9Mo·

Simplify your portfolio?

Hi, I have been moving my main ETF from the $XDWD (-0,35 %) to the $VWCE (-0,27 %) MSCI.

As the market wasn't doing so well at the time, I decided to hold the MSCI for the time being until I get a bit more return.

Do you think I should let both run or should I switch the $XDWD (-0,35 %) into the $VWCE (-0,27 %) put it in the

Greetings and have a nice WE ❄️

29 Commentaires

Lukas M.@Lukas2998

9Mo

I try to keep my portfolio as simple as possible. With the low profit in XDWD, I would simply switch to the VWCE. Then it is important not to change the strategy and simply continue to save in the VWCE. That way you have everything you need.

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SceanInvest@SceanInvest

9Mo

Everything into the $VWCE
Time in