Xtrackers MSCI World ETF

(Delayed) portfolio review October 2024 - A month with 5 share sales and one ETF sale

Even though October was just over two weeks ago, it feels like a different time. Germany still had an (unspeakable) traffic light government, in America the race for the White House was still open and a phone call between Scholz and Putin was unthinkable.

And even though November has been much more exciting on the stock market than October so far, October was a month of major changes from a personal perspective.

Apart from stock market investments, we are slowly starting to think about building a house. As a result, for the first time in a long time I made several sales in my portfolio and therefore also cleared out a little.

Previously this year, there were only 2 sales in my portfolio: at NVIDIA I took my stake out in February and since then have only let the profits run. In addition, in March I had Encavis after the takeover bid.

There were a total of 6 sales in October. For just under €7,000 I sold my China ETF which has recovered well over the last few months.

On the equity side, I have now sold most of the Corona Hype stocks and Match, Atlassian, Shopify and Block have been sold. In addition, I have also Pfizer sold. That was another €8,000, leaving only Sea from the Corona hype times, where I will remain invested for the time being, as it covers a completely different region geographically with Southeast Asia.

My savings quota will therefore be significantly reduced for the time being due to the upcoming house building project. From just under €1,500 to €2,000, it will only be €500-600 per month for the time being

Monthly view:

In total, October was +1,7%. This corresponds to price gains of ~5.000€.

The MSCI World (benchmark) was +0.9% and the S&P500 +1.5%

Winners & losers:

A look at the winners and losers is part of the usual picture:

On the winning side is, as so often NVIDIA is at the top with almost €3,000 in share price gains. It is followed by TSMC, Bitcoin, Alphabet and Palo Alto Networks with gains of €900-1,000 each.

On the loser side above all ASML made its contribution with price losses of almost €1,400. This was followed by Bechtle, Thermo Fisher, LVMH and Nike a broader mix of stocks that have not necessarily performed well recently. Nevertheless, all 5 loser stocks are still part of my savings plans.

The performance-neutral movements in October were just under €4,600. The sales proceeds are all still in cash accounts at the moment, so they have not yet flowed out of the assets. There will be a larger dip here at some point in the future.

Current year:

My performance in the current year is +27,5% and thus above my benchmark, the MSCI World with 23.7%.

In total, my portfolio currently stands at ~331.000€. This corresponds to an absolute growth of ~€79,000 in the current year 2023. ~53.000€ of this comes from price gains, ~3.000€ from dividends / interest and ~22.000€ from additional investments.

Dividend:

• Dividends in October were 32% above the previous year at ~€150
• TSMC is in the lead with a (gross) dividend of €30 every 3 months. TSMC has already raised the dividend for next year by 30% again
• In the current year, the dividends after 10 months are +25% over the first 9 months of 2023 at ~2.350€

Buys & sells:

• I bought in October for approx. 1.500€
• As always, my savings plans were executed:
• Blue chipsNovo Nordisk $NOVO B (-3.44%) LVMH $MC (-1.09%) Apple $AAPL (+0.2%) Home Depot $HD (+2.23%) Microsoft $MSFT (-0.06%) Nike $NKE (+1.7%) Starbucks $SBUX (+1.81%) Stryker $SYK (+1.19%) Texas Instruments $TXN (+0.38%)
• 
  GrowthCrowdstrike $CRWD (+3.12%) MercadoLibre $MELI (+0.94%)
• 
  ETFsMSCI World $XDWD (+0.44%) Nikkei 225 $XDJP (+0.61%) and the WisdomTree Global Quality Dividend Growth $GGRP (+0.39%)
• 
  Crypto: Bitcoin $BTC (+2.99%) and Ethereum $ETH (+7.07%)
• 
  Sales as mentioned, there were some in October with Match $MTCH (+1.34%) Pfizer $PFE (+0.15%) Block $SQ (+2.52%) Shopify $SHOP (+4.55%) Atlassian $TEAM Invesco MSCI China All-shares $MCHS (+0.03%)

Target 2024:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market development in the current year, my portfolio already stands at ~€331,000 at the end of October.

