This is my boring portfolio. My goal is to build up capital more or less sustainably and generate a regular cash flow through distributing ETFs that I can live off in 10-15 years.
About the positions:
- 2x MSCI World, because my broker occasionally offers promotional ETFs for free savings plans. But I don't see any disadvantage in having it twice in my portfolio. In the end, this gives me a total allocation of around 22% and I have distributions in different months.
- Then we have the MSCI China $HMCH (-5,36 %) with an allocation of over 10% in my portfolio. I bought this ETF because I was aware of the strong undervaluation of the Chinese market and had hoped that there would be a sustained upward trend. Instead, the events of the last few days have led to a rapid rise, which has now also brought with it a certain downside potential.
- The Global X NASDAQ 100 Covered Call ETF offers a payout ratio of around 10% and distributes monthly. This ETF is no longer held on a regular basis but is only bought in the event of a sharp fall in prices. I could imagine that this ETF in particular will develop positively in times of crisis and bear markets with the covered calls and provide reliable distributions.
- I also have two MSCI World Factor ETFs, one Quality and one Momentum. These ETFs would theoretically be able to beat the MSCI World. However, these are two accumulators and therefore don't really fit into my strategy. Perhaps I will liquidate them.
- With the $PEH (-3,12 %) and the $IEMS (-1,5 %) I cover the emerging markets. Here the allocation in the overall portfolio is 6% and should rise to 1/4 of the MSCI World position over the next few years.
- Then I have a few low-weight ETFs, individual stocks and, of course, some gold and $BTC (+3,18 %) should not be missing.
I would also like to say that this is a snapshot in time. I am constantly trying to optimize my portfolio, but there are still one or two slips at the moment. For example, the $VWRL (+0,46 %) out soon.
I would be pleased to receive specific suggestions for improvement.
So have a nice weekend
