Very interesting contribution. Will definitely rethink my strategy! Do you have an opinion on $EXSH or $TDIV? Would both m.M.n in terms of performance and dividend growth also an option. Are now considering in addition to $VWRL and $GGRP both of the above-mentioned to besparen. Just do not know whether it makes sense to continue with 4 ETFs 😅... Would appreciate an opinion.
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@SimonDK_92 $EXSH has actually fallen since its launch 😅. That should be a no-brainer not to invest in it. The $TDIV looks better in terms of historical data. However, it has only been around for a few years. I.e. here it is even more risky to infer the future from the past than with those that have been around for at least > 10 years. Would keep my hands off both. Why accept poorer diversification, historically lower returns, higher TER, higher complexity (as multiple ETFs) and higher risk due to lack of historical data?
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•@DonkeyInvestor incl dividend $EXSH has increased by 3.41% p.a. since inception. Since the beginning of May 2005 +82.99% (just by the distributions), if I look correctly 😃 But clearly the $TDIV looks better. Thought I take another European ETF on, because the other two $VWRL and $GGRP are just very strongly weighted USA. I'm still working on my direction, after I sold everything during Corona 🤦♂️ Only at the end of 2022 re-entered. And build up since then the depot.
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@DonkeyInvestor thank you for your feedback 😊
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•@SimonDK_92 yes, that is correct. I meant the share price loss. It is still a catastrophic performance 😅. The $TDIV is also still worse than the $VWRL. And taxes were also not taken into account in the distributions 😉 Had concerns earlier because of the high USA weighting. Realistically, however, the large U.S. companies are global companies that have their headquarters in the U.S. due to favorable conditions (laws, culture, ...), but make sales worldwide. If one becomes aware of this, a high USA share is no longer so bad. And should that change, the $VWRL will automatically shift for you 😊 When investing in Europe, you should also keep in mind that you very likely live in Europe, work there and possibly even own a property. So you are already "invested" knee-deep in Europe / Germany through your income alone. Every Europe ETF increases your cluster risk in this respect.
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•@DonkeyInvestor That is indeed an interesting thought regarding world companies and automatic reassessment. just read your post on the subject of "individual shares and I" 😁 I feel the same way! Last year I had a new generation and I don't want to spend every day with shares besides work and hobbies and think about whether my stock selection is the right one. I will switch my ETFs to the $VWRL (I already have it but as Acc; but since I otherwise pay attention to dividends with my individual stocks, I will also switch to the distributing variant) and otherwise mix in individual stocks of which I am convinced. All the best to the family and especially to the new generation! 😁
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•@SimonDK_92 sounds like a good plan. I wish us both much success with it. And you + family of course all the best!
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