I want to make myself less dependent on the USA, so I'm giving Europe a try.
iShares Core MSCI Europe ETF
ETF
ETF
ISIN: IE00B4K48X80
Ticker: SMEA
IE00B4K48X80
SMEA
Price
Debate sobre SMEA
Puestos
31
3Semana·
Reallocate securities account
Let's see where the money from the $SMEA (-1,67 %) will be invested! 👀
11
2Lun·
Unit-linked private pension provision
I actually planned to take out my private pension insurance in 2024. Not to come, of course. (Or was too lazy)
Since I've seen a lot here, with 2-3% costs, I think I'm still doing quite well.
I took it out at the beginning of 2024 (then only started looking into it after it was taken out).
As stupid as you can be when you're young...
Or it just sounded too good from Tecis...🙈
Once there is the fund-linked private provision at Volkswohl Bund (€110.25 per month with dynamic)
45% $IWDA (-1,82 %) MSCI World
25% $EIMI (-0,02 %) MSCI Emerging Markets IMI
20% $SMEA (-1,67 %) MSCI Europe
10% $CPXJ (-2,24 %) MSCI Parcific ex-Japan
And secondly, the unit-linked Rürup pension, also via Volkswohl Bund with the same allocation. (100€ per month)
In fact, I have to say that I imagined it would be much worse. Let's see where I end up. In any case, the costs are only low for the ETFs listed 😂
11
4 Comentarios
2Lun
In the meantime, I have canceled almost all my unit-linked insurance policies. Unfortunately, I did it far too late.
But everyone has to know for themselves.
But everyone has to know for themselves.
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2Lun·
Feedback for a beginner
Hello, GQ community!
I'm 50 years old and I'm very new to this interesting world of investments.
I believe it's never too late to learn something and start a new journey.
I plan to travel for about 15 years 🤞🏼🙂
I watched a lot of YouTube videos before deciding to switch to ETFs from simple deposit accounts. Actually I don't have knowledge yet to invest in individual stocks, so I'll go all-in on a few ETFs, trying to diversify a little bit. They say is good not to be entirely exposed to the US market, even though it should be every portfolio's core.
I started with a 5k allocation and I chose $IWDA (-1,82 %) as my core, $SMEA (-1,67 %) for the European market and $AASI (-3,02 %) for a share of emerging markets ( 👉🏼 I wanted them to be Asian only, but then I realized $AASI (-3,02 %) overweight US 🙄 Why its name is so deceiving?)
In short guys, by next week I plan to allocate another 20k to boost my portfolio and then saving every month.
I'd make $IWDA (-1,82 %) at least 50% of my position, I'm considering the purchase of some $EIMI (-0,02 %) shares (more focused on EM) and maybe soon a crypto ETN/ETC (I still have to understand which is the best offered solution from my broker).
I wouldn't exceed 10% for $WGLD (-1,82 %) and 5% for the crypto.
- Do you have any tips?
- Do I already have overlaps?
- Does make sense to save on some $IS3R (-3,43 %) shares just to get a tiny boost to my returns?
- Which would be the ideal % for every allocation?
[👉🏼 If I get a negative feedback about $IS3R (-3,43 %) and $AASI (-3,02 %) I won't sell them, but just let run as it is]
Thanks in advance for any precious opinion!
5Puestos
5247,72 €
1,29 %
55
5 Comentarios
2Lun
At first: Welcome to the community ✌🏻
You always have to look what kind of replication your ETF does. It can be physical (the etf buys real stocks) or synthetic (the ETF does Swaps). Your EM ETF has a synthetic replication. That’s why getquin shows you different stocks, then the ones that are really part of the ETF. So don’t worry, your EM ETF does not invest into US stocks. You can choose a different EM ETF with physical replication to see the real allocation.
I have some questions for you, so i can give you some advise:
What is your main goal with your portfolio? Do you want to build wealth or a passive income?
Why do you invest in gold? The return not exceedingly high but some people want it as a security. But those buy physical gold.
Are you familiar with the distribution of Bitcoins and how so called whales effect the BTC price?
My answers to your questions:
Yes you have some overlap between the MSCI World and the Europe ETF but this is totally fine because your aim here probably isn’t mainly a greater diversification but a higher weight on european stocks and thereby less weight on US stocks.
