Hi folks,

I also wanted to take the opportunity to ask the community for advice. I'm still quite new here (started in January 2024) and have been thinking about changing my ETF savings plan strategy for a few weeks. I am currently saving the 5 ETFs you see in the screenshot below, each with 200€ / month.

$XDWD (+0,55 %)
$IUIT (+0,79 %)
$CSNDX (+0,64 %)
$VWRL (+0,35 %)
$VUSA (+0,61 %)

However, I've been thinking more and more about stopping either the S&P 500 Info Tech. or the NASDAQ 100. I actually have two ETFs in mind. Divided into distributing and distributing per world and with a focus on the US, which would then be the case.

However, in recent weeks we have been reading more and more here and in other media about the $TDIV (-0,19 %) and also from $JEGP (-0,27 %) .

I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (-0,19 %) and $JEGP (-0,27 %) tempted to expand after all 🙈😅

What would you advise me to do? My investment horizon is 30+ years. In addition to the €1,000 in ETFs, I save €1,000 a month to invest in individual shares.

Completely different ideas for the constellation are also welcome. I like to be inspired and think about it.

PS: before I forget, a huge thank you to this great community, which has made my start in investing much easier. The daily posts and discussions are fun and expand my knowledge from day to day. A positive side effect is the reduced consumption of other social media 🤣

Enough said, I look forward to your feedback. Have a nice rest of Sunday everyone!

John

So far I have not looked into the currency risk, so my question to you is. Is it still worth switching to a hedged S&P at the present time?

As there will always be down phases in the market, I would rather switch now than in 20 years.

@Epi has pointed to the currency cycle several times recently, but it is not entirely clear to me whether we should be in the "downturn" or already at the bottom😬.

What are the negative aspects of a hedged S&P?

Higher TER? What else?

Which ETF would you suggest?

IE00B3ZW0K18 (ishare) $IUSE (-0,02 %)

IE00BM67HW99 (Xtrackers) $XDPE (-0,03 %)

Thank you for your answers.

$CSPX (+0,55 %)
$VUSA (+0,61 %)

$GS (+0,42 %)
$CSPX (+0,55 %)
$VUSA (+0,61 %)
$VUAG (+0,61 %)
$SPYL (+0,59 %)
$SPYD (+0,35 %)
$ISP6 (-0,4 %)
$SPXS (+0,6 %)

Goldman Sachs forecasts that the rally in the S& P 500 is likely to continue over the next few weeks before losing momentum in August. Historically, July is the strongest month for the S& P with an average gain of 1.67% since 1928, and the first two weeks are usually the best.

It remains exciting ✌️🚀

I'm afraid I've made a serious mistake.

Right from the start, I invested 100% in shares, or rather an equity fund.

$VUSA (+0,61 %)

So far that would be good. In the long term, that should take me further.

However, I think I have understood that it would have been wiser to invest in long-term government bonds when interest rates were high and now to gradually shift into equities or the ETF as interest rates fall or in the stronger corrections we have seen this year.

For me, this realization came with hindsight and perhaps too late? Do bonds still make sense now? Or have interest rates already fallen too low?

However, this is the same equity/interest rate/bond cycle that has existed since Wall Street and must therefore have been foreseeable?

I think this cycle would be a functioning system. I picked that up somewhere, so it's half-knowledge, I don't know if it was YouTube video number 984 or podcast 32. In any case, you would have had a positive return with bonds over the last few months and could always have quickly switched into equities, for example in April when things went down so rapidly, and would therefore have had a much higher return afterwards. I would like you to point out any errors in my thinking and perhaps suggest a system based on this logic that can also be implemented by a layman. Many thanks in advance

$SPPE (-0,08 %)

Hi, now that I've gotten some feedback from you guys in my last post, I'd like to introduce my pick as a replacement for the normal $VUSA (+0,61 %) here. I've seen that there isn't a single post about it yet, so:

Goal: mitigate currency risk a bit.

It is accumulating, but hedged in €. The TER is actually even lower than the $VUSA (+0,61 %) we are at 0.05% here. Has also been around for a few years + a good 2 billion invested. Has physical replication.

Overall, I actually really like it, nice instrument for currency risk management.

Let me know what you think :)

$VUSA (+0,61 %) A "stupid" question. Why is the ETF so lagging and not at its high?...while the S&P500 is at a new all-time high. Vanguard S&P500 is tracking it after all

Hello everyone,

My ETF of the $VUSA (+0,61 %) is slightly lower again today.

I would now like to buy another 5 - 10 shares. The order fees would be €0.99.

However, I am afraid that this is not so clever, as today is a public holiday. What do you think?

I have read several times in the last week that the $VUSA (+0,61 %) will crash due to possible exploding oil prices and inflationary spirals.

Do you know anything about this and how do you act?