11Lun·

MSCI World in $VWRL (-0,71 %) rebalance?

Hello everyone,

I am considering (to reduce risk) switching my positions (approx. 900€) from the MSCI World $XDWD (-0,61 %) into the FTSE All World $VWRL (-0,71 %) to the FTSE All World.

Do you think this is worthwhile? $VWRL (-0,71 %) The FTSE All World has significantly more positions but "only" about 10% less American weighting...

Would you just leave it as it is or switch to the All World?

Have a nice evening 📈

38 Comentarios

PunktPunktKommaStrich@PunktPunktKommaStrich

11Lun

Always pay attention to the draught horses, everything else is often ballast.

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Uwe@SchlaubiSchlumpf

11Lun

@PunktPunktKommaStrich Unfortunately, the driving forces have changed in recent decades. Unfortunately, the change was not announced in advance. The emerging markets have also been driving forces.

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Testo-Investor@Testo-Investor

11Lun

Many comments are very weak. This is not about faith. It's about investing freely in the global economy over the long term, and that includes the emerging markets. Since this amount is very small in €900, it doesn't matter and you can switch immediately without hesitation

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niemalsinsolvent@niemalsinsolvent

11Lun

@Testo-Investor okay, that sounds good! would you sell for a fee and put it in the all world or leave the msci world and start again with the vanguard?

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Testo-Investor@Testo-Investor

11Lun

@niemalsinsolvent 1€ 😂 sell and pure what else

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niemalsinsolvent@niemalsinsolvent

11Lun

@Testo-Investor am with deutsche bank think that is more expensive

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Testo-Investor@Testo-Investor

11Lun

@niemalsinsolvent Change and to tr is clear. Next step

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niemalsinsolvent@niemalsinsolvent

11Lun

@Testo-Investor I'm still 17, at 18 I'm out of the expensive store immediately

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Uwe@SchlaubiSchlumpf

11Lun

@Testo-Investor I would make the reallocation dependent on how much tax you pay on the sale. If I end up with less than 1k tax-free allowance or less than 10% return, I would probably just switch. If it's more, let it run and build up a new position. If necessary, buy a small 20% emerging markets ETF. It always depends on how much money you're talking about.

Basically, I would choose the all world despite lower returns in the recent past. You never know what the future holds. When EM was stronger, I'm sure clever people came along and talked about why you shouldn't just go into the emerging markets instead of the MSCI World...

Regression to the mean could lead to developed countries underperforming at some point.
At the same time, there is the random walk phenomenon that could lead to regression to the mean taking quite some time. As @Testo-Investor says, only those who cover the entire market and thus invest in the global economy as forecast-free as possible would be forecast-free. You just shouldn't make the benchmarking mistake of comparing yourself with a random better-performing index after 10 years. This would probably never have been an option before. If you cover the global economy, you can't be better than the best etfs. But you are also no worse off than the worst.

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niemalsinsolvent@niemalsinsolvent

11Lun

@SchlaubiSchlumpf thanks for the long reply! i actually have a nv certificate and don't pay any tax at all, so i think i'll switch 👍🏼 thanks 🙏🏼

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Testo-Investor@Testo-Investor

11Lun

@niemalsinsolvent even so, it wouldn't matter at all ... because we're talking about 900 € here and not 900 € profit ... you might have a maximum of 100 € profit in it...

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niemalsinsolvent@niemalsinsolvent

11Lun

@Testo-Investor right, about 120€ profit so it doesn't matter anyway

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Uwe@SchlaubiSchlumpf

11Lun

@Testo-Investor ah Jo I misread that 👍🏻 I agree 100%. I thought it said something about 900 euros per month. My Bad

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Golden Boy@randomdude

11Lun

Leave it like this. You can always add an All World ETF later. In the last two decades or so, shares in developed countries have also performed much better. The emerging countries just don't have Mag7.

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Pope Donkey XXI@DonkeyInvestor

11Lun

@randomdude Regression to the mean could suggest that the age of EM is imminent. But I don't really believe it either

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Testo-Investor@Testo-Investor

11Lun

@randomdude aha great comment not 😂

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FamilyFinance@FamilyFinance

11Lun

Honestly, it doesn't matter in the long term. Leave it as it is and invest in the FTSE All-World from now on if you like it better. Just don't keep changing your strategy. Stick with it and see it through. Going back and forth really empties your pockets. At least the state is happy about your profits and wants 0.7 x 26.375% of them.

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niemalsinsolvent@niemalsinsolvent

11Lun

@FamilyFinance Okay, thanks! I'll stick with msci for now then

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Charlyfirpo@Charlyfirpo

11Lun

By no means realize it. Just leave it and then from now on bsw.FTSE....I did it almost exactly the same way

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Kosmonaut@Kosmonaut

11Lun

So if it's only €900, you've probably hardly made any profit and the tax-free amount can cover that. If that's the case, go for it. Otherwise, leave it alone.
I myself once reallocated when the MSCI World went into negative territory (and therefore no taxes were incurred)

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Pope Donkey XXI@DonkeyInvestor

11Lun

It depends. Do you believe in EM?

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11Lun

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Pope Donkey XXI@DonkeyInvestor

11Lun

@PowerWordChill was actually quite good

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11Lun

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Pope Donkey XXI@DonkeyInvestor

11Lun

@PowerWordChill these are my favorites

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niemalsinsolvent@niemalsinsolvent

11Lun

@DonkeyInvestor well, not really. just thinking about increased diversification, but i think i'll stick with the msci

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Nio@Nio1

11Lun

@PowerWordChill peinlich

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Charlyfirpo@Charlyfirpo

11Lun

Where does it have just under 10% USA? FTSE has just under 60%

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FinanceWolf_@FinanceWolf_

11Lun

@Charlyfirpo yes but compared to the IWDA world

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Ace_Tobi@AceTobi

11Lun

@Charlyfirpo 10% less... read...

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Fortunus@Quiny

11Lun

@AceTobi But it doesn't say "10% less", it says "10%".

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Fortunus@Quiny

11Lun

The statement is completely wrong. The All-World has not 10% but 65.93% of America.

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niemalsinsolvent@niemalsinsolvent

11Lun

@Quiny well, I think your statement is wrong...

"but "only" about 10% America weighting less..."

Emphasis on the word "less" 😉

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SP@spellwan

11Lun

@Quiny it says "10% less weighting for America"

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Fortunus@Quiny

11Lun

@niemalsinsolvent @spellwan No, it says 10% and not 10% less. But it doesn't matter. But I can already read 😉

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niemalsinsolvent@niemalsinsolvent

11Lun

@Quiny i think you're reading the wrong article ... it says less 😆

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Ape65@Ape65

11Lun

Good idea. But better take this etf IE0003XJA0J9 <security:n/a:IE0003XJA0J9>

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userc0b7ae3fb21b4cf0@userc0b7ae3fb21b4cf0

11Lun

I would simply restock the ftse. Just leave the old MSCI World. I wouldn't want to pay a lot of tax. But that's up to you. You can also add an emerging markets. Then you can adjust the percentage of how much you want to invest in EM. I think it's all a matter of personal preference.

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