https://m.youtube.com/watch?v=OOidJuT2fF8&ra=m
The real question is whether this diversification in your core holdings actually makes a difference. At least if you’re taking a long-term view, the simple $IWDA is probably sufficient.
If you want to somewhat mitigate the US and tech concentration risk in these indices (which I think makes sense with a long-term horizon), then perhaps something like this as a core:
https://gerd-kommer.de/etf/vergleich/
Disclaimer: No, I don’t profit from this fund and have nothing to do with it. But that doesn’t change the fact that this is a good approach for people who want to build wealth over the long term while maximizing safety.
Incidentally, Stiftung Warentest also takes this view in its November 2025 ETF issue (I highly recommend reading it—it’s really well done).
The real question is whether this diversification in your core holdings actually makes a difference. At least if you’re taking a long-term view, the simple $IWDA is probably sufficient.
If you want to somewhat mitigate the US and tech concentration risk in these indices (which I think makes sense with a long-term horizon), then perhaps something like this as a core:
https://gerd-kommer.de/etf/vergleich/
Disclaimer: No, I don’t profit from this fund and have nothing to do with it. But that doesn’t change the fact that this is a good approach for people who want to build wealth over the long term while maximizing safety.
Incidentally, Stiftung Warentest also takes this view in its November 2025 ETF issue (I highly recommend reading it—it’s really well done).
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@Gomerdoc I've read about that, but to be honest, I'm happy with my diversification strategy.
Just think about last week. Despite the volatility in tech stocks, I ended the week in the black precisely because of those high-quality individual stocks :)
Just think about last week. Despite the volatility in tech stocks, I ended the week in the black precisely because of those high-quality individual stocks :)
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