Hello everyone,

I have "some" chaos in my ETF portfolio. I would like to tidy it up a bit and start with the ETF stuff.

I have

Abbreviation / Weighting / Current balance of total portfolio

$DBXW (-1,24 %) / 9,68% / +16,39%

$IS3R (-2,32 %) / 5,91% / +14,97%

$IWRD (-1,39 %) / 5,5% / +13,4%

$500 (-1,14 %) / 4,01% / +18,76%

$VWRL (-1,44 %) / 1,85 / +17,67%

$INRG (-3,18 %) / 0,15% / -22,92%

$IEMA (-3 %) / 0,04% / +20,20%

I'm already thinking OMG as I write this down :-D

Perplexity says the following

Specific recommendations

• DBXW, IS3R, IWRD, 500, VWRL are all broadly diversified equity ETFs with a focus on the world, MSCI World and S&P500. The largest overlaps are between DBXW (Xtrackers MSCI World), IS3R (iShares Core MSCI World), IWRD (iShares MSCI World) and VWRL (Vanguard FTSE All-World).
• Even your S&P500 ETF already tracks a large proportion of the MSCI World ETFs, as US equities are usually dominant there.
• VWRL is more global and covers not only industrialized countries, but also emerging markets. IEMA specifically covers emerging markets, but is a mini-position for you.

Combine / simplify

• You could consolidate all World ETFs (DBXW, IS3R, IWRD) into a single one, for example IS3R or VWRL, depending on your preference in terms of costs and tracking difference.
• You can also remove the S&P500 ETF if you prefer a global ETF such as VWRL or a World ETF - otherwise the US dominance is doubled.
• You can sell very small positions such as INRG and IEMA or switch to a larger "core ETF", as they have little effect on the overall portfolio and increase complexity.
• In the end, you could work with one or a maximum of two broadly diversified ETFs, e.g. only VWRL or IS3R plus a random favorite for special regions/sectors, if desired.

Model structure after simplification

ETF share after simplification

VWRL 80-100%

possibly INRG/IEMA/Satellite max. 10-20% (optional)

--

• Var. 1 So then actually sell everything and put it in VWRL?
• Var. 2 Alternatively, so that I don't have to pay tax on all the profits now, just save the $VWRL (-1,44 %) and stop the rest and just leave it? So that I don't have to pay taxes and lose 25%+ directly for the reinvest.

Or what is your idea for Var. 3?

I find the $IS3R (-2,32 %) also exciting in terms of momentum.

Good evening,

I currently have the $ISAC (-1,73 %) and the $500 (-1,14 %) in my portfolio. I'm thinking about selling the $500 and putting it into the $ISAC (-1,73 %) because it has the highest weighting of the same stocks anyway. That way I can reduce my USA share. The investment case for the S&P 500 was the strong US economy, which is now weakening a little. I would take the performance of the big players $ISAC (-1,73 %) also take with me.

What is your opinion?

Good morning,

Briefly about me. I am 20 years old and have been saving in my savings plan since November 2021. $500 (-1,14 %) savings plan.

Initially with €100 per month as I was still in training, then from September 2022 with €350 per month and since January 2024 now with €600 per month.

My investment period will hopefully be 30-40 years according to current plans.

With the increase in the savings rate from €350 to €600, I have also gone from $500 (-1,14 %) to the $CSPX (-1,13 %) due to the lower TER and the overall better data.

The crypto savings plans have only been running since October 2022 with €40 per month in $BTC (+0,59 %) and €20 per month in $ETH (+0,24 %) and will continue to run for the foreseeable future and may be increased from time to time.

The $TTWO (+0,49 %) I bought the share on 15.11 at €142.42 per share and will leave it in my portfolio for a while yet.

The Ginmon VWL position is my capital-forming benefits, which unfortunately I can only track poorly here, so only the paid-in and current value is available.

In my opinion, the cash balance of just over €9,000 is a little too high, but I'm also planning to buy a new bike in 2024. A little fun is a must.

I think it's a shame that the money on TradeRepublic means that everything here is included in the performance and of course has a massive negative impact on it.

Thanks for the constructive feedback :)

Switch ETF?

Hello everyone,

I have been saving the S&P since October 2021 $500 (-1,14 %) initially still in training and only since July 2022 with 350 € per month, which now results in a value of approx. 7,500 €.

Now I've been thinking about switching to the $CSPX (-1,13 %) as it is from iShares, has 10 times the fund volume, is fully replicated and has a TER of 0.07%.

in comparison:

$500 (-1,14 %) / $CSPX (-1,13 %)

Fund volume: 6.39 billion / 61.77 billion

Provider: Amundi / iShares

Replication: Synthetic / Complete

RATE: 0.15 % / 0.07 %

If you look at this breakdown, the iShares fund $CSPX (-1,13 %) from iShares is much better.

However, I'm not sure whether it's worth liquidating and switching the old ETF or simply stopping the savings plan and investing in the new ETF.

The new $CSPX (-1,13 %) would then be saved with a savings rate of €600 - €800 per month.

Please let me know your opinion or what you would do in this situation.

Greetings Tobi

Share analysis

A question for all of you old-timers here.

In addition to my $500 (-1,14 %) ETF in the future to deal more with individual stocks.

My question is this:

How would you guys best inform yourselves in the topic of stock analysis/stock valuation.

For example, are there any programs or YouTube channels or other sources that you can recommend for getting started? Maybe even a book :)

I've already searched a bit on Google, but I'd like to hear a few more recommendations from people like you who have been doing this for a while.

Thanks in advance :)

BTC & ETH

Hello all,

I have considered to invest in addition to my $500 (-1,14 %) a small savings plan with a total maximum of 100,- € in $BTC (+0,59 %) & $ETH (+0,24 %) on the platform Bidget. The fees of 0.1% per execution are also manageable.

However, I am still quite unsure about the platform, since Bidget is not really very well known in German-speaking countries and many advise Bitpanda, Kraken or similar.

Feel free to write me your opinion or alternatives in the comments.

Liquidate S&P 500?

I have a question for you guys out there.

I have been for some time (about 2 years)

to save my S&P500 ETF. $500 (-1,14 %)

Since I read myself in the meantime more and more

more and more into the topic of single stocks, I would be

so slowly ready to enter there.

However, I am still unsure whether I should continue to save my ETF

my ETF, reduce it in the savings rate, stop saving or dissolve it altogether?

or dissolve it completely?

There is also no earth-shattering amount of money in my ETF due to education.

Moin people,

I actually thought I understood how accumulating ETFs work, but apparently not after all 😅

Have some shares of this ETF in my custody account and had a gross accumulation of 13,34€ per unit, although one unit is only worth ~72€. How can it be that this ETF accumulates 18.5% in one year?

$500 (-1,14 %)