16H·

Anlage Blickwinkel - Heritage

Dear Community,

I have a 300k securities account with 50% shares, divided between $AAPL (-1.16%)
$ALV (+0.86%)
$AMZN (+0.63%)
$NOVO B (+1.86%) and some $VOW (+3.51%) the other 50% in ETFs, split between $CSPX (+0.31%)
$EXUS (+0.8%)
$NADQ (+0.25%) and something $DE000LS9U6W1 (+0.48%) ...

A strong US (tech) focus is desirable. Not because I believe that the USA does a lot of things right, but shareholder & shareholder value primarily have an influence on entrepreneurship in the USA, ok and the Mag7++ have a top position in other ETFs anyway.

I use the MSCI EX USA to shift the focus away from/to the USA as required.

I have built up this status quo over the last 2 years, after having a lot of individual stocks in the years before and following the "greed eats brains" strategy with some losses (see other post).

Now I would like to read your opinion or collect a few points of view, knowing that there is not THE right one. In the near future I will receive an inheritance of around 400,000 euros. Now I am torn. No, I don't really know what to do. My reflex was "keep going and split up if you're happy with the above strategy/allocation", but perhaps more asset classes could be included with this sum .... and/or more focus on crypto, or more diversification or or or or .... Or everything on GTAA , @Epi :-D hehe - What do you think?

PS: I am 58, IT manager, EFH paid for, 2 children, studies feddich. Controlled build-up with withdrawal plan start in about 5 years. Shift from 50% individual stocks to 75% ETF planned in 2025.

4 Comments

Patrick@Pazi3

15H

the moment when, in addition to crypto and diversification, you are simply called personally😂

I can already see that @Epi is building its own fanboy community 💪🏼

#EpiForPresident

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Epi@Epi

@Pazi3 Haha! Most fanboys are probably following the yield of 3xGTAA. Three months of drawdown and I want to see who's left. 😅

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Epi@Epi

Everything on 3xGTAA is certainly not an optimal strategy, at least not if "everything" is a big pile with 58. 😅

If you want to start saving in 5 years, it might be wise to choose a strategy that allows the highest possible withdrawal rate. This in turn depends on the expected return and volatility of the portfolio. The higher the return and lower the volatility, the higher the withdrawal rate. A strategy that lowers volatility without missing out on returns is therefore an obvious choice.
There are various approaches to this, e.g. a portfolio with asset classes that are as uncorrelated as possible, or a simple momentum strategy such as SMA200, SPYTIPS, Faber's Ivy Portfolio (=defensive GTAA).
In the end, diversification across different strategies that are as uncorrelated as possible is probably the safest way to reduce vola.
E.g. 25% B&H equities, 25% B&H ETFs, 25% SPYTIPS, 25% Ivy Portfolio. (10% 3xGTAA as a booster might also work 😉).

Good luck!

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RandomDude@randomdude

38Min

Do you know finanzen-erklaert.de? It's a very good blog with highly interesting case studies that revolve around your topic. The author also offers individual advice - I would definitely consider this for the amount you will be managing in the future.
It might make sense to determine the withdrawal rate precisely so that you can divide up your assets: Into the low-risk managed part (e.g. with GTAA etc.), which provides your pension contribution with little volatility, and into the more offensive part, which you don't necessarily have to rely on. I have a similar plan.

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