What is your opinion on the $EXUS (-0,61 %) with a $VWCE (-0,92 %) mixed?

Dear community,

I have been a member of getquin for almost 2 months now and I am thrilled with how lively the discussions and contributions are. Thanks to everyone who takes the time to research certain topics and share their knowledge.

I would like to take the opportunity to briefly introduce my portfolio and share my thoughts for 2025.

I have been managing my own investments for 10 years now. I started with ETFs and got into cryptos in 2017 (and got out again after the FTX bankruptcy and the Terra Luna crash). And for a few years now I've also been trading shares and now also real assets (I'm currently testing Timeless). Over the years, I have been able to expand my portfolio.

Due to my family responsibilities, my monthly fixed savings rate is currently €500. I also park monthly surpluses in my call money account and invest them when I see an opportunity. I need a certain amount of cash as we are still renovating and therefore simply need some cash...

My goal is to have at least €500,000 in 10 years so that I can pay off the existing loans on our house. So I would need to generate an annual return of 15%...

Over time, I've built up quite a mix of shares. My credo so far has been not to invest more than €1000 per share (although there have been exceptions) and a stop-loss at 20% below the purchase price. I haven't decided when the best time to sell is and I still don't know which strategy is best for me. I would therefore describe myself more as a hodler...

Now to my plans for 2025.

- I will change the fixed value per share of €1000 and increase it to €5000.

- The stop loss remains in place.

- Keep savings rates at €500 for the time being.

- Reduce the number of shares

- Focus on growth

What could a savings plan look like that I would continue for the next few years?

One point that bothers me is the high proportion of US equities in the global ETFs (cluster risk) - even though this is where most returns have been made historically...

Hence my consideration:

- Save in an ETF with a lower or no USA share (I currently have the following in my portfolio $GERD (-1,1 %) where the USA share is only 50% - unfortunately quite expensive with TER 0.5%; or a new start with a $EXUS (-0,61 %) ) (share: 40%)

- Saving $MEUD (+0,15 %) (20 %), $FLXI (-0,55 %) (20%), $WSML (-1,32 %) (20%)

- S&P500 or MSCI USA via the 2xSPYTIPS of @Epi (via single payments)

- In addition $BTC (+0,76 %) Savings plan of 40€ / week from existing USDC holdings (LTC sales from December) Note: Crypto portfolio cannot be fully mapped in Getquin as the EARN Binance Wallet is not displayed.

What do you think? Does that make sense?

As a next step, am I considering divesting from stocks?

From $OBDC (+0 %) I would probably divest myself, possibly also $CSCO (-0,55 %) . Can you think of any other shares or ETFs that would make sense to sell due to low growth prospects? I would then invest the free money in 3xGtaaa and shares like $ASML (-0,72 %) , $NVDA (-3,63 %) ...

Overall, I'm still not sure whether my strategy is quite right. Do you have any ideas, suggestions or comments? I would be grateful for any advice.

Thank you and best regards

I have been investing since 2023 and have sporadic savings plans from $IWDA, $AVGO and in a $VUAG. I reorganized my portfolio at the beginning of 2024 and unfortunately made the mistake of having savings plans in three actually identical ETFs (MSCI World, S&P 500 and a FTSE All-World). I sold the Vanguard FTSE All-World in December 2024 with a 10 percent profit and invested the money in a FTSE All-World High Dividend.

Over the course of 2024, I added several individual stocks such as Rheinmetall, DHL Group, Allianz, TUI, etc.

I also tried my hand at trading derivatives, but that went wrong and I want to say goodbye to the derivatives in my portfolio in the near future. I would like to sell several individual stocks, such as Geely Auto and TUI.

The following savings plans are currently running:

150 € $IWDA (-1,03 %)

30€ $VHYL (-0,58 %)

30€ $HEMC (+0,28 %)

30€ $EXUS (-0,61 %)

25€ Alphabet (A)

10€ Allianz, Broadcom, Siemens Energy, MasterCard, McDonalds, Altria, Realty Income, PepsiCo, NovoNordisk,

15€ Bitcoin

I am aware that I have very little experience and have made a lot of mistakes and am certainly not pursuing an optimal strategy at the moment. How do you rate my portfolio and do you have any suggestions for improvement?