In my opinion the Momentum ETF is not a good choice. It invests into stocks that had a high performance in the past but that doesn’t guarantee future returns.
The ideal allocation depends on your opinion on what’s the best ratio of risk and return.
Maybe create some test portfolios here on getquin with different allocations and look at the region and sector allocation. This way, you can adjust it and compare until you find your personal ideal allocation.
You always have to look what kind of replication your ETF does. It can be physical (the etf buys real stocks) or synthetic (the ETF does Swaps). Your EM ETF has a synthetic replication. That’s why getquin shows you different stocks, then the ones that are really part of the ETF. So don’t worry, your EM ETF does not invest into US stocks. You can choose a different EM ETF with physical replication to see the real allocation.
I have some questions for you, so i can give you some advise:
What is your main goal with your portfolio? Do you want to build wealth or a passive income?
Why do you invest in gold? The return not exceedingly high but some people want it as a security. But those buy physical gold.
Are you familiar with the distribution of Bitcoins and how so called whales effect the BTC price?
My answers to your questions:
Yes you have some overlap between the MSCI World and the Europe ETF but this is totally fine because your aim here probably isn’t mainly a greater diversification but a higher weight on european stocks and thereby less weight on US stocks.
In my opinion the Momentum ETF is not a good choice. It invests into stocks that had a high performance in the past but that doesn’t guarantee future returns.
The ideal allocation depends on your opinion on what’s the best ratio of risk and return.
Maybe create some test portfolios here on getquin with different allocations and look at the region and sector allocation. This way, you can adjust it and compare until you find your personal ideal allocation.
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22
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3Lun·
30 Years of Global Equity Returns by Region
- The U.S. has been the dominant global equity market as the top returning region for 10 years out of the past 15, when including 2024 year-to-date performance.
- In the period before that, emerging markets were the best-returning region, providing the best returns 12 years in the two decades spanning 1991 to 2010.
- Between 2001 to 2010, the MSCI Emerging Market Index , composed of equities from countries like China, Taiwan, India, Brazil, and South Korea, posted robust returns of 15.9%, significantly outperforming developed market stocks over the same period. However, since 2011, emerging market equities have seen just 0.9% in annualized returns.
- The biggest period of underperformance for U.S. equities was after the dot-com bubble crash.
- From 2002 to 2005, the U.S. was the worst-returning region in terms of equities, with 2002 seeing the worst return ever for U.S. equities at -23%.
- Europe’s returns have been less volatile than emerging markets, with fewer extreme highs and lows. However, the region has often underperformed U.S. equities, particularly in recent years. European markets have experienced a strong rebound so far in 2024, driven by easing energy concerns and resiliente consumer spending.
$CSPX (-2,44 %)
$VUSA (-2,45 %)
$EIMI (-0,02 %)
$XMME (-0,11 %)
$SMEA (-1,67 %)
1313
3Lun·
Should you invest in a momentum ETF on Europe?
Due to the weakening European economy and the dependence on global factors, the question arises as to whether a momentum ETF makes more sense.$MCEU (-1,01 %) This fund invests specifically in companies that have performed well this year despite the many crises and has achieved a return of +20% this year. It follows the principle that what has done well will continue to do well. A classic European ETF, on the other hand, offers lower costs, but only recorded a return of +8% over the same period $SMEA (-1,67 %) . What do you think makes more sense? In terms of the last year, the Momentum ETF was better, is it also better in the long term?
44
16 Comentarios
3Lun
S&P 500 is better in the long term. Keep it simple.
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33
•4Lun·
Quick trivial question about EM vs Europe:
I am relatively at the beginning of my investment career. My investment horizon is therefore +30 years.
I am currently saving the $IWDA (-1,82 %) and the $SMEA (-1,67 %) The original idea was to overweight Europe.
Now I'm wondering whether the overweighting makes sense or whether I'd be better off investing in the $SMEA (-1,67 %) should I switch to the $IEMA (+0,74 %) should be reallocated. A combination of all three ETFs would of course also be conceivable.
What do you think?
6Lun·
I love Europe 🇪🇺
77
4 Comentarios
6Lun
If I were you, I would take a look at these two ETFs https://extraetf.com/de/etf-comparison?products=IE00BG13YG34-etf,IE00BG13YJ64-etf
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