2Semana·

Kommer ETF

Good evening,

I would like to invest a five-figure sum for my parents.

The plan was to invest in an ETF for 3-5 years, which is accumulating and has medium to low risk

Not so long ago, I came across the Kommer ETF $GERD (-1,1 %) in an article.

Now the question is, are the costs in relation to the risk, at 0.5% they are no bargain ?!

The other option would be a portfolio with several ETFs.

An MSCI World with associated EM would not be the favorite, at least not in the classic style.

Thank you very much👍

LG Mark

26 Comentarios

Hebel-Horst@DoppelSchlechtMinus

2Semana

If the stock market corrects by 40% or so over the next 2-5 years, then so will $GERD... Are you sure that an equity ETF portfolio is right for your scenario?

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Mark777@Mark777

2Semana

It's difficult to say at the moment, overnight money is almost no longer worthwhile, and you can't rely on money market ETFs either, as the interest rate could be adjusted at any time.
Fixed-term deposits would still be an option, but that's not a great idea either.

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RandomDude@randomdude

1Semana

@Mark777 Yes, but you only get a return if you take risks. And you would do that with Kommer just like with any other equity ETF.

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Breadley 🥪@Stullen-Portfolio

2Semana

Definitely not shares for the short term!
If overnight money etc. is not desired, then perhaps look towards bonds/bonds.

Greetings
🥪

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Epi@Epi

2Semana

Difficult, 2-5 years is risky. Historically, even defensive funds can have a drawdown of 20-30%. The $GERD anyway. The stock market risk only averages out after 15 years.

What about an iBond ETF or the 100-year Austrian bond $null? After all, they yield just under 4%pa.

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Mark777@Mark777

2Semana

@Epi the iBonds are interesting, the only disadvantage here is that they only invest in companies, which would be unfavorable in bad times😐
That leaves only the government bond.

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Epi@Epi

2Semana

@Mark777 Yes, government bonds are still yielding quite well at the moment. Prices should also rise. But keep an eye on the risk of price changes, especially with long-term bonds!

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Mark777@Mark777

2Semana

@Epi You could set a rough stop loss, that would be the hedge from my point of view or !

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Epi@Epi

2Semana

@Mark777 Sure, then your parents will have to live with the loss. 🤷

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Dominik@Dominik_76

2Semana

@Mark777 There are also single maturity Etfs that have European or German government bonds. Either Amundi or xtracker. But in my opinion they are all distributing. The problem is that no asset is likely to react completely unimpressed in a crash, except for savings products within the deposit protection scheme.

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Murcielago@impuff

2Semana

I think 0.5% TER is okay. There are defensive stocks. I had a look at Visa for fun. It's so defensive, it would have easily coped with Corona. Just as an example.
There are certainly defensive ETFs.

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Dominik@Dominik_76

2Semana

As the risk of losses is still very high with the investment horizon, a very conservative mix with bonds with a higher credit rating would be worth considering (20/80). Otherwise perhaps completely on fixed-term deposits/maturity etfs or global aggregate bonds (beware of interest rate risk with long-term bonds). You could take a look at the fixed income one from Dr. Beck AT0000A347S9, which is less volatile but also somewhat more expensive. However, it should yield slightly more than fixed-term deposits, approx. 5% p.a.

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Mark777@Mark777

2Semana

@Dominik_76 I had a look at the global bonds, which would come close to the goal.
You could sell before interest rates change and buy again afterwards.

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Hebel-Horst@DoppelSchlechtMinus

2Semana

@Mark777 Global Aggregate Bonds (Euro-hedged) are a fine thing, but you shouldn't play around with interest rate changes. If it were that simple, everyone would do it, and the price movement would shift accordingly, because it is precisely the behavior of investors that causes it and not the interest rate change itself. So everything is already priced in, unless something surprising happens, and then again it's only a 50/50 bet.

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Dominik@Dominik_76

2Semana

@DoppelSchlechtMinus I agree. I experimented with long-runners, sometimes it worked, sometimes not. It's really a bet on interest rate changes

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Tenbagger2024@Tenbagger2024

2Semana

But aren't there a lot of doom and gloom scenarios that we are seeing here right now? It sounds as if we are expecting a multi-year bear market with no major recovery. Trump will govern for four years and he will do everything he can to keep things going in the USA.

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Ailemmer@Ailemmer

2Semana

Why not simply invest everything in $SPYI? You are very broadly diversified and with a TER of 0.17% it is quite cheap

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Mark777@Mark777

2Semana

That's true, and there's nothing wrong with that, but it's not entirely optimal in the current case.
The weighting of the large companies is too unevenly distributed, which is why the Kommer pursues the other approach to avoid this and bring in more safety, while at the same time generating moderate returns.
It does not beat the MSCI, nor should it.

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Silas@Bein-Godik

2Semana

I am still a friend of $HVJD in such scenarios.
Strongly scientifically built up according to clear rules and made 190% over 15 years. That's 7%pa with relatively low vola, as only 60% equities

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Christoph@ChrisBizz

2Semana

As already mentioned, the period is far too short for shares in any form.

In my opinion, the only options are
- $XEON or $PR1H
- US or EUR government bonds with a corresponding term of 3-5 years
- look for a good fixed-term deposit offer for 3-5 years, e.g. at Finanztest.

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Meister L.@Lumimyrsky

2Semana

Would definitely not be my first choice. Rather my last.

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Heinrich@Heinrich00

2Semana

Just take US government bonds, they are better for a fixed date

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Raymond@Reddington99

2Semana

$MODR How about this?

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DerMartin@DerMartin

2Semana

The ETF is great and the costs are reasonable in my opinion. But you must be aware that you have a considerable risk with any equity fund over this period.

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Mark777@Mark777

2Semana

@DerMartin This really is a difficult term.
I have now been convinced that it should not be an ETF with shares after all.

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SceanInvest@SceanInvest

1Semana

For 3-5 years, only money bond ETFs or short-term government bonds with the highest credit rating. Everything else is too uncertain for the short investment period

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