3Wk·

Which world ETF? Savings plan change?

Hi, I'm in an "ETF conflict" 😅 I've been saving in three ETFs for some time now: $EIMI (+0.28%) and the distributing $VHYL (-0.45%) .

However, the largest of the three ETF positions is by far the $IWDA (+0.15%) - somehow I've not been so happy with it for a while now and I'm wondering whether it makes sense to move everything from this ETF into the $VWRL (+0.1%) or simply move the savings amount into the $VWRL (+0.1%) from now on...or just stick with the $IWDA (+0.15%) because it won't make much difference in the end? 🤔

6 Comments

Paulchen@Divident_e

3Wk

Do not sell. If you do, just leave it and start the savings plan on the other ETF

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Zerax@Zerax

3Wk

$IWDA + $EIMI or $VWRL is basically the same except that you can adjust the EM weighting yourself in your current variant with IWDA+EIMI and with VWRL this happens automatically. To be honest, I don't see any great added value here, except that the VWRL as an all-in-one solution is somewhat easier to save in a savings plan and rebalancing is no longer necessary. I would leave it as it is and not sell or rebalance anything.

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Börse_nach_Bauchgefühl@Boerse_nach_Bauchgefuehl

3Wk

@Zerax Thank you for your opinion.

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Alex@AlexBloch

3Wk

@Zerax @Boerse_nach_Bauchgefuehl In the all-world variants, emerging markets are unfortunately only represented at 10%, in line with market capitalization. But we have seen in recent months how EM IMI can outperform the S&P500. It is therefore an ideal addition to reduce the overall volatility of your portfolio and stabilize the average return!

America is on the decline, even if it still dominates the weighting of ETFs and portfolios. Thanks to Trump. And his successors are already in place. So it won't be over in 3 years that he is constantly shocking and damaging the global economy with his ill-considered actions, only in favor of "America first", which should actually mean: "Americas government and richest people first"!

-> I would always keep EM IMI separate in the portfolio, at least. 20% weighting.
(And rather take out the dividend ETFs, unless you need them to utilize your savings allowance. Because dividends ALWAYS reduce the price of the ETFs by the same amount, so it's a zero-sum game...)

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Vincent@VincP3

3Wk

Why are you not satisfied with the $IWDA?

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Börse_nach_Bauchgefühl@Boerse_nach_Bauchgefuehl

2Wk

@VincP3 I really can't say exactly why it "annoys" me. It's just a feeling that's been there for a while. 😅😂 So I've been thinking about whether it might be easier for me to drive if I only use the $VWRL instead of the $IWDA + $EIMI

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