3Yr·

After your last feedback I have revised my strategy for my long term portfolio (1000€/month via savings plans) and would like to ask for your feedback again.

Enclosed my key data:

- Core Satellite strategy with 65% MSCI World / EM (70/30 split) and 7 sector based ETFs with 5% each.

- List of ETFs and comparison to benchmark (MSCI World) in screenshot below.

- In total, the ETFs have 3122 positions and of these 92 are duplicated

- Regional breakdown 19% Europe, 52% America, 29% Asia

- Costs approx. 0.35% p.a.

- All accumulating, as 15+ years targeted

Do you see any blunders in the strategy or do you have any other suggestions for the satellites?

Thank you! $BURT39F
$EEM (-0.78%)
$IQQH (-1.11%)
$USPY (-0.98%)
$BATE (-1.75%)
$ROAI (-0.74%)
$BNXG (+0.03%)
$RIZF (-0.86%)
$ELCR (+0.2%)

16 Comments

Alphalex✖@StoneCo

3Yr

Would increase the Asia share to 50%. Many more people live there.

•

MK@MKLO

3Yr

@Intel what does one have to do with the other ^^?

••

Alphalex✖@StoneCo

3Yr

@MKLO and

•

Deleted User

3Yr

Comment was deleted

Alphalex✖@StoneCo

3Yr

@MelonUsk97 make a stop

••

six@six

3Yr

But of course you can do it this way

•

Cassius@DS0711

3Yr

That looks like a well thought out strategy, good luck. I hope your plan works

••

MK@MKLO

3Yr

@DS0711 Thank you, I hope so too, the savings plans will finally start at the end of the month :)

••

six@six

3Yr

Would be too many ETFs for me personally. I would probably go to a MSCI ACWI or FTSE All World instead of World+EM. In addition, then maybe max. 2-3 themes ETFs. Must just rebalance everything.

••

MK@MKLO

3Yr

@six what do you mean by rebalance? Regarding All world, had compared the days times and the returns were better with the combo World+EM in comparison

••

six@six

3Yr

@MKLO Well you should rebalance your ETFs 1x a year so that they have your percent weighting again. Either by selling and new run or adjust the savings plan rate. And that would be me with 7 ETFs Too much effort and cost. I initially wanted a portfolio on zick ETFs. Am then ultimately but fortunately only the FTSE All World. 70/30 has as far as I know a few years ago performed better than 90/10 (All World). My but if you only look at the last few years it looks different. Just depends on whether you want to weight according to GDP or market capitalization.

••

MK@MKLO

3Yr

@six yes, that's right, i would probably always buy more to balance it out and let the plans continue to run. regarding All world and World+EM i'll do another comparison at Morningstar to be on the safe side :) thank you!!!

•

six@six

3Yr

@MKLO maybe interesting for you: https://www.finanzwesir.com/blog/etf-index-rendite-vergleich

••

six@six

3Yr

@MKLO but is already a bit older (2015). Would have to see how far the EM have run. But if you look purely times this year, you would have done better with 100% MSCI World than with the ACWI (90% World + 10% EM). So the higher you set your EM share, the worse it would have run. Which is of course no indication for the future.

••

Deleted User

3Yr

Comment was deleted

MK@MKLO

3Yr

@LordJoeInvest I could reduce EM (rather more) and World (rather less) by 5% and add a Europe ETF. What do you think? Do you have recommendations?

••

View one more answer