA (-0.03%) IE00B4L5Y983 with 70%.

Savings plan