7H·

New installation

Hi there, I'm getting in touch again,

Since I now have 7000€ cash on Trade Republic, and have invested 3000 rather "ignorantly" and just tried around, I have now decided that I want to go 70/30, i.e. 70% ETFs for secure wealth accumulation and 30% to invest in individual shares.

With the ETFs I have invested in

$IWDA (-0,14 %)

$CSPX (-0 %)

$ISPY (-1,26 %) (as I have a computer science degree myself and find the topic interesting for the future)

thought of ETFs,

and for individual shares rather

thought.

What do you think of the list?

is there anything where you say no way?

9 Comentarios

Leave out the equity positions. They are already the largest positions in the ETFs anyway.

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All-in-or-nothing@All-in-or-nothing

Cool, not just double, but triple Risikokonzentration👍🏻. If it tears down 4 of the Mag 7, your portfolio will notice this 3 times. You can do this, but in my opinion it makes little to no Sinn🤷🏼‍♂️ difference.

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Schniggy@Schniggy

@All-in-or-nothing What would be a better alternative in your opinion, other ETFs or leaving out the individual stocks altogether?

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Play R.@Playrio

@Schniggy Even if nobody here can hear it anymore, in my opinion: A boring FTSE All World or MSCI ACWI.

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All-in-or-nothing@All-in-or-nothing

@Schniggy Well, you have a Core MSCI World ETF, in which the Mag 7 are already more strongly represented than in an All World ETF with emerging markets (and in some cases also small and mid caps, depending on the ETF selection), then next to it an S&P500, in which the same companies are weighted even more heavily as top positions and then add the already largest positions of both ETFs as individual stocks. That's all for now.

Personally, I would not design my core with overlapping ETFs (or at least only with as few overlapping ETFs as possible). In principle, I think ONE sensible All World ETF is enough as a core (if you want to go core satellite, which is what your "strategy" looks like at first), supplemented by individual stocks that are preferably not already too strongly represented in the core and that can generate an excess return. Here, for example, you could select 1-2 stocks from the Cyber Security ETF (which I would leave out) as individual stocks and add 3-4 other stocks that are of interest to you and from which you expect an excess return.

That would be my Ansatz🤷🏼‍♂️.

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Schniggy@Schniggy

@All-in-or-nothing Thank you for your feedback 🙏 I will look at a few things again and reconsider, but you're right, a lot of overlaps are really not good, so I'll reconsider my ETF choice

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All-in-or-nothing@All-in-or-nothing

@Schniggy As always, just my personal opinion, but I think you'll find a sensible structure for you. Good luck.

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Marcel@xzxzx

@Schniggy Omit individual stocks, omit ETF themes and replace them with bitcoin

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Paul@paul_finesse_

I would also leave out the ETF theme if you are going long with it.

Rather do research on two stocks in this area and then add a small percentage weighting as a satellite.

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