3Wk·

World Ex US + EM + Gold? 📊

A few days ago, I shared a post asking for your thoughts on my portfolio setup. At that time, it was roughly 65% US market.

However, with the recent uncertainty around potential tax changes for non-US investors, I’m really starting to have doubts.. 😅 Maybe it could still take months before we get any certainty, so I’m unsure whether it’s better to wait it out or just move forward.

What would you do in my situation? Would you go ahead and invest as planned? Or would you increase the allocation to a World ex-US ETF $WEXU (+0.83%)
$EXUS (+0.18%) (maybe 15–30%), plus 5% EM, 5% EM small cap, and 5% India — and temporarily park the remaining 55–70% in gold until there’s more clarity on US tax regulations? Or is that gold-heavy approach too risky and keep the money safely on the sidelines for now?

Any thoughts or alternatives are very welcome! 🙏🏼

2 Comments

Harald@Madhatter5566

3Wk

I am more or less 85% in gold and silver. Rest is a boring Portfolio of mainly Msci World and then smaller portions of Emerging markets, small cap and Eurostoxx 600 and an even smaller defense Etf.

Its nice to have only a few percent USA or any other country in the Mix, as overall politics doesnt make your Investments volatil as heck.

Would I try to activly sell positions? No. I would change my current tactics. Because i am lazy.

•

Federico@financer_658

2Wk

Honestly, I would opt for an allocation that is as equally weighted as possible, with controlled exposure to the American market.

10% gold (because it has a low correlation with the stock market)

10% $CSPX (or a low-cost U.S. ETF)

40% $XMME

40% $EXUS

With this allocation, you get a moderately low TER (Total Expense Ratio), cover a broad market with just a few ETFs, and avoid having a 60% U.S. overweight.

Honestly, the allocation can—and should—vary depending on the investor's needs and risk tolerance.

••