HSBC MSCI World ETF

Hello dear Getquin Community,

I would be interested in your opinion on my Depo.

I currently add 1500€ to my portfolio every month, I save the stocks or cryptos where I see potential.

500€ goes into the ETF every month $HMWO (+0.03%)

In addition, I bought a property in August 2024 that I use as an investment and earn €500 in rent every month (loan is €367 per month)

I follow a dividend strategy because dividends totally motivate me 🤩

Where else do you see potential or sectors that I should look at?

I look forward to your feedback, and if you have any questions, please ask 😎

How much gravel do I have to put in the $IWDA (+0.04%) or $VWRL (+0.04%) or $VWCE (+0.04%) or $HMWO (+0.03%) to be able to retire early?

Here is a link where you can calculate and set your goals :)

https://www.parqet.com/rechner/

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Info: Haven't checked it for accuracy yet - if anyone reads this at all, competitors and all...

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Maybe also something for @KevinE and @Epi

Part I

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So far, the core of my portfolio has consisted of the MSCI World $HMWO (+0.03%) and has brought me around 26% price gains and a few distributions. However, comparisons and back tests have shown that the MSCI World is not the best choice for the portfolio.

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The satellites consisted mainly of shares in well-known, large and often safe companies. I have gradually changed this over the last few weeks and you could say that the portfolio is changing in the direction of growth stocks with significantly higher risk and return potential. Whether and how successful I will be here is not too important in principle, as I still have a solid core, but it is precisely this core that is in the dock today.

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After spending the last few weeks looking at my portfolio and getting a lot of positive input, information and tips here on Getquin.

I have found the following ETFs that could perhaps form a better core for my portfolio.

A) The best known first, the S&P 500 $IUSA (+0.04%) . If I were to start investing again today and did not know the following ETFs, I would opt for this one instead of the MSCI World.

B) The ETF mentioned by @Epi mentioned ETF, $WTEF (+0.03%) . A portfolio concept consisting of 60 % US equities + 40 % bonds. Almost like the ARERO 😜 $LU0360863863 (+0%) only much better. Because the performance so far has been very close to that of the S&P500. And I think that in turbulent stock market years, bonds will provide stability and returns. However, the fund is only one year old and so there is still little data available.

C) Then we have my favorites so far, 2 actively managed ETFs from JP Morgan.

One is the global variant $JRDG (+0.04%) including emerging markets. Here, undervalued companies are overweighted according to fundamental data. Since its launch in September 2021, this fund has returned 11.88% p.a.

And then the counterpart to the S&P500 $JRUD (+0.05%) the aim of this ETF is to outperform the S&P500 and to this end it also includes US equities that are not included in the index.

Since launch, December 2019, 16.5% p.a. has been achieved.

D) Then we have four dividend growth stocks. These have also beaten the MSCI World at times: $TDIV (+0.04%)
$FUSD (-0.1%)
$FGEQ (-0.06%)
$GGRP (+0.04%)

The $FUSD (-0.1%) with a return of 13.66% p.a. since its launch in March 2017.

E) The iShares Dow Jones Global Titans 50 $EXI2 (+0.04%) which has outperformed the S&P500 for many years and has realized 17.38% p.a. over the last 5 years, for example.

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I did some back testing to see how you could build a portfolio with these ETFs. However, most ETFs have not been around long enough to provide meaningful data. I also find the backtest very tedious as no perfect allocation is calculated or suggested, instead I have to work my way forward percentage by percentage. In short, I was not successful in backtesting.

I used these websites for the tests and comparison:

https://www.portfoliovisualizer.com/backtest-portfolio#analysisResults

https://curvo.eu/

https://extraetf.com/de/etf-comparison?products=IE0031442068-etf,IE000KF370H3-etf,IE000HFXP0D2-etf,IE00BJ06C044-etf,NL0011683594-etf,IE00BYXVGX24-etf,IE00BYXVGZ48-etf,IE00BZ56RN96-etf,DE0006289382-etf

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I would prefer to take them all and only buy the ones that are doing badly at the moment. But that wouldn't work because these ETFs overlap a lot and the correlation is therefore very high. ☹️

Perhaps the most dispensable would be the "dividend ETFs", $TDIV (+0.04%) and $GGRP (+0.04%) . These have some of the highest fees and the weakest performance. However, these are precisely the ETFs that overlap the least with the others. $TDIV (+0.04%) could pass as Europe (55%) share of the portfolio. If you want to take Europe into account. It would be interesting for me if one region is doing well and the other is doing badly, because I could then make counter-cyclical purchases.

If overlaps and correlations are very high and costs are similar. Then it wouldn't matter whether I have them all in small chunks or large shares of one or a few ETFs. The difference should then be marginal. 😅

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Should I really only choose one or a few? What am I missing out on? How do you find the right one(s)? Has anyone built a portfolio from these ETFs? How do you make the right decision?

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Part II

https://app.getquin.com/de/activity/HQueJcsExE

Multiple ETFs on the same index are always questioned here, but can make sense under certain conditions and financial planning.

The 3 times 10 rule is explained in the article (link below)

If we take this as an example, why not always invest an ETF not for 10 years but for a certain € amount (based on the purchase prices). So why not look for a new one every 10, 20 or 30 thousand euros?

Wouldn't that also make sense?

Well, when you retire it looks wild in the portfolio, but does this actually correspond exactly to this tactic?

What do you think? I do it exactly the same way with one share, for example: set a € limit and then build up the next positions.

Constructive or bullshit?

https://www.finanztip.de/daily/so-holst-du-28000eur-mehr-aus-deinem-etf-heraus/

$HMWO (+0.03%)
$SC0J (+0.04%)
$XDWL (+0.04%)
#msci

SC Depot savings plans:

• 1.300€ $VWRL (+0.04%)
• 
  400€ $WSML (+0.04%)

Savings plans TR Depot:

• 360€ $HMWO (+0.03%)
• 
  140€ $HMEF (-0.31%)

In the $XEON (+0.01%) is my "nest egg". The money is not invested but serves as a reserve for unplanned expenses.

My cash reserve is currently very high, so I don't yet know how to invest it. Immediately, in tranches, wait for a setback?

I am slowly building up my TR portfolio, as I want to spread my risk somewhat (portfolio provider, ETF provider)

Dividends will be reinvested and the depots will hopefully one day be my retirement provision.

Hello community.

As some of you have already noticed, the grandpa is very dividend-oriented and cash flow is the maxim. My portfolio with currently just under 250k consists of 64% equities, 21% Bund and US short-dated bonds, some ETFs, some bonus certificates and physical gold. As the majority of my income comes from interest, dividends and rental income, I have been able to live very well with my additional high cash holdings from overnight and fixed-term deposits. Slowly but surely, this comfortable time is coming to an end for a security-conscious old man and he is starting to rethink and restructure. I may be 60 and no longer have a long-term investment horizon, but I can still plan for the medium term of 5 to 10 years. 250k is still tied up for 1 to 4 years at good fixed deposit interest rates for me (3.8 to 4.5%) with an annual payout. Now ING has come across me and is offering 3.3% overnight money via an extra account for 6 months, which I'll take. The free custody account too. And that brings us to the topic. I put 150k in the call money account (yes, I know deposit protection) and set up savings plans on ETFs with 8k per month for the next 1.5 years.

Of course I can't get away from cash flow completely, but a little growth with a manageable sum can't hurt. The basic idea is 50% in the world, 20% in dividends, 10% emerging, 10% Europe and 10% Russel.

US should already be appropriately weighted, I am not directly invested in tech, this should improve via world ETFs and I would also like to consider the rest of the world and a few dividends.

I have made the following pre-selection (as I said, it's about 8K per month in the savings plan):

50% world, half of this in $XDWL (+0.04%) and the other half in$HMWO (+0.03%) . Both very similarly structured, TER ok, both distributing, but in different months.

20% dividend ETF, half of which is in $TDIV (+0.04%) and the other in $SEDY (-0.36%) The latter one-fifth in China, the risk is manageable, otherwise a bit of a watering can and overall a small US share in both, which I cover via direct investments as I said.

10% in $IMEU (-0.13%) which covers areas in which I have no exposure apart from $NOVO B (+0.05%) and $HSBA (+0%) I have no positions worth mentioning.

10% in $HMEF (-0.31%) China, yes over 20%, the rest is ok for me and also includes information technology and financial services, which are very underrepresented in my portfolio.

10% in $IWM (+0.2%) I am sticking to my US weighting and speculating on further effects from future interest rate cuts, even if some of this has already been priced in.

Finally, I would like to point out that I am not interested in the decimal place of the TER.

Overnight money will yield significantly less in the near future, growth does not harm my investment strategy, but it does not have to be the maximum return that can be achieved.

Putting everything into dividend stocks is suboptimal, so why not go "relatively risk-reduced" into ETFs in the medium term with part of my money.

Please give me your valued opinion on the approach and the chosen stocks, thanks for reading and have a sunny weekend.

Your dividend topi

Still a good time to take the money out into the world.

Small unscheduled increase in the base

Fear and Gear:

https://www.cnn.com/markets/fear-and-greed

$VWRL (+0.04%) or $HMWO (+0.03%) what would you recommend?

My portfolio is down 5 digits today. That's great. I'm up 5 digits $HMWO (+0.03%)
$HMEF (-0.31%)
$WITS (+0.03%) and $WHCS (+0.02%) bought more. What about you?