15H·

ETF allocation

$SPY5 (+1.53%)
$VWCG (+0.52%)
$EIMI (+0.78%)
$WSML (+1.07%)
$VJPB (+0.77%)
$CPXJ (-0.09%)

Which of the three allocations do you think is best for a monthly savings plan? Or would you do it completely differently? If so, how?

I'm 30 and have a long investment horizon.

I already have these ETFs as core and don't really want to sell, otherwise I'll have to pay a lot of tax.

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10 Comments

GerdaKommer🦛@_Hippo_

9H

ChatGPT is not a good advisor in such matters and often even delivers incorrect results. For example, votes, ISINs and ETFs are often not weighted at all. In any case, the weighting by market capitalization has been significantly deviated from here, which will inevitably lead to a return disadvantage in the long term. Perhaps a FTSE All World or an ACWI IMI, which hold a large number of shares from all over the world in relation to their market capitalization and regularly adjust this ratio, would be a better choice. You don't have to sell your existing ETFs, just invest new capital more efficiently. Alternatively, the following would also be conceivable: 50 % S&P500, 40 % MSCI World ex USA and 10 % EM IMI.

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Show answer

Rikzz

@Rikzz

1Wk·

Recommendation for third accumulating and distributing ETFs

I have just started looking into personal finance and would like to get your opinion.

I currently have two accumulating ETFs in my portfolio:

I save monthly in both with a long-term investment goal. I am now thinking about a third accumulating ETF to diversify more broadly - preferably without any major overlaps. I would also like to add a distributing ETF with a good dividend yield for some cash flow.

In your opinion:

Which accumulating ETF would be a good addition to IWDA + VWCG? Does it make sense to also include thematic or sector ETFs?

Do you have any recommendations for a solid, broadly diversified distributing ETF?

Many thanks in advance for your tips! 🙏

2Positions

2.60%

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5 Comments

DH I.@fund_whisperer_1682

1Wk

$TDIV

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Sebastian

@Sele-95

1Yr·

My portfolio reorganization towards individual stocks continues. Realize profit and einpacken👍🏼

02.05

Vanguard FTSE Developed Europe ETF A

Sold x71.17 at €43.66

€3,107.36

10.98%

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7 Comments

JM@jm_finance

1Yr

....I'm going the other way, back to ETFs 🙂🙋🏻‍♂️

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Maximilian

@Maxdepot

2Yr·

Hi guys,

As an ETF newbie, I want to start with a savings plan with 300€/month. For this, I will invest to ⅔ the $VWCE (+1.27%) and at ⅓ the $VWCG (+0.52%) savings plan.

My reasoning for this is that due to the $VWCG (+0.52%) the high share of the USA of the $VWCE (+1.27%) and thus get more Europe in.

Does this make sense from your point of view?

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14 Comments

Golden Boy@randomdude

2Yr

You can do it that way. There is no such thing as the "right" weighting anyway, and you only ever know what will bring the highest returns afterwards. But don't be blinded by the good European performance of the last 6 months or the extremely strong US market of the last 10 years. Historically, sometimes this market, sometimes that market - in terms of decades - has been ahead. Personally, I would go for a 1-ETF solution, because the regional shares are regularly readjusted according to the market capitalization.

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