--GER English version below

Dear congregation, I have a question for you: Leave it or Keep it?

I started investing toward the end of 2023 (aside from small amounts of crypto in 2021). I’ve bought various ETFs; the largest one is now $VWRL (-0,68 %) and is also linked to my savings plans.

I intend to keep it as the strongest holding in my portfolio, along with and $IBGX (+0,01 %) . In addition, $VWRL (-0,68 %) , I also have a savings plan in a relatively well-performing active fund focused on India Equity Large Cap. I plan to keep these two or three funds as the main holdings in my portfolio.

A while back, I shared the composition of my portfolio and asked for feedback. The issue was that I still own other small ETFs (e.g., $WFIN (+0,82 %) , $WENS (+1,02 %) etc.—along with others worth less than 1,500 euros).

Now the question is: Should I keep them? If so, until when? I don’t intend to put any more money into them, since I want to diversify across 2 or, at most, 3 benchmark ETFs (as much as possible). That’s why I plan to restructure my portfolio a bit.

Also, I’m not sure whether I should reduce my exposure to individual stocks. As you can see, I’m currently focusing on 6 stocks—5 of which are relatively growth-oriented, and 1 that is—if I may say so—more of a gamble. These are$NVDA (-1,85 %)
$LLY (+1,44 %)
$LMT (+3,83 %)
$ALV (+1,15 %)
$XOM
$ALFEN (-4,38 %) .

Am I overlooking something here? Or is the diversification good enough?

Time horizon: 10–15 years before I start selling anything.

---ENG

Dear community, a question for you: Keep it or sell it?

I started investing (aside from small amounts of crypto in 2021) around the end of 2023. I’ve bought various ETFs; the largest one now is $VWRL (-0,68 %) and I’ve also set up savings plans.

I plan to keep it as the strongest holding in my portfolio, along with $IUIT (-2,09 %) and $IBGX (+0,01 %) . Along with $VWRL (-0,68 %) I also have a savings plan in a relatively well-performing active fund focused on large-cap Indian equities. I plan to keep these two or three as the main holdings in my portfolio.

I shared the portfolio composition a while ago, looking for feedback. The issue that came up was that I own other small holdings of ETFs (i.e. $WFIN (+0,82 %) , $WENS (+1,02 %) etc... with others amounting to less than 1,500 euros).

Now the question is: Should I keep them? If so, until when? I have no intention of putting more money into them, as I’d prefer to have 2 or at most 3 benchmark ETFs that are diversified (to the extent possible). Hence my plan to restructure things a bit.

Also, I’m unsure whether to reduce my exposure to individual stocks. Right now—as you can see—I’m focusing on 6 stocks: 5 of them are relatively growth-oriented, and 1 more—if I may say so—is a bit of a gamble. These are $NVDA (-1,85 %)
$LLY (+1,44 %)
$LMT (+3,83 %)
$ALV (+1,15 %)
$XOM
$ALFEN (-4,38 %) .

Am I missing something here? Or is the diversification good enough?

My time horizon is 10–15 years before I start selling anything.

deodorhunter@deodorhunter

2Année

Hi! It’s a solid portfolio, I agree with you that all those sector ETFs are maybe too many.
I would probably get rid of the e-cars one, also the aex. Energy has already a big correlation with Exxon, I would wait out short term possible jumps due to Middle East tensions and then get rid of it.
Financials also, but at the end of the year. You could pick a couple of solid players with the amount and save them some more. Like Visa/Mastercard or even Berkshire
Healthcare, due to its defensive nature, I would keep instead

•

Brig@PROS

@deodorhunter Thanks a million! Very clear

••

Cyberpunk@RSCologne

I don't think much of the sector ETFs, because there is a lack of traceability to the index and comparability, and the fees are often higher...
That would be something for managed funds.
With a 10-15 year horizon, I wouldn't (yet) invest in government ETFs either. At the moment, overnight money with deposit protection yields more. You can always buy it later from capital gains at less volatile prices.
I'm also missing a EuroStoxx 600 ETF for a European. But India seems like a good idea to me! All in all, too much USA for me (but not easy to avoid with global ETFs). I don't see any disadvantages if there are many ETFs that provide good diversification. Fees are not higher/worse, only the "clarity" suffers. But that's what you're here for...
Rather, you have to realize that an ETF with a lot of competition could be closed down at an inopportune time.

Scepp@Scepp

Yeah $ALFEN! Good luck with that! I know the products well (and think they're great too) and have invested a bit there too. Not at a good time though 😄