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Your swarm intelligence desired 😉


I started my ETF investments at the end of 2021.

So far, I have invested my money in the MSCI World without a concept (only $ISAC (+0,94 %) then $IWDA (+1,06 %) ), $IUIT (+1,5 %) and $IUHC (+1 %) . Dips were bought later and when prices were good.

I am a bit suspicious of the Chinese stock market because the government there can manipulate the market considerably - hence the move to the $IWDA (+1,06 %)


I also have the DWS funds that were set up for me as a child.


The shares are more for "playing".

As I haven't yet found a method for evaluating shares that gives me a good feeling, I'm still a bit cautious here.


$WQDS (+1,08 %) , $ESIT (+0,63 %) and $INGR I would describe these as missteps and will probably sell them soon.


Now I would like to go for a clean concept and invest in savings plans.

The aim is to secure my pension and build up my assets.


Now I'm just faced with the question:

What is the best way to weight my portfolio?


Core-Sattelite? - Are $IUIT (+1,5 %) and $IUHC (+1 %) Sattelites or already core?


50% MSCI World Core, 20% EM and 30% $IUIT (+1,5 %) / $IUHC (+1 %) ?


How would you proceed or what would your weighting look like in my portfolio?

I would be very happy to receive tips, suggestions and advice.


I'm a bit at a loss 😁

Thank you very much for your help

16Positions
243 795,58 €
59,53 %
7
21 Commentaires

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What do you mean by "clean concept"?

You are focusing 100% on B&H shares. No diversification across asset classes or strategies. That increases volatility. If you've only been in the portfolio since 2021, you've never experienced a deep bear market. This means your portfolio contains a high psychological risk. This can cost you 5-10% pa in the long term.
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All in all, I would sort the etfs here first, directly and I wouldn't try to cover every area.

Next, I'm an equity investor and I have a clear opinion on ETFs, better less than more.
In your stock selection, the German stocks can all go, see it as a lesson.
I like fortinet very much, the company with the best balance sheet in the whole security sector.

Here I would diversify as 2.
That means as tech take your Alphabet if you are convinced.
I would hold your fortinet or Amazon.

Then I would recommend diversifying the 30% stocks a little.
That means one asml for the industrial / semiconductor market.
Hermes for cyclical consumption.
A thermo fisher for the health sector.
A visa for the financial sector.

I would then relax, these are all very safe companies.
Then you can consider diversifying with precious metals or crypto.
That's really up to you.
That means you turn 16 positions into 8 positions in the best case, 3 etfs and 5 shares.
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sell/reduce both $IUHC and $ISAC, and into $IWDA.
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