Ironman (@Ironman2022) sur getquin

@Ironman2022

9Mo·

Dear GQ community,

Thoughts on the subject of PF rebalancing:

I am running my two ETFs ($SPPW (-0,37 %) / $XMME (-1,54 %)) with the classic 70/30 weighting. Small caps should be added soon. Of course, rebalancing is not rocket science here.

If you look into the subject of rebalancing, you will come across all sorts of different ideas. There are even online calculators etc.

I don't think rebalancing by selling and reallocating is a good solution. When you sell securities or assets that have performed better, you also trigger a tax payment (in🇦🇹 unfortunately there are no tax-free allowances). This money is then gone, which is a shame.

That's why I'm in favor of rebalancing exclusively via purchases and savings plan adjustments.

How do you see this, do you think about it, is it relevant here?

10 Commentaires

Malte@Malte123

9Mo

Would also only solve the rebalancing via individual purchases/savings plans. Theoretically, however, this is already active investing again, as if you buy into the weakness you would assume that it will improve again in the foreseeable future.

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Gerit@Gerit

9Mo

If this is important to you, it is better to adjust the balance with additional purchases, which also has something of an "anti-cyclical" effect.

If it can't be balanced because the sum is already so high, then that's just the way it is, the long-term prospects don't change and ultimately it's the invested capital that matters in the distribution and not what comes out at the end, as long as it's a lot more 😃

But maybe it's also dangerous half-knowledge, I haven't dealt with ETFs for years.

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PowerWordChill@PowerWordChill

9Mo

Personally, I only rebalance by making additional purchases.
But don't make a science out of it, it's best to define a range within which the positions can move, then you don't have to intervene so often.

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