As of mid-November and thanks to the Trump rally, my portfolio is currently approaching €350,000 and was even slightly above this level a few days ago. However, with a larger cash portion that will sooner or later flow into financing as equity.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Hello everyone, my monthly savings installment currently flows equally into the following two ETFs:

$XDWD (+0.44%)

$TDIV (+0.45%)

What do you think of the ETF split? Would you include another one (e.g. on the S&P500, or India, etc.) and split the savings installment or leave everything as it is? Please give reasons;)

Depot review September 2024 - The first green September in my depot since 2019 📈

September is generally regarded as the worst month on the stock market, with a negative monthly performance more than 50% of the time. This is also consistent with my experience since 2013. In 11 years, it has been negative 6 times and positive 5 times. From 2020 to 2023, the last 4 years were all negative. However, September 2024 is now the first positive September since 2019, which means it is exactly 50/50 for me - 6 positive and 6 negative Septembers since 2013.

The Fed's interest rate turnaround and the stimulus in China have certainly contributed to the positive trend

Monthly view:

In total, September was +1,2%. This corresponds to price gains of ~3.600€.

The MSCI World (benchmark) was +1.0% and the S&P500 +1.3%

Winners & losers:

A look at the winners and losers is particularly exciting this month.

On the winning side at the very top are my China ETF with € +1,300 and is thus back in the green for the first time in a long time. The following winners are also a colorful mix with Meta, Bitcoin, Home Depot and Sea. Really a very broad mix with no clear tendency towards regions, sectors or the like

On the loser side in my portfolio in September were mainly pharmaceutical stocks. Novo Nordisk, Amgen and Johnson & Johnson. Even worse, with price losses of ~€700 each, were only Palo Alto Networks and ASML.

The performance-neutral movements in September were just under €4,500. The premium refund from my private health insurance also played a large part in this. In September, I received over €2,000 back for the year 2023, which was of course invested directly to compensate for any higher pension contributions.

Current year:

My performance in the current year is +20,4% and thus above my benchmark, the MSCI World with 17.2%.

In total, my portfolio currently stands at ~321.000€. This corresponds to an absolute growth of ~€69,000 in the current year 2023. ~49.000€ of this comes from price increases, ~2.800€ from dividends / interest and ~17.000€ from additional investments.

Dividend:

• Dividends in September were 23% above the previous year at ~€360
• Amgen is in the lead with a (gross) dividend of €50 every 3 months. But Johnson & Johnson with €45 is also a delight
• In the current year, the dividends after 9 months are +25% over the first 9 months of 2023 at ~2.210€

Buys & sells:

• I bought in September for approx. 3,500€. 2,100 of this came from the premium refund from my private health insurance and went into the WisdomTree Global Quality Dividend Growth
• As always, my savings plans were executed:
• Blue ChipsLockheed Martin $LMT (+1.71%) Republic Services $RSG (+0.74%) Thermo Fisher $TMO (-0.33%) ASML $ASML (+0.97%) MasterCard $MA (+1.29%) Deere $DE (+7.23%) Northrop Grumman $NOC (+0.83%) Itochu $8001 (-0.32%) Salesforce $CRM (+4.63%) Hermes $RMS (-0.24%) Constellation Software $CSU (+1.89%)
• 
  Growth: -
• ETFsMSCI World $XDWD (+0.44%) Nikkei 225 $XDJP (+0.61%) and the WisdomTree Global Quality Dividend Growth $GGRP (+0.39%)
• 
  Crypto: Bitcoin $BTC (+2.99%) and Ethereum $ETH (+7.07%)
• 
  Sales there were none in September

Target 2024:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market development in the current year, my portfolio currently stands at ~€321,000.

At the beginning of September, my portfolio was still quite a bit lower at €304,000 due to the weak start to the month. At this point, it was therefore quite a way off the previous high of €320,000 in June.

I have now reached a new high of €321,000 and am optimistic that I can still beat my year-end target of €300,000.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Simplify your portfolio?

Hi, I have been moving my main ETF from the $XDWD (+0.44%) to the $VWCE (+0.35%) MSCI.

As the market wasn't doing so well at the time, I decided to hold the MSCI for the time being until I get a bit more return.

Do you think I should let both run or should I switch the $XDWD (+0.44%) into the $VWCE (+0.35%) put it in the

Greetings and have a nice WE ❄️

Depot review August 2024 - calm before the (September) storm?

While September has lived up to its name so far (worst month on the stock market, negative in more than 50% of cases), August was a boring month in my portfolio. In keeping with the vacation season, my portfolio also shifted down a gear.

Monthly view:

In total, August was +0,5%. This corresponds to price losses of ~1.400€.

This was therefore unable to fully make up for the losses from the previous month of July (-2.2%).

