6Mo·

ETF allocation

$SPY5 (-1,23 %)
$VWCG (-0,63 %)
$EIMI (-1,06 %)
$WSML (-1,22 %)
$VJPB (-0,19 %)
$CPXJ (-0,38 %)

Which of the three allocations do you think is best for a monthly savings plan? Or would you do it completely differently? If so, how?

I'm 30 and have a long investment horizon.

I already have these ETFs as core and don't really want to sell, otherwise I'll have to pay a lot of tax.

10 Commentaires

Epi@Epi

6Mo

What justification does Mr. GPT provide for the respective allocations?

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Dominik@Dominik_76

6Mo

Do a backtest with Curvo and compare the result with, for example, an ACWI for the same period. I recently compared a similar country allocation with 4 similar country etf on the msci with the msci world and over a term of 24 years from 2000 to 2024 the return p.a. was approx. 1-2% higher than with the msci world with a 40-20-20-20 weighting.

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Snopy@Snopy

6Mo

@Dominik_76 unfortunately you can only compare until dec 2022 :(

But from 2005 - 2022 the increase is the strongest with 48% USA with 8.61% per year on average compared to 7.62% of the FTSE all world.

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6Mo

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Snopy@Snopy

6Mo

@_Hippo_ I am well aware of this, but unfortunately this is the only way to measure the performance of a strategy. As you say, you can't predict the future.

That's why I find it difficult to say that everything in the FTSE or ACWI is the best.
Sure, it's certainly the easiest. But nobody can and will be able to say whether it is the best.

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Utilisateur supprimé

6Mo

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Snopy@Snopy

6Mo

@_Hippo_ Thank you very much for your answer.

Sure ACWI IMI or FTSE is the easier investment as you just powder everything into one ETF.

I have now done a backtest from 2005-2022 (unfortunately Curvo only goes up to 22.) There the FTSE All World has achieved less return compared to the 3 portfolio proposals.

I always ask myself: What does it mean to invest money efficiently? There are so many strategies and ways to invest money. How do I know which one is the "most efficient" or "best"?

Of course I could just save in the FTSE from now on, but somehow I find that boring and I don't want to have another ETF in my portfolio now.

If so, then just 1 ETF and that's fine. But it's not worth it at the moment because I'll have high costs due to selling and taxes.

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