4Mon·

Last savings plan execution

This was my last savings plan execution for$HMWO (+0.47%) and $HMEF (+2.31%) (not in the picture). The two positions together have reached the size of my $VWRL (+0.55%)-position and are therefore full.

In February, the first savings plan execution of $XDWL (+0.47%) and $XEMD (+1.94%). This will then take place once a month instead of twice a month.

The two smaller savings plans on $WHCS (+1.34%) and $WITS (+0.37%) will continue to run, but will also be changed from 2x per month to 1x per month (amount remains identical).

Why I am using several All World ETF / World + EM. Combinations, you can read here:

https://getqu.in/5DvtL7/

23.01

HSBC MSCI World ETF

Bought x61.28 at €38.56

€2,362.99

23 Comments

Uwe@SchlaubiSchlumpf

4Mon

Well, have fun with your pension with twelve etfs. Good that it feels like 2 new etfs are created every day. 😁

You're a bit right. When I think about how quickly unintentional taxable events arise without my own wishes (dissolution of the etf, cross-border merger or transfer), I've gotten used to the idea that I'll pay tax unintentionally at some point, even though I don't want to sell 😅 but I think it's even more likely with my more exotic etfs.

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PresidentDonkey@DonkeyInvestor

4Mon

@SchlaubiSchlumpf I would be very satisfied with twelve full ETFs.

In a way, I even increase the risk of one of them merging, for example. But the damage is of course less

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Julian@MoneyISnotREAL

4Mon

I started with the $VWRL back when I was doing my big restructuring. Then for a while only the $HMWO... I have now added EM in order to have global diversification. I now have the $HMWO and the $EIMI with a target of around 85/15.

As you say. I don't care about the dates of the distributions, because I calculate the average value over the year (from the previous year) and adjust the savings plans upwards accordingly at the beginning of the year. Autopilot mode 😏

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Julian@MoneyISnotREAL

4Mon

@MoneyISnotREAL @DonkeyInvestor What does "position full" mean to you? Is it a certain amount of money paid in per ETF / ETF combination, a weighting in the portfolio or a time factor (e.g. every 5 years)?

I have decided that the $HMWO (+ now EM) will be saved for 5 years, then I'll see what comes out of it 😂

Otherwise ... if I change the ETFs more quickly, a lot will accumulate in the portfolio 🫣Currently, I still have over 35 years of working life until I retire...☠️

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PresidentDonkey@DonkeyInvestor

4Mon

@MoneyISnotREAL is full when a certain amount has been paid in

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SGP@Koenigmidas

4Mon

Go little donkey go

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TotallyLost@TotallyLost

4Mon

Why are there no EMs? 🤓

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PresidentDonkey@DonkeyInvestor

4Mon

@TotallyLost I order separately, as I have written. Can only share one transaction per post

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TotallyLost@TotallyLost

4Mon

@DonkeyInvestor I'm asking because you somehow only have 2% EM, which would make me gasp and suspend all savings plans until the EM are at least at 15%. 😅

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PresidentDonkey@DonkeyInvestor

4Mon

@TotallyLost also have the $VWRL with a good EM share

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TotallyLost@TotallyLost

4Mon

@DonkeyInvestor He has 10% EM.
With a 25% portfolio share, that's a whole 2.5% 😘

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PresidentDonkey@DonkeyInvestor

4Mon

@TotallyLost + the one from $HMEF. That's quite a lot 🚀

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TotallyLost@TotallyLost

4Mon

@DonkeyInvestor it is now a matter of definition whether 5% is a whole lot. 😅

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PresidentDonkey@DonkeyInvestor

4Mon

@TotallyLost you still have to take the 30% Bitcoin into account. That doesn't leave much room for EM 😬.

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TotallyLost@TotallyLost

4Mon

@DonkeyInvestor if you have 70% shares and you have a total of 5% EM, then his EM share is also only 7.14% of your shareholding.
That's still an investment, which is not necessarily a bad thing.
But you should be aware of it.

If I were you, which fortunately I'm not 😜
Then I would at least double the weighting. 😘

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PresidentDonkey@DonkeyInvestor

4Mon

@TotallyLost Well, luckily you're not me. What would my portfolio look like then, please? Like yours?

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TotallyLost@TotallyLost

4Mon

@DonkeyInvestor A genius masters chaos. 😅

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