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Expansion of growth/dividend portfolio

Good morning community,

I would like to add one or two more ETFs to my current portfolio. I have two additions in mind and would like to hear your opinion on them or whether you have any other suggestions in these areas.

Personally, I'm not the biggest fan of div. ETFs and prefer to cover this with individual stocks.

It's somehow more fun.

I am currently looking at the $XRS2 (-0,53 %) as an addition to the main ETF $XDWD (+0,27 %)

and as a second boring addition, but in my opinion an important component in the commodities sector $XGDU (+0,97 %) (This would also be intended for eternity and only for funds that are to be parked safely).

20 Comentarios

I think gold makes sense. The other ETF on the Russell2000 rather less so.

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Basti1983@Basti1983

@Olli68 Thank you. So you think the MSCI is sufficient and the Russel is not a sensible addition?

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Olli@Olli68

@Basti1983 If you want to have 40 or 50 positions at some point, then perhaps you could think about it. But you want a lean portfolio. The MSCI World or an All World should be enough.

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Olli@Olli68

@Olli68 And with regard to gold, you should choose the right one, which can be sold tax-free after 1 year. Unfortunately, I don't know whether this is the case with yours.

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Basti1983@Basti1983

@Olli68 Good advice, I hadn't looked into this before. But an important point

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Olli@Olli68

@Basti1983 $EWG2 and $4GLD are tax-free in Germany after 1 year. I am not aware of any others.

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Basti1983@Basti1983

@Olli68 That's right, I've just looked them up too. I think that makes a lot more sense. Many thanks for your help

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Der Spekulant@Derspekulant1

@Olli68 the russell 2000 or small cap ETF is a very good addition as these are hardly represented in the MSCI world. I myself find the $WSML better as it doesn't just cover us stocks and you already have a large us share in the MSCI world. Due to lower interest rates, these will have more performance and are scientifically a sensible addition according to the studies of Gerd Kommer & Dr. Andreas Beck, among others. But this should remain below 15% as there is more vola and risk, for me the core is 85% ACWI & 15% small cap. If you want more performance, definitely the small cap & gold, well, it is at its peak and will fall again due to lower interest rates and is generally known as a dead stock.

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Basti1983@Basti1983

@Derspekulant1 Thank you. Great explanation. That will help me in any case. And thanks for your alternative tip, I'll take a look.

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Der Spekulant@Derspekulant1

@Basti1983 You're welcome, the 85\15 approach is also from Dr. Andreas Beck's e-book Successful Scientific Investing. You also have EM in there (albeit less than a few years ago).

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Olli@Olli68

@Derspekulant1 As I said, I am not a fan of small-cap ETFs. Especially not if they are intended for a lean portfolio with few positions.
You keep reading about falling interest rates. On the other hand, small-cap ETFs have never beaten the major indices over several years. And they have always been the biggest losers in major setbacks or crashes.
But as I said, that's just my opinion.

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Ver todas las 4 respuestas adicionales

asset_sage_dhmfz@asset_sage_dhmfz

Given the size of your portfolio, I would sell everything up to the first 100k in the all world and use the time gained for the family. If you get 3% more out of your portfolio through the perfect selection of individual stocks, convert that into euros per year and your hourly wage for all the research. From 100k I would then think about adding to it slowly.

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asset_sage_dhmfz@asset_sage_dhmfz

@asset_sage_dhmfz ps statistically there is even a higher probability that your own individual basket will perform worse than the world market. I think the all world and similar ETFs are really good because they are self-optimizing and always automatically weight the winners higher.

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Basti1983@Basti1983

@asset_sage_dhmfz Don't worry about my time - there's plenty of it ;-) And investing money should also be a bit of fun, your suggestion is perhaps sensible but far too boring for me. But I understand your objection and I think everyone has to do it as they see fit.

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Basti1983@Basti1983

How do you see a possible entry with regard to the price of gold? I know we all don't have a crystal ball, but at the moment I would personally wait and see.

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Olli@Olli68

@Basti1983 I think now is the time to get in. In September/October the stock market will correct and gold will rise.
I am bullish.

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