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4 ETF Strategies: Are They Worth It?

I'm currently investing in 4 ETFs and am wondering if it might make more sense to cut that down to 2 so I can put more money in each month.

Right now:

$IWDA (-1,25 %)

$EIMI (-5 %)

$ZPRV (-0,65 %)

$ZPRX (-1,09 %)

I’d drop the small-cap ETFs; the monthly contribution would be 100 euros for each.

I’m curious to hear your thoughts :)

15 Commentaires

Yoshika 🦋.@Yoshika

So, looking at it purely from a mathematical perspective, your savings rate stays about the same 🤔

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user0f6b1709c7ef430d@user0f6b1709c7ef430d

I would stop investing in those four (not sell them) and, from now on, put my entire savings into an ACWI IMI ETF.

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Stulle 🥪@Stullen-Portfolio

Four ETFs are awesooome! 😁✌️
The Stullen portfolio also has four! ✅🚀

...and yes, small caps are dispensable. ⚜️

Cheers
🥪

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Wealth-Accelerator@Wealth-Accelerator

I also started investing in various ETFs at the same time, and to be honest, I found it annoying.
I then consolidated my savings into an ACWI IMI and was happy to see a new thousand-mark milestone hit every few weeks. It just annoyed me to see a single position gaining +100 euros a month.
Having my entire savings plan focused on a single position motivated me much more to throw in an extra hundred every now and then 👍🏼
But as the previous speakers have said, it’s a matter of personal preference—and it should feel right to you 😉

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Uwe@SchlaubiSchlumpf

I see it much the same way as Stulle does: @Stullen-Portfolio! I think all four are great. The Small Value ones are a trade-off: more volatility, higher theoretical expected return. No one knows how it will actually turn out.
I think they’re great and have both in my portfolio, making up a total of 30%.

But basically, they’re not essential.

The question is, what are you hoping to get out of them? Why do you want to shift more into $IWDA and $EIMI? Do you no longer believe in a small-cap value premium, is the volatility too high for you, or do you just want more money in $IWDA?

For EM, you’d still have small-caps in the $EIMI

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NichtRelevant@NichtRelevant

23H

Technically speaking, whether it's four or two hardly matters—it's a matter of personal preference. Of course, you can see the "accumulation" more clearly when you're investing in just two ETFs, and that might give you a little more motivation.

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Daniel@Hin-und-Her

I do it almost exactly the same way, except instead of the Small Cap Europe, I invest in the "regular" one, and instead of your other Small Cap, I invest in the All World High Dividend. It is a bit redundant that way, but I don't want to keep changing it all the time...

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edumarbar@emppsb

I would not invest the same amount in every etf, I would do something like 70-10-10-10. I think would also be better to change one small cap etf for something like $SEMI $IUIT

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sodium@TomCOR

You must have had a reason for your choice. Why switch now? Was there a mistake in your thinking back then? If so, then of course you should change it. If you want to invest more in general, maybe you can make some adjustments on the spending side and use that to fund the world.

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Luggi06@Luggi06

@TomCORI did it this way because I wanted to cover most of the world, and small-cap stocks weren't represented that way—plus, maybe there's an extra return. And I decided against an ETF so I could weight the portfolio the way I want; I'm just wondering if I'd get a higher return with two, since I'm saving more.

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Thomas@Thomas_1963

I'd drop one of the small-cap ETFs. Other than that, it's a very good selection. 👍
By the way, I have six ETFs.

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Luggi06@Luggi06

@Thomas_1963 I've thought about that, too. The question is: where do you get a higher return—the U.S. or Europe? I actually hold European assets so as not to be overweight in the U.S.

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Uwe@SchlaubiSchlumpf

@Luggi06 Why do you get a higher return in the U.S.?

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Luggi06@Luggi06

It's just my assumption—since Europe is struggling with many problems—but of course that doesn't necessarily have to be the case.

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Daniel@Hin-und-Her

I think the U.S. has far more problems to deal with.

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