1Sem.
it is no problem to do a long term etf PAC plan. statistically the market has always risen and by taking off little by little you will have a nice capital in your hand in a few years. continue with the PAC and don't be demoralized by the temporary market performance. I advise my clients not to look from time to time at the investment
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1Sem.
Thanks for the answer, But the question is this, I currently have about 13k invested and I need to invest another 17k. If I end up with a lot of cash in January, should I invest a good amount right away or continue with a PAC of smaller amounts and get to allocation like in 12 months ?
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1Sem.
@Logan200_ if you have that liquidity already at your disposal i would advise you to invest them directly. is there a specific reason why you chose $IWDA or is it just related to a geographic differentiation? because if it is the only instrument in your portfolio i would advise you, in order to reduce issuer risk to buy etfs of different issuers and on different markets. I'll give you an example: by investing all your assets exclusively on $IWDA, on the one hand you differentiate geographic risk by taking stocks from all over the globe, but on the other hand you expose yourself to the risk that if ishares (the SGR that manages etf) were to run into economic difficulties, you would risk having nothing left in your hands.
My advice is to buy etf on major world markets from different issuers. For example you could buy different etf for different continents from ishares, Amund, xtrakers, HSBC. this way you also have control over any macroeconomic events by being able to move your cash from one etf to another in case of economic changes
My advice is to buy etf on major world markets from different issuers. For example you could buy different etf for different continents from ishares, Amund, xtrakers, HSBC. this way you also have control over any macroeconomic events by being able to move your cash from one etf to another in case of economic changes
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1Sem.
@bertux
Msci Word I chose it for worldwide diversification, but I currently invest in.
SWDA Msci Word 73%
MEUD Stoxx600 5%
IUSN Small cap Word 8%
XMME emerging 7%
EMXC emerging ex-China 7%
The percentages would be the division of assets
Besides that then also government bonds and some Fineco stuff
But do you mean to diversify different issuers even for the same ETF that tracks the same index?
Msci Word I chose it for worldwide diversification, but I currently invest in.
SWDA Msci Word 73%
MEUD Stoxx600 5%
IUSN Small cap Word 8%
XMME emerging 7%
EMXC emerging ex-China 7%
The percentages would be the division of assets
Besides that then also government bonds and some Fineco stuff
But do you mean to diversify different issuers even for the same ETF that tracks the same index?
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1Sem.
@Logan200_ diversifying different issuers makes sense because if one of them gets into trouble or takes a particular fund out of trading, you don't suffer the consequences on a large part of your assets. in the end you are entrusting a large part of your money to one person. In etfs if the underlyings are the same there should not be much difference between one manager and another.
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Try watching Paolo Coletti's pac vs pic video on YT.
In the long run, PIC always wins. I watched it last year, had doubts like you...now I am very happy 😅
In the long run, PIC always wins. I watched it last year, had doubts like you...now I am very happy 😅
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@xsimon90x sisi I 've seen it too, however at the posological level it always does a little...
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When things are proven by numbers, and verified on different samples over time, I would say there are few variables left.
We are still talking about a world... it is not easy to do timing...
We are still talking about a world... it is not easy to do timing...
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@xsimon90x I don't want to do timing, I simply started with PAC instead of doing PIC even though I had the possibility, now since I am invested, for the remaining cash I will do a PIC or hybrid situation..
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