I would like to make use of your swarm knowledge and get some feedback on my portfolio.
I've been working on building up my portfolio for almost 2 years and am currently 27 (unfortunately I simply missed the last few years - which makes me incredibly annoyed to have left so much time lying around).
My current goal is to accumulate capital.
I'm currently putting away €810/month and investing 90/10 of it in my $SAWD (+0,79 %) and for a few months now in the $XMME (-0,28 %) the remaining 10%
All money that comes in through bonuses or similar is put into individual shares or crypto (to prevent FOMO ;) )
Now my next step would be to diversify a bit more in individual stocks (pharma etc.)
As you cover the entire global economy with your two ETFs, you are not diversifying further by selecting certain individual stocks. You are merely increasing their weighting by more than they are represented in the ETF.
This is not necessarily a bad thing, but it does involve risks.
If I look at your portfolio, then the individual stocks should have a weighting that also has an impact on price growth. $1211 has risen by 24%, which is around €20%. Irrelevant compared to the overall portfolio.
Another suggestion: $INRG simply sell => in world ETF $IWDA why is it there?
$XDWT actually consists of 3-4 companies that are already high up in the world ETF. This increases your "cluster risk". As I said, it can be good, but it also harbors risks (e.g. in the event of a sharp downturn in the sector).
Finally, it's very good that you've started investing. At 27, you are by no means too late, as you still have a few decades ahead of you. Stay on the ball 🚀
Some Examples of Companies Likely in IWDA but not in SAWD:
Energy Sector (Fossil Fuels): Many large energy companies involved in oil and gas production are excluded from SAWD due to ESG concerns, but they can be included in VWRL.
Tobacco Companies: Tobacco firms are excluded from SAWD but can be included in VWRL.
Defense and Weapons: Companies heavily involved in weapons manufacturing or controversial defense systems are typically excluded from ESG-screened indices.
Hello, you should not be comparing a MSCI World ESG with a FTSE All-World. The latter has exposure to emerging markets while the MSCI index does not, it only accounts for developed countries. If you want a honest comparison please do MSCI World vs MSCI World ESG.
I was just wondering whether it would make more sense for me to use the MSCI World SRI ($SUSW (+0,94 %)) it would make more sense for me to use the MSCI World ESG Screened ($SAWD (+0,79 %)), as this does not exclude as many companies as the SRI.
It's a bit stupid when companies like Apple, Amazon, Google and the like are missing from your investment for whatever reason.
The ESG Screened is very close to the normal MSCI World, only at a lower share price and therefore not so much money remains in the clearing account for one-off purchases in between ;-)
The difference within the last year was also not entirely without...
I would like to take this opportunity to ask for feedback on my securities account. All positions are saved more or less equally with a savings plan. However, I cannot save for Tonies with my broker.
I am open to suggestions. The monthly savings rate is around 700€.
The investment horizon is medium to long term (10+ years).
The funds and ETFs have been recommended to me by my bank advisor. I looked for the stocks myself with the expectation of regular solid dividends to reinvest. I am aware of the advantages and disadvantages of dividends and accumulating ETFs but for me dividends are definitely better.
