1Sem.·

I have analyzed my portfolio in depth

And would now like to replicate it with low-cost ETFs as follows:

My focus will remain on the USA as a seed investment and should account for around 40-45%

Then I would like to have a 20% weighting in Europe. Here I will still have to look at whether I use my existing ETFs for this or go for a broader one, for example: MSCI Europe

Followed by 10 % Japan. As an economic recovery is underway here and monetary policy is good.

Another 10% in an ETF on Switzerland, strong currency, stability, low inflation.

Then the most important, emerging markets and China with 10 %. I don't need to list any reasons here because they are simply the best

and last but not least, 5-10% in commodities and inflation-protected bond ETFs.

questions that texts from fortune cookies could not answer:

Do you guys have any suggestions for improvement? Has anyone implemented a similar portfolio? Can you recommend specific ETFs that are tradable in Europe? I am not at all familiar with commodities and bonds in particular, but I would also be happy to receive other ETF recommendations and additions.

39Positions

0,22 %

7 Commentaires

wasi@wasi

1Sem.

How many ETFs do you still want to have? I would rather merge them.
And without absolute values, an "analysis" of other users makes no sense. 39 positions, no matter which ones, make no sense with a small portfolio. I hope you have at least > 50K

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Jun@Ji_hyun

1Sem.

@wasi I am very rich. I'm doing very well without absolute values. The percentage breakdown is important.

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wasi@wasi

1Sem.

@Ji_hyun Good luck then!

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Banana M.@Banana_Millionaire

1Sem.

@wasi
What is the problem with the number of ETFs?
As long as there is a plan behind them and they are deliberately chosen to achieve the desired allocation, everything is fine.

Admittedly, many ETFs are often an indicator that the investor doesn't know what he's doing, but I don't see that in this case.

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wasi@wasi

1Sem.

@Banana_Millionaire It is not a problem, but overlaps, high costs, complexity and tax disadvantages make it unnecessarily complicated. Basically, this is just an attempt to map the overall market, perhaps with a few % difference to the All World, but at significantly higher costs and effort.

//Is it always the case that as a premium user I cannot use DeepDive with other public portfolios?

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Banana M.@Banana_Millionaire

1Sem.

@wasi Overlaps can be deliberately controlled and regulated with DeepDive, for example.
I also only see higher costs to a limited extent. Of course, the TER for an overall package such as the All-World is usually much cheaper than individual countries or regions.
Nevertheless, the higher costs are really limited (assuming that investments are made free of charge via a savings plan).
Complexity would have to be defined more precisely.
I don't see any tax disadvantages at all. I'm happy to clarify, but why do you pay more tax with several ETFs than with one?
More complicated and more effort, but most people certainly enjoy it and don't see it as an effort.

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wasi@wasi

1Sem.

@Banana_Millionaire As described, DeepDive is not possible with third-party portfolios - I would like it to be. I realize that this is done on purpose, I also overweight India.

I wouldn't underestimate the costs, with a value of 50k the difference is e.g. TER 0.07/TER 0.40 165€ per year... At an average 7% after 20 years, that's over €7000

Of course, you don't pay more tax with more ETFs, but you should still choose them carefully. I'll throw around terms like partial exemption and withholding tax.

Fun should of course not be neglected, but return > fun. Feelings should be left out of the stock market.

//It's just my opinion

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