7Lun·

Hello everyone, my monthly savings installment currently flows equally into the following two ETFs:

What do you think of the ETF split? Would you include another one (e.g. on the S&P500, or India, etc.) and split the savings installment or leave everything as it is? Please give reasons;)

17 Comentarios

Kai@Dividenden-Sammler

7Lun

S&P500 doesn't really make much sense as you already have an MSCI World (would have too much duplication otherwise). What would make sense would be an EM ETF like your India ETF or a more broadly diversified EM. Or further diversification in equities would also be possible in the direction of small caps. In principle, however, the MSCI would also suffice if you want to do without EM.

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CrashBurner@Psychedelic_Sunflower

7Lun

Dividend ETFs tend to underperform. I would take it out.

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7Lun

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CrashBurner@Psychedelic_Sunflower

7Lun

@Cash-Flow-Cow What time period are we talking about?

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Kai@Dividenden-Sammler

7Lun

@Cash-Flow-Cow the Fidelity Global Quality Income $FGEQ by any chance? Would at least be more comparable to the other two than its US counterpart

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Kristian D.@KDH-Invest

7Lun

I would be heavier in the US, so I’d take out the all world and put in an S&P 500 ETF instead and then keep the TDIV as a diversification to other countries & sectors. S&P500 and All World together doesn’t make much sense to me as the largest holdings in both ETFs are the same, so I don’t think it gives the diversification I wish for.

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7Lun

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Phil@Pherror

7Lun

@Cash-Flow-Cow Thank you for the detailed explanation. I also considered using a similar allocation some time ago, but decided against it - for the time being. I'm 33 years old and working towards a passive income at 50 and didn't want to "reallocate" until I was around 45. I am currently following a 70% return focus 30% dividend focus strategy. I have also looked at the "WisdomTree Global Quality Dividend Growth". Can you recommend it? Why did you choose it?

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Phil@Pherror

7Lun

@Cash-Flow-Cow The ETF is actually quite good, and I have already toyed with the idea of replacing the $XDWD, but then decided against it because of the costs.

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7Lun

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Phil@Pherror

7Lun

@Cash-Flow-Cow Also true again. I've been toying with the idea of switching to the distributing version of $XDWD for some time now, but I'm not yet convinced whether it's worth it due to the lack of div growth focus.

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Luca@Tono

7Lun

@Cash-Flow-Cow What exactly makes it so bad from your point of view?

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7Lun

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Luca@Tono

7Lun

@Cash-Flow-Cow I agree with you, although the Wisdomtree and Fidelity are also heavily tech weighted and that's where most of the performance comes from. The Vanguard high div could possibly be included to keep tech somewhat lower.

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Luca@Tono

7Lun

@Cash-Flow-Cow I agree with you 👍
For example, I'm 100% in the VWRL and completely satisfied with it

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