Overall, it can be said that managed funds underperform index ETFs after fees over longer periods, although there are always exceptions. One of these exceptions is the $DE0008491051 (-0,21 %) UniGlobal. The secret behind it? The fund works with a slight leverage, which results in outperformance. However, the fund's allocation is almost the same as the MSCI World, which is why you should ask yourself whether you can replicate the UniGlobal with lower fees.

That's exactly what I thought and built the following with the help of 3 ETFs:

• 25% $CL2 (-2,59 %) (2x MSCI USA)
• 36,5% $SC0H (-1,2 %) (MSCI USA)
• 38,5% $EXUS (-0,61 %) (MSCI ex USA)

This allocation allows you to invest in the MSCI World with a leverage of 1.25x, with a weighted TER of approx. 0.18%. An emerging markets ETF could also be used to replicate the MSCI ACWI.

I have been using the strategy for a few months now for my ETF share, and the performance is also almost 1.25x the MSCI World performance. However, the disadvantages of the strategy are that you have to rebalance more often, as the MSCI USA share quickly becomes too large/too small due to the leverage, and the desired ratio cannot usually be achieved by new investments alone.

Overall, however, I am satisfied and now handle it in such a way that I leave the leverage between 1.2 and 1.4 and only intervene by selling when these limits are exceeded/fallen short of and otherwise only strengthen the underweighted region through savings plans. In general, however, I would like to see an ETF provider decide to launch a 1.25% MSCI World as a separate ETF product so that I can save myself the trouble of rebalancing.

Hi, I have a question about my ETFs. In order to wait for the election in the USA and see what happens there, I have invested some of my money in the $EXUS (-0,61 %) invested. At the same time, I also have the $EIMI (+0,06 %) and the $SPPW (-0,53 %) .

This has given me sufficient diversification. But ! The $EIMI (+0,06 %) is bobbing around at around 2-3 %, whereas the ETF World is logically at around 13 %. With the $EXUS (-0,61 %) you have to wait and see. I am aware that the emerging market is currently on hold and that the countries all have their problems.

Would you reallocate or wait and see, because time is money !!!

Thank you and have a nice Christmas.......

Investment decision

Reading time approx. 1-2min.

Hello everyone. I'm facing an investment decision that is "bigger" by my standards (bank clerk trainee).

As I already posted a few days ago, I have opened or set up a new savings plan which I am saving €250 per month.

For those who may not yet be familiar with my savings plan, here are the details again:

Individual shares:

$GOOGL (-2,28 %) - 25€

$AMZN (-2,39 %) - 25€

$CMG (-2,73 %) - 25€

$META (-1,11 %) - 25€

$MSFT (-1,57 %) - 25€

$NVDA (-3,63 %) - 25€

ETFs:

$IWDA (-1,03 %) - 50€

$EXUS (-0,61 %) - 50€

I know that many, if not almost all, individual shares are already included in the $IWDA (-1,03 %) are already included. Nevertheless, the intention is to invest in the respective shares.

Now I am faced with 2 decisions:

On the one hand: I have €1000 of surplus money in my checking account and want to invest it. Now the question is in what? and how much? Does it make more sense to put it all in ETFs or only part in ETFs and part in individual shares? Or all of it in individual shares and then some?

The second thing: when should I invest?

There's a lot going on in the world at the moment.

The fact that around 90% of my savings are in US equities makes me rather worried about investing in the US market at the moment. At least until the Iran-Israel conflict has been resolved.

If this war escalates, I see a certain danger in the US economy which could cause inflation.

Then there are the presidential elections etc.

I would be happy to hear criticism or corrections to my statements. It is possible that I am completely wrong.

In any case, thank you in advance for your help 🫡💸

What is your opinion on the new ETF $EXUS (-0,61 %) ?

In my opinion, it would be a very good addition, especially if you are heavily invested in US individual stocks.

As the new ex-USA ETF can now also be traded via Lang & Schwarz, I changed my savings plans today. I will now gradually reallocate the FTSE AW and S&P 500 in order to achieve the desired distribution.

Instead of 100% FTSE AW I am now saving:

63% MSCI USA $SC0H (-1,2 %)

27% MSCI World ex USA $EXUS (-0,61 %)

10% MSCI EM $XMME (+0,28 %)

This now roughly corresponds to the distribution of the FTSE AW. In the long term, however, I will swap the MSCI USA for a 2x leveraged one in favorable situations.

If anyone knows of a better alternative for one of the ETFs mentioned above, please post in the comments :)