Aloha,

Which is best USA ETF for core satellite strategy.

Here are my various considerations:

MSCI World e.g. $IWDA (-1,03 %) or $HMWO (-1,05 %) :

With these ETFs, around 70% is invested in the USA and the rest in industrialized countries. The allocation should adjust automatically based on the market capitalization and thus always run towards the optimum. (unfortunately China not yet included)

S&P 500 e.g. $VUSA (-1,13 %) :

Here you are invested in the 500 most successful or largest companies in the USA. The good thing is that the largest companies generate most of their sales globally (including in China).

As an alternative to the S&P 500, there is also the MSCI USA:

I have the feeling that this index is very unknown, but it performs slightly better than the S&P 500 and there are favorable ETS on it and also many factor games, if desired.

Nasdaq100 for example. $EQQQ (-1,48 %) :

The largest companies listed on the NASDAQ stock exchange. Contrary to what many believe but do not know, these are predominantly US companies, but not exclusively. For example, companies such as $ASML (-0,72 %)
$MELI (-4,31 %)
$AZN (+1,03 %) and others are also listed on the Nasdaq B. and are part of the QQQ Index. This index is a little more attractive but beats the S & P 500 in the long term.

Now I have a headache. Which one should I buy for my USA Core?

We currently have just under EUR 16,500, which was originally earmarked for an unscheduled repayment of the property loan 🏠. Until recently, the money was in a Trade Republic account with 3.00% interest, which is now being reduced to 2.75%. Combined with the APR on the loan and inflation, however, this amounted to a zero-sum game. Not particularly smart - but since the money belongs to both me and my wife, you have to make compromises every now and then. 😄

But now we would like to invest the amount in an ETF. Our current portfolio, in which the monthly surpluses are invested, looks like this:

• 50 % in the $HMWO (-1,05 %) (HSBC MSCI World ETF, distributing - until the exemption limit is reached, which will probably be soon 🫠 )
• 25 % in the $EQAC (-1,51 %) (Invesco EQQQ NASDAQ-100 ETF, accumulating)
• 10 % in $EWG2 (+0 %) (EUWAX Gold II, accumulating)
• 7,5 % in $EIMI (+0,06 %) (iShares Core MSCI EM IMI ETF, accumulating)
• 7,5 % in $QDV5 (-0,66 %) (iShares MSCI India ETF, accumulating)

In addition, my wife saves monthly in the $SPYI (-0,98 %) (SPDR MSCI ACWI IMI ETF, accumulating) with 155.00 EURto build up reserves for her private health insurance when she retires.

In addition, some of our money flows into call money accounts as an emergency reserve, and there is also an amount in the $XEON (+0,01 %) (Xtrackers II Overnight Rate Swap ETF C).

Now we are considering in which accumulating ETF we should invest the 16,500 euros and the future savings installment should be invested in. I would like to keep it as a separate or new position in one of the custody accounts, as the money will be invested in 17 years - after the fixed interest rate expires - to (partially) pay off the real estate loan. I'm also a fan of having different pots for different occasions. Each month I expect to have 250 to 500 euros in addition to the 16,500 euros.

Which accumulating ETF would be your favorite under these conditions?

Or simply, in one of our existing custody accounts additionally $SPYI (-0,98 %) (SPDR MSCI ACWI IMI ETF) separately from my wife's savings plan, as a separate pot, because it's already a good ETF anyway?

I look forward to your opinion!

Aloha,

I would like to sell the $EXI2 (-1,03 %) sell and shift into my remaining ETFs, but mainly into the $HMWO (-1,05 %)

Would you wait? Would you do it today? Would you at least wait for the next dividend payment (15.03.2025)? When might be a good time to sell? Would you then reallocate everything at once or, for example, split it over four weeks in a savings plan?

Here is my portfolio, in which I have entered the sales as purchases.

Briefly: What profits/losses have I lost since selling position XY?

Background information: I have been saving the $IWDA (-1,03 %) + $CSPX (-1,14 %) and a little $BTC (+0,73 %) - now only due to the size $HMWO (-1,05 %) - and from the beginning of 2020 to mid-2024 the 76 individual shares were also included.

Well, it actually looks quite good, why didn't you switch completely to individual stocks, you have some nice stocks in there? 1.9% dividend yield with 80% TTWROR

Quite simply: I'm not interested in the hassle - it's just too stressful for me

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Here's a comparison of the "what-if" portfolio with the actual portfolio:

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Now have fun browsing. Maybe one or the other will find a Tenbagger.

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Oh yes, exactly. Thank you @DonkeyInvestorthat was quite a task to grasp the whole thing, but I wanted to see it.

Mommy gets a deposit for Christmas.

Age: 60

Financial knowledge: zero

Interest in the topic: zero

Tax residency: Germany

Savings rate: 100 € per month

The custody account is to contain starting capital and savings plans and would probably be fed by me with €100 per month.

But how can I sensibly structure a custody account with such a short investment horizon? Because we already know that mommy will have a large pension gap and so far nothing has been done about it...

My original ideas were:

a) 100% $VWRL (-0,91 %) alternative an ACWI

or

b) 50% $VUSA (-1,13 %) or MSCI USA

35-40% $WEXU (-0,41 %) ( MSCI World ex USA)

10-15% $VFEM (+0,28 %) or $EIMI (+0,06 %)

But if you now think about the short investment horizon and the pension gap, perhaps something like the following would make more sense:

c) 50% $HMWO (-1,05 %) or $WEXU (-0,41 %) but this is only available on an accumulating basis

50% $JEPQ (-1,13 %)

What do the professionals among you say? Has anyone tackled a similar situation? What are your ideas and suggestions?

if you invest all your assets in e.g. $VWRL (-0,91 %) or $HMWO (-1,05 %) and the euro currency were to die.

Would that not matter because of the shares you hold and could you theoretically sell them again for another currency or is that complete madness because you bought in euros?

If that is not possible, what would happen and how can you counteract something like that apart from crypto and gold?

If the question is extremely stupid and unambiguous, I am already sorry and thank you for any answer.

Have a good year 2025 🙏🏻

and so begins the 6th year on the stock exchange. Keep expanding the core. It's great that it's now available in DeepDive!

Thank you for your constructive tips, suggestions and criticism!!! 👍🏻👌🏻 (@Chucky075 , @DADlikesCRYPTO , @Aktienmasseur , @Meikl_22 , @Dividenden-Sammler , @Berliner_Weltenbummler , @Epi)

I sat down and picked my portfolio apart. I evaluated each stock & ETF. I took a close look at the performance and dividend yield of the individual stocks and rated them according to points. Based on this points plan, I selected 6 ETFs for the new portfolio.

From 22 ETF titles, only 6 ETFs remain. I have selected the following ETFs:

• $HMWO (-1,05 %)
• 
  EUR 460.00 from the savings rate (approx. 82.14%)
• $AHYQ (-1,1 %)
• 
  EUR 40.00 from the savings rate (approx. 7.14%)
• $FUSD (-1,38 %)
• 
  EUR 40.00 from the savings rate (approx. 7.14 %)
• $EXH5 (-0,43 %)
• 
  EUR 40.00 from the savings rate (approx. 7.14 %)
• $XIEE (+0,13 %)
• 
  EUR 40.00 of the savings installment (approx. 7.14 %)
• $QYLE (-1,07 %)
• 
  EUR 40.00 from the savings installment (approx. 7.14 %)

All shares remain in place and are saved through savings plans. Furthermore, I have decided to leave the remaining 16 ETFs in the portfolio, but not to save any more.

The allocation of the portfolio should consist of 70% ETFs and 30% individual shares. The savings installment is EUR 800.00 per month. EUR 240.00 will be invested in individual shares and EUR 560.00 in the above-mentioned ETFs.

What do you think?

Do you have any tips or ideas?

Of course, I hope I've found the right approach now. 🙈🙊

Weekly at TR

$GGRP (-0,99 %)
$TDIV (-0,63 %)
$JEGP (+0,05 %)
$JEPQ (-1,13 %)
$FGEQ (-1,25 %)

It continues at Ing, but only monthly

On the 7. $SPYD (+0,62 %)
$VUSA (-1,13 %) and $HMWO (-1,05 %)

I hope I can keep up the pace with the savings plans 🤣 as they say @Simpson ? "For a simple man" (and I count myself among them) this will be a challenge. If so, and I hope nothing extraordinary comes up, then that's a great sum for me/us to put aside and create value.

Oskar is still marginally involved with the VL, but my employer is a bit stingy about that.

Happy new year, good luck in 2025 and, above all, stay healthy, otherwise it's all for nothing anyway. What you do for

The fund has the msci world as a benchmark and aims to outperform it over 5 years, it also performs better in the long term (see pictures) than $ACWI and $HMWO (-1,05 %) but also performs quite similarly... if you compare it to a pure tech etf it performed better than the Rothschild (msci world 30% tech, Rothschild 40%)

I'm actually more of a fan of etfs than funds, this is an experiment, let's see what comes out of it, but I'd be interested to know what you think of the Edmond de Rothschild fund house and what you think of the fund

happy new year