3Mon·

Etf savings plan

I am currently saving the $VWCE (-0.04%) and the $WSML (-0.09%) . I will spend a total of €200 on both. Would I be better off dumping the MSCI Etf and putting everything into the FTSE or sticking with the strategy?

11 Comments

MrSchnitzel@MrSchnitzel

3Mon

Huhu,
So it depends on several factors...
How old are you, your goals, how much of a risk taker are you? Etc.
In your case, I would put everything in the All World.
You already have emerging markets etc. in there and a good diversification.
Maybe I would add some Bitcoin, but that's up to you.
Greetings 😁

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Fritz04@Fritz04

3Mon

@MrSchnitzel I am 22 years old and want to have something for later in addition to my pension. I already have Bitcoin.

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Fritz04@Fritz04

3Mon

@MrSchnitzel Thank you for your contribution. I haven't been in the game for long and am trying to invest a little more riskily but in moderation.

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MrSchnitzel@MrSchnitzel

3Mon

@Fritz04 Gladly, ok then maybe an All World is too defensive...
But everyone invests differently and has different ideas and strategies.
It's good that you already own Bitcoin 😊👍
You can possibly add a tech ETF like nasdaq100, S&P500 Information tech or AI & Big Data as a satellite and the All World as a core, but it also depends on the size of your portfolio if you don't have a larger portfolio yet, I would first put everything in the All World and then expand your portfolio later with the tech ETF or shares.
E.g. 50% All World, 30% Tech Etf or possibly also shares (but only if you have experience in them) and 20% BTC.
For me (I'm 24 and will be investing for at least another 35 years), only an All World would be too defensive and low-yielding.

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Fritz04@Fritz04

3Mon

@MrSchnitzel My portfolio is still relatively small. The portfolio already includes stocks such as Xiaomi, Allianz, NVIDIA, etc. I'm currently trying to avoid shares and put everything into ETFs.

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MrSchnitzel@MrSchnitzel

3Mon

@Fritz04 For smaller amounts, I would leave shares for now.
Then concentrate on your Etf for the time being.

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KingC@RaphGM

3Mon

Why are you saving at $WSML?

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Fritz04@Fritz04

3Mon

@RaphGM to give emerging markets a higher weighting.

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Banana M.@Banana_Millionaire

3Mon

@Fritz04 but this is a small cap ETF that does not contain any emerging markets. Maybe mistyped?

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KingC@RaphGM

3Mon

@Fritz04 As far as I know, you are questioning your original strategy.
So my question was precisely aimed at getting you to question the conditions under which you identified this strategy as relevant and to see whether these conditions have changed or not, and whether you should change your strategy or not.
Only by asking yourself the right questions can you make the right decisions, in this case whether you want small caps or not.

No one here will be able to tell you what to do if they don't understand your original thought process.

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Fritz04@Fritz04

3Mon

@Banana_Millionaire Yes, you're right, I made a mistake. I didn't mean developing countries but small caps.

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