Winners & losers:

There was therefore not much going on on the winners' and losers' side in August.

On the winning side are MercadoLibre and Palo Alto Networks at the top with ~€1,000 each. They are followed by Starbucks, Crowdstrike and Meta.

On the loser side are the crypto assets in my portfolio in August. Ethereum at the top with price losses of €1,500, Bitcoin in 3rd place with €900. Alphabet with ~€1,000 in price losses.

The performance-neutral movements in August were just under €4,000, after being somewhat lower in the previous months due to private issues.

However, only just under €1,400 of this went into shares, the rest is cash.

Current year:

My performance in the current year is +15,3% and thus still slightly above my benchmark, the MSCI World at 14.2%. Even if the gap is slowly narrowing.

In total, my portfolio currently stands at ~312.000€. This corresponds to an absolute growth of ~€60,000 in the current year 2023. ~44.000€ of this comes from price gains, ~2.400€ from dividends / interest and ~13.000€ from additional investments.

Dividend:

• Dividends in August were 24% above the previous year at ~€160
• Procter & Gamble is in the lead with almost €50 (gross) dividends every 3 months
• In the current year, dividends after 7 months are +24% over the first 8 months of 2023 at ~1.840€

Buys & sells:

• I bought in August for approx. 1.400€
• As always, my savings plans were executed:
• Blue chipsTSMC $TSM (-0.28%) S&P Global $SPGI (+1.78%) Procter & Gamble $PG (+1.38%) Johnson & Johnson $JNJ (+1.17%) Hershey $HSY (+1.19%) Caterpillar $CAT (+2.29%) Amgen $AMGN (-0.19%) Alphabet $GOOG (-5.85%) Alimentation Couche-Tard $ATD (+1.11%)
• 
  GrowthBechtle $BC8 (-0.8%) Synopsys $SNPS (+2.58%)
• 
  ETFsMSCI World $XDWD (+0.44%) Nikkei 225 $XDJP (+0.61%) and the WisdomTree Global Quality Dividend Growth $GGRP (+0.39%)
• 
  CryptoBitcoin $BTC (+2.99%) and Ethereum $ETH (+7.07%)
• 
  Sales there were none in August

Target 2024:

My goal for this year is to reach €300,000 in my portfolio. Due to the extremely positive market performance this year, my portfolio currently stands at ~€312,000.

However, after the first few days of trading in September, my portfolio only stands at €304,000. Compared to the level of €320,000 at the end of June, this is now a significant decline in total assets.

It therefore remains exciting to see how the share price will develop in the last third of the year. However, if we see a year-end rally after a weak September, I am optimistic about my target.

#dividends

#dividende

#rückblick

#depotupdate

#aktie

#stocks

#etfs

#crypto

#personalstrategy

Hello everyone. Here is my portfolio with absolute values.

What do you think? Any ideas? Suggestions for improvement?

This is what I had in mind when setting up the portfolio:

Strategy: 75% growth stocks. 25% dividend stocks (up to max. 2k/year).

For the dividend stocks, I have selected stocks in which I see good growth potential over the next 5-10 years:

• $D05 (+0.77%)
• $VICI (+1%) (interest rate turnaround?, and for diversification)
• $O (+0.49%) (Interest rate turnaround?, and for diversification)
• $BATS (+0.4%) (Yes, it's debatable, but compared to Altria or PM I see potential here)
• $KO (+1.1%) (Was my 1st stock and I just like it :D)

The growth stocks are I think self-explanatory, although I probably $BABA (-0.67%) and $1810 (+0.75%) will add a bit more to lower the EK.

Due to the strong performance of stocks like Amazon, MS and Goolge, I have favored them over the ETF for the last 3 years.

In the future I wanted to skim the profits and invest in the $XDWD (+0.44%) (70%) and the $TDIV (+0.45%) (30%). Currently, all other funds are flowing into this ETF + 10% of it into BTC.

Savings plan 500EUR /month:

$XDWD (+0.44%) 70%

$TDIV (+0.45%) 30%

Unfortunately, the total return is somewhat misrepresented as I no longer have the history since the portfolio transfer. All in all, I have deposited around 40-45k ;)

I am 31 and have been actively involved in the stock market for about 5 years. Before that I only played with sample portfolios and small amounts. The history is not shown here :P

Regards

P.

PS: AFC and European Lithium are reminders to myself ;)

MSCI World in $VWRL (+0.39%) rebalance?

Hello everyone,

I am considering (to reduce risk) switching my positions (approx. 900€) from the MSCI World $XDWD (+0.44%) into the FTSE All World $VWRL (+0.39%) to the FTSE All World.

Do you think this is worthwhile? $VWRL (+0.39%) The FTSE All World has significantly more positions but "only" about 10% less American weighting...

Would you just leave it as it is or switch to the All World?

Have a nice evening 📈

I compared 4 ETFs that track the world's most famous index : MSCI World

• Xtrackers MSCI World UCITS ETF $XDWD (+0.44%) o
• iShares Core MSCI World UCITS ETF $IWDA (+0.45%) o SWDA
• SPDR MSCI World UCITS ETF $SPPW (+0.43%) o SWRD
• Amundi MSCI World V UCITS ETF Acc $LCUW (+0.46%) o LCWD

• Xtrackers TER of 0.19% + 0.01 transaction =0.2%
• iShares with the TER 0.2% + 0% transaction = 2%
• SPDR with the TER 0.12% + 0% transaction = 0.12%
• Amundi with the TER 0.12% + 0.04 of transaction = 0.16%

Over 3 years they have returned

• SPDR 39.42%
• iShares 38.76%
• Xtrackers 38.72%
• Amundi 37.48%

The different costs can already be seen after only 3 years.

On paper the best looks like SPPW--what do you think ?

Compared to Amundi (the second cheapest) gained 2% over 3 years difference.

From 2019 the difference between the 2 increases by almost a 4% from 96.02% vs 92.69%

Another difference between the 2 is the mode of replication Sampling (Participations

1,449) vs Total Replication (Holdings 1,459).

I don't think 10 companies out of almost 1,500 make such a big difference in performance.

What do you think ?

Hello, I would like to start here with your feedback on my current portfolio. I am pursuing a long-term investment strategy with an investment horizon of at least 15 years. I have been invested since 02/2023.

The ETFs are used for broad market coverage and diversification, while the individual stocks cover targeted growth potential and specific sectors. Deliberately two-pronged with the ETFs with $XDWD (+0.44%) and $VUSA (+0.44%) as the S&P offers a good one percent higher price return and also the dividend. In addition, I deliberately increase the weighting with the S&P, especially for $MSFT (-0.06%)
$NVDA (-0.11%)
$AMZN (-1.86%)
$AAPL (+0.2%)
$GOOGL (-6.15%)
$META (-1.52%) a little more.

To the individual stocks:

$PLTR (+2.34%) and $IOS (+1.21%) are bets on the future and are currently at +15% and +82%. Apart from that, I also want to think about dividends now for later and risk as little as possible overall, as retirement is also less than 20 years away.

I plan to add 1-2 more individual stocks to my portfolio (max. 8 individual stocks). Allianz $ALV (+1.96%) is set, and I am also considering adding Veolia Environment $VIE (-0.29%) as well.

What do you think of this strategy and the additions? Do you have any other recommendations or comments?

Many thanks in advance!

Different TER (costs) for ETFs

Recently there was an interesting article here by @DonkeyInvestor. It was about restructuring his ETF portfolio. Specifically, about saving in alternative, new ETFs with lower management fees (TER). I made a note of that.

During my research, I noticed that prices are shown differently on different platforms. For example, various articles state that UBS has lowered its ETF prices everywhere.

The UBS ETF MSCI World UCITS ETF (USD) A-acc for example, is said to have annual costs of 0.10 % according to Onvista. In Trade Republic, however, the ETF is displayed with costs of 0.29%.

Does anyone know why this might be? Different markets? These are actually global products.

I am currently saving:

$XDWD (+0.44%) (TER 0.19%) -> Xtrackers

$IEMA (-0.19%) (TER 0.18%) -> iShars

$IPRV (+1.08%) (TER 0.75%) -> iShares

$XDEQ (+0.42%) (TER 0.25%) -> Xtrackers

$XDEV (+0.37%) (TER 0.25%) -> Xtrackers

Of course, there are not alternatives from other issuers for each of these products. $IPRV (+1.08%) is comparatively expensive, for example, but rather rare as a product.

Would be grateful for tips, on the one hand why a) the cost display is so different and b) which alternatives are cheaper.

And am I c) that if I decide to invest in new, cheaper ETFs, it is better to keep the old ones in my portfolio instead of switching them and (immediately) paying tax?

#etf
#etfkosten
#etfanalyse
#xtrackers
#ishares
#ubs
#getquin