Hmmm... well, I'm 46 and only started this year (also with the focus that I'll simply have more when I retire). The problem I see is that a dividend payout takes away too much of the performance possibilities (disadvantageous tax effect) - please read the advantages and disadvantages of accumulators/payouts....
I (unfortunately) also have (too) many ETFs running. (60% ETFs/40% equities = core satellite). I like security, but I would like to take a little more return opportunities with me... works quite well so far.
My allocation (based on my entire portfolio):
- MSCI Word (the classic) 35 %
- S+P 500 TOP 20 (VERY VOLANTIL, but highest return opportunity!) 5 %
- MSCI China Tech (I believe in the market for the next 10-20 years) 4.8 %
The following 3 still with a very small savings rate:
- Asia Pacific ex Japan Equity etf (4%) and
- MSCI Eur.Fin.Se. Reg. (3%)
- MSCI Japan (2%)
.... as balance/diversification ...
All ETF's are saved monthly by me. The big ones are supposed to run until 15 k each and then I save a similar one further (FiFo for payout already take something into account)...
I (unfortunately) also have (too) many ETFs running. (60% ETFs/40% equities = core satellite). I like security, but I would like to take a little more return opportunities with me... works quite well so far.
My allocation (based on my entire portfolio):
- MSCI Word (the classic) 35 %
- S+P 500 TOP 20 (VERY VOLANTIL, but highest return opportunity!) 5 %
- MSCI China Tech (I believe in the market for the next 10-20 years) 4.8 %
The following 3 still with a very small savings rate:
- Asia Pacific ex Japan Equity etf (4%) and
- MSCI Eur.Fin.Se. Reg. (3%)
- MSCI Japan (2%)
.... as balance/diversification ...
All ETF's are saved monthly by me. The big ones are supposed to run until 15 k each and then I save a similar one further (FiFo for payout already take something into account)...
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