Paul · 2024-08-21T09:10:35.448178Z

Hallo 🙋🏼♂️, was ist eure Meinung zu dieser Portfolioaufteilung? bzw. Wie würdest ihr die 3 jeweils gewichten? $SPPW $HMEF $n/a

@PayPalPaul

5Mon·

Hello 🙋🏼‍♂️,

what is your opinion on this portfolio allocation?

or how would you weight the 3 in each case?

$SPPW (+0.37%)

$HMEF (+0.17%)

$n/a (+0.01%)

9 Comments

Banana M.@Banana_Millionaire

5Mon

World 70-90%
EM 10-30%
Europe unnecessary, as already represented in the World.

Personally, I would even go for 100% World.
Many companies generate their sales worldwide. I therefore consider weighting by region to be outdated.
But that's just my opinion.
Objectively speaking, the emerging markets should certainly not be neglected.

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Paul@PayPalPaul

5Mon

@Banana_Millionaire yes Europe to balance out the 70% USA share in the MSCI World

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Banana M.@Banana_Millionaire

5Mon

@PayPalPaul you need to know, but I see more Europe as a drag on returns.
You also have to remember that the world weighting is not set in stone.
It is weighted according to market capitalization.
In the unlikely event that Europe performs better again at some point, its share will also increase. Conversely, the American share will fall.

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Hebel-Horst@DoppelSchlechtMinus

5Mon

I do 80/20 Developed/Emerging as a middle ground between market cap and GDP weighting. Of the Developed only 70% in MSCI World and 10% in the Europe 600 I also find a good approach.
However, I wonder how you decided on these 3 ETFs. Aren't there any ETFs for all 3 indices that perform better after taking TER and TD into account?

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Paul@PayPalPaul

5Mon

@Dividensenmann Performance, diversification and clearly TER are quite the most favorable

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FamilyFinance@FamilyFinance

5Mon

@PayPalPaul For EM I would take the $EIMI. The one from HSBC doesn't perform that well. I also think the World from SPDR is the best. I can't say anything about the Europe ETF. If you want to make things easier for yourself, just take an ACWI or All-World. It will probably make almost no difference after a few decades.

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Alexander F.@Alex_DSZL95

5Mon

You can diversify here depending on your preference.

I would regard a 50-30-20 portfolio as a solid basis.
50 World, 30 Europe, 20 EM IMI

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Phipsl@philippklmr

5Mon

I think that's good. However, you don't have any smaller companies (smallcaps) in it. I would therefore take an EM IMI ETF instead of the emerging markets ETF, and replace the Europe ETF with a Europe smallcap ETF

For example: $XXSC
Or even better: $ZPRX (Since value stocks generally perform better over the longer term (especially with small caps).

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Phipsl@philippklmr

5Mon

@philippklmr and I would take 60/20/20 as the division

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