1Mo·

Roast my concept...

...you have all become my most valuable advisors here. Every day you prove to me that you enjoy investing and know your stuff.

I am satisfied with my portfolio, but it is too complicated and could be simplified. That's why I'm toying with a new concept until December 2026.

My current portfolio should be streamlined by then and follow a clear long-term line. The tax burden would be devastatingly low in the event of a partial sale if gains and losses are offset against each other.

You are welcome to evaluate, root for, criticize or whatever you like about the future concept here and now 😄

The plan looks like this:

41% of the portfolio size should henceforth $IWDA (+0,51 %) be

10% $XMME (+0,61 %)

10% $WSML (+0,6 %)

8,5% $GGRP (+0,23 %)

8,5% $TDIV (+0,07 %)

I would sell the FTSE, the other dividend ETFs and the individual stocks. This should reduce the TER slightly and with 9 total positions it would probably not only be clearer but also yield-optimized at best.

I look forward to your opinions on this.

Thanks as always, good returns to you all and best regards

_EvD_ 😊

18Positions

244 548,04 €

24,85 %

53 Commentaires

CrashBurner@Psychedelic_Sunflower

1Mo

So if you want a new concept, leave out all the ETFs and put everything that concerns equities into an ACWI. Then add Bitcoin and gold with at least 15% each and the thing will fly.

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Voir toutes les 40 autres réponses

Olli@Olli68

1Mo

I would take a EUR-hedged world ETF. The weakness of the dollar will continue.

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Epi@Epi

1Mo

How are we supposed to advise you if you don't even know your return targets, time horizons, risk aversion, stock market knowledge and willingness to work? We can only guess... 🤷

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Voir toutes les 3 autres réponses

Marco@Marco-VI

4Sem.

Oh dear, I'm so tired, I confused you with @Simpson for a moment and was shocked to see your post limiting you to 9 positions😆😂

I wouldn't change too much, it's doing well on the whole and you would be paying unnecessary taxes, Microsoft is a self runner for me personally and you get less capital out of it through taxes than it's worth just to put it into an etf, which has microsoft as one of the biggest positions and buy it back in.

What is your goal? Do you want to spend less time on the stock market? Then of course it makes sense to liquidate individual positions.

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Kai@Dividenden-Sammler

1Mo

$IWDA and $CSPX together - what's the point? And then the $XMME? If I were you, I would take the $VWRL or $VWCE instead of the 3 ETFs and you would actually have the same thing. You can leave the rest as it is.
If you want it even more compact, you can also use a $SPYY or $ACWI (or similar) for $IWDA, $XMME, $WSML and $CSPX. In my opinion, you have a lot of potential for improvement with the ETFs. Or did you choose the variant based on your accumulated profits and the tax burden?

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_EvD_@_EvD_

1Mo

@Dividenden-Sammler Thank you for the quick reply. The initial "turnip and cabbage" impression is due to my buy and hold approach. The CSPX is now 85% profitable, so it remains. Although this increases the overall US share, it is still within reason. The same applies to the IWDA - the IWDA / EM / Small Cap on its own is 70/15/15. Together with the dividend satellite as a 20% admixture, these crooked figures come out if the value share is to be 85% of the total portfolio value. So my long-term approach is actually Core - Satellite 80 Value Growth + 20 Dividend. Cash / gold / BTC as diversification and security (gold/cash) or risk element (BTC)

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Max@Divident_e

4Sem.

Too many ETFs with the same content

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Maximilian@Max095

4Sem.

Hey, I think your portfolio is very strong. 😊How old are you? Why don't you invest more in dividends?

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beardonfire@beardonfire

4Sem.

I like your current portfolio, why do you want to change it at all?

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Arthur@NasdaqNinja

3Sem.

It’s worth choosing LU1190417599 over LU0290358497: both track the same index and have identical costs, but thanks to daily compounding, the Amundi Smart Overnight Return UCITS ETF Acc delivers higher returns.

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