1Semana·

Portfolio valuation

Hello everyone,

I am 21 years old and currently studying, my monthly savings rate is currently 1500€. My investment horizon is 20+ years, I'm long-term oriented, interested in financial markets and listen to podcasts like "Alles auf Aktien" and similar, but I don't want to do daily analysis, so I'm currently focused on ETFs.

Current assets:

Portfolio

Small experiment with crypto, which I would like to focus on again

Nest egg with approx. 3 monthly salaries

My goal:

I would like to set up my portfolio in a globally diversified and future-proof way in the long term, and I wonder whether the S&P 500 is still useful in my case, since the FTSE All-World already has ~60% US exposure

Planned reallocation:

I am thinking about stopping the S&P 500 savings plan and possibly also selling existing shares in order to reallocate the capital as follows:

$VWCE (-0,97 %) 60%

$EIMI (-0,6 %) 20%

$WSML (-1,48 %) 10%

$EWG2 (+0,19 %) 5%

Crypto 5% (possibly $BTC (-0,42 %) savings plan)

My questions:

Do you think the shift from the S&P 500 to EM/Small Caps/Gold makes sense or do you see unnecessary complexity in it?

Should I sell existing S&P 500 positions or leave them and invest differently in the future?

In your opinion, are there more sensible alternatives for small caps or emerging markets?

Is my high equity allocation appropriate? Would you take a more conservative approach or take more risk?

I welcome any constructive opinions - and criticism or other suggestions!

Thank you!

6 Comentarios

1Semana

A hefty savings sum. If you continue like this, you'll be a millionaire in 22 years with an average of 7% p.a.
I wouldn't reallocate anything and I wouldn't complicate everything - with your savings rate of €1500, you can always take up new positions from time to time. I would include $EWG2 and Bitcoin, leave the rest as it is

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Lugu2003@Lugu2003

1Semana

@wasi Thank you! 💪 The savings rate is currently my biggest lever.
When rebalancing, my main concern is not to double weight the USA (because of $VUSA + $VWCE).
$EWG2 and I want $BTC as a small addition. Cool that you see it the same way!
I'm trying to keep it lean but balanced overall. 🙌

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wasi@wasi

1Semana

@Lugu2003 Yes, I understand, but if you don't use an ETF directly in EM or Europe, overlaps are usually unavoidable. With Premium, you would have the opportunity to look at all your shares in the ETFs in detail (%) in "DeepDive" - but that will be really deep.
If you really want to get rid of the S&P500, then please, you are still within the exemption amount. But for me that would only be cosmetic, I would simply stop it.
$EWG2 Safe haven, and you also want to play along with $BTC. Both perfect additions. I also have both (although Bitcoin is now my 2nd largest position, with just under 14% - which was never actually planned because I also invest rather conservatively)

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Lugu2003@Lugu2003

1Semana

@wasi Yes, fair point, there's hardly any overlap anyway. DeepDive sounds exciting, I'll have a look at it when I get the chance.
Simply stopping the S&P500 instead of selling because of a few percent sounds really sensible.
And wow, 14% Bitcoin! 😅 For me, it'll just be a small savings plan addition for now, but who knows.
Thanks for sharing in any case!

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MrSchnitzel@MrSchnitzel

1Semana

Huhu,
If I were you, I would simply continue to save in the All World, which is diversified enough, and include Bitcoin in the portfolio.
Regards

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Lugu2003@Lugu2003

1Semana

@MrSchnitzel Hello, thank you very much for the feedback

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