2Année·

Hey guys ✋ I recently joined and am creating an outline of how I am setting up my portfolio (ETFS and stocks) for the future through podcasts, extraETF and financial flow.

The portfolio currently looks like this:

$VWCE (60%)
$EIMI (15%)
$VVSM (-2,04 %) (15%)
$GLUX (10%)

I find the mix of classic (All World & Emerging markets) and "theme ETFs" (semiconductors and luxury) appealing in perspective. And Europe $MEUD (vll also to be represented regionally) is still open as the last position. The investment horizon is 25-30 years.

But I also realize that I am interested in stocks and have put together a first selection here as well:

In the stocks I see partly great future potential as well as a nice dividend.

I would just like to hear your feedback, how you see the composition. But also which ETFs and stocks you are watching or have in your portfolio.

Thank you!

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8 Commentaires

VP@VPT

2Année

Moin Kjell, thanks for sharing. Cool that you are with me. I also have an All World, serves as a basis optimally and I like the country diversification in general also. In the emerging markets I have decided against an extra ETF to include, because I am enough for the scarce 10% share in the All World. These can also shift according to market capitalization. The weighting of China / Taiwan is too high for me. Especially since I want to keep it simple, without great rebalancing. A semiconductor ETF I would save at most up to a certain amount, then leave it. I will do the same with my Global Clean Energy. As a colleague here has already written... at the horizon of 30 years... you have to consider whether a sector can beat the market throughgebend? Probably not 30 years. Therefore, at some point, the focus should change when the industry has done its job. Of course, you won't be able to tune it. And guarantees there's as known nowhere. At the luxury ETF make just looked in via getquin... the top 10 positions have at the "first" glance not too much to do from feeling. ETF description gives there information. I would throw out the colleague... Whether you do not blow up the frame with an additional Europe ETF remains everyone overloaded. 5 ETF would be for me probably again too much. IMI, "Luxury" and Europe I personally would not hold next to the All World. To your individual values. I would like to have my portfolio already somewhere clearly. At the beginning I wanted to take also zig shares with purely. But really ask yourself what your goal is with the single stock. Diversification can't be it, because you are already well served with an All World as a core. I scroll through the list of companies from time to time and always think to myself "oh great, I'm already investing in the best companies". e.g. Allianz... this has always been a consideration for me... but why should I include this share? Dividend... why do I need a dividend... I am in the asset accumulation, the dividend brings me no price gain for the time being and only exchanges.... money to the clearing account... Depot value lower. Then you also had to take care of reinvesting dividends. (of course, everyone can decide for themselves) I have to remind me again and again and ask why I should buy individual shares, usually I come to the conclusion makes no sense. (For me) I do it anyway, but only for the reason to have what you can follow, so that it is not too dull with pure ETFs. LG

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Joris@Joris

2Année

Hi, I am a bit skeptical about sector ETFs with an investment horizon of over 25 years. Don't think they beat the market. Would make there stock pack, but is my opinion. Do you really want to overweight emerging markets so much? These are already with 10% in all World, so you have emerging countries 40% weighted. How did you come exactly on this stock selection? I don't see any strategy behind it, some of them are good stocks. I find your argumentation to the shares a bit thin. Maybe you can say something more about it.

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Kjell@Kjellson

2Année

@Joris Sorry, I correct: Emerging Markets 15% (I calculated wrong). The stock selection follows different points: - In Software & Cloud I simply see a great opportunity as well as that they are currently undervalued : $GOOG & $PLTR - solid dividend, therefore $ALV & $SHEL - Renewable Energies in Germany, therefore $RWE Hope I could explain my selection a bit better.

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Joris@Joris

2Année

@Kjell ok, but I would reconsider emerging markets etf. An All World is already pretty good. As a supplement to the All World I have taken the $IUSN. You have to think about exactly what you want with individual stocks. I would commit myself to a strategy. Dividends, growth, megatrends etc.. I think with the mixture you destroy some yield. I have chosen growth, because I want to build up wealth. In order to still get dividends in old age, I save next to the $VWCE the $VGWL. I don't have to worry that it doesn't beat the market, otherwise you don't buy shares first and then get feedback. And what I have learned is, you can not dance at every wedding ;) so you can not own every stock directly, except with an all World. There you have almost every company in the world :)

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yieldhunter@randomdude

2Année

On themed ETFs, check this out: https://capinside.com/c/thematische-etfs-nichts-fuer-passive-anleger I also agree with @Joris on everything else.

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Kjell@Kjellson

2Année

Hey, thank you guys. Appreciate any thoughts and it helps me focus more on what's important. Then I ask another question, why are there all these "theme ETFs" when the concept of an ETF is retirement investing? I find the semiconductor sector mega interesting and believe that it will still perform in 10 years. Whether it will still beat the market in 30 years is definitely questionable. Conversely, does this mean that I should focus more on equities when it comes to themes and niches?

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VP@VPT

2Année

@Kjell hi, if you comment under your own post without linking to anyone, no one will notice.

The idea behind theme ETFs is that you diversify within a "theme", e.g. semiconductors.
Very few people manage to do stock picking successfully. So you think you can pick 1-2 companies in the theme that can beat the market for e.g. 20-30 years, or that you feel comfortable with for at least the next few years?
Because that's not for most people, there are theme ETFs. You diversify within the sector, as you don't know which share will prevail in the end and which will disappear into insignificance, but generally assume that the sector will outperform. The ETF is then regularly balanced. The winners are weighted higher, and the losers may be thrown out at some point.

LG

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SharkAce@SharkAce

2Année

I also find Palantir very exciting, but so far everyone (including me) has burned their fingers with the company, so my advice to you is to wait until there is something solid and the company becomes more than just a huge speculation.

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