TwoEyed · 2024-06-13T09:53:29.180189Z

Aloha Zusammen, ich erbitte um etwas Schwarm Intelligenz Ich möchte aktuell die ETFs in meinem Depot optimieren. Ziel ist es langfristig Vermögen aufzubauen. Ich würde ja mein Depot roasten lassen, GetQuinn lässt allerdings noch keine Flatex AT Integration zu :( Aktuell bespare ich: $ACWI (260€) $XMME (140€) $XDWT (300€) $ISPA (300€) Die ersten beiden sind meine Art des 70/30 World/ EM, mit leichtem Klumpenrisiko in Schwellenländern $XDWT nutze ich primär als Vermögensaufbau durch Tech-Aktien weils die Branche ist mit der ich mich am besten auskenne. Auch hier Klumpenrisiko mit $ACWI $ISPA weil lecker Dividenden. Wie ist eure Meinung dazu?

@TwoEyed

7Mon·

Aloha together,

I would like to ask for some swarm intelligence

I would currently like to optimize the ETFs in my portfolio. The aim is to build up assets in the long term.

I would like to have my portfolio roasted, but GetQuinn does not yet allow Flatex AT integration :(

I am currently saving:

$ACWI (260€)

$XMME (-0.05%) (140€)

$XDWT (+0.88%) (300€)

$ISPA (-0.38%) (300€)

The first two are my kind of 70/30 World/ EM, with a slight cluster risk in emerging markets

$XDWT (+0.88%) I primarily use tech stocks to build wealth because it's the sector I know best. Here, too, cluster risk with $ACWI

$ISPA (-0.38%) because the dividends are tasty.

What is your opinion on this?

22 Comments

Epi@Epi

7Mon

You want to build up long-term assets, but only have one of four ETFs "primarily for asset accumulation"? Then why the others?

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TwoEyed@TwoEyed

7Mon

@Epi true, they all serve to build up assets, of course

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Epi@Epi

7Mon

@TwoEyed Well, is your choice really for asset accumulation? It's as if you have a fleet of vehicles consisting of a VW Golf, a bicycle, a Ferrari and a tractor and say that the fleet is used to transport people. Somehow it works, but it looks inefficient and funny. 😉

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Aktienmasseur@Aktienmasseur

7Mon

@Epi Maybe it's a cargo bike?😂

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TwoEyed@TwoEyed

7Mon

@Epi as they say, it has grown historically. That's why I need a bit of a 3rd opinion ^^

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Epi@Epi

7Mon

@TwoEyed As I said: for your purpose, your portfolio looks a bit inefficient and funny. Just my 3rd opinion. 👍

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TwoEyed@TwoEyed

7Mon

@Epi that's why we optimize.

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Epi@Epi

7Mon

@TwoEyed That's a good idea. 👍

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TwoEyed@TwoEyed

7Mon

@Epi May I ask how you would do it?

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Epi@Epi

7Mon

@TwoEyed Sure, you can ask. 😉

I don't know if I can give you an answer you'll like.
Just this much: ACWI has a long-term return of approx. 7%pa with 60% max drawdown. That's less return and more risk than an MSCI World or an S&P500. The reasons are systematic (inefficient EM state-owned companies).
You double the problem of the ACWI with your MK-weighted EM ETF.
Sector ETFs almost always underperform the benchmark index in the long term because they are highly cyclical. Without an active strategy, this will not work.
Dividend ETFs only bring disadvantages in the savings phase. The dividends systematically do not compensate for the underperformance.

A positive recommendation is difficult because you have given too little information about yourself. My blanket recommendation for passive savings plan investors with a >20-year horizon and increased risk tolerance has not appealed to anyone so far:
50% MSCIWorld, 25% gold, 25% BTC.

Personally, I prefer to invest actively via GTAA. This means I also diversify the asset classes over time. This makes me independent of stock market phases. However, this does not correspond to the current mainstream.

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TwoEyed@TwoEyed

7Mon

@Epi I like every (constructive) answer 😉
The EM weighting is a thorn in my side. I had the $XDWT as my MSCI World for a long time. It did deliver a solid 500% return, but 99% tech stocks are definitely high-risk. That's why I added the ACWI at some point to get a bit more exposure to other sectors

With the dividend ETF, I now also tend to stop investing for the time being.

I feel 50% MSCI World + 25% gold, I'm no longer interested in BTC or crypto in general, so a lower weighting would make sense for me

GTAA is nothing for me personally. There are always phases where I am inactive. I don't think it will work out.

But thanks for the opinion. Very cool to hear something new 💪🏼

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View all 3 further answers

Testo-Investor@Testo-Investor

7Mon

Acwi 500€ pure adjust rest. 100/200/200

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TwoEyed@TwoEyed

7Mon

@Testo-Investor okay, why exactly the weighting?

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Testo-Investor@Testo-Investor

7Mon

@TwoEyed because they are all just admixtures and far too concentrated... except for the em, which are great! The acwi should be the basis. The rest serves as a small yield bucket, although I personally don't think much of div ETFs because performance is often much worse than a normal world ETF.

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TwoEyed@TwoEyed

7Mon

@Testo-Investor understand. Thanks for the feedback.

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Aktienmasseur@Aktienmasseur

7Mon

FULL Power ACWI

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TwoEyed@TwoEyed

7Mon

@Aktienmasseur I've been toying with the idea for a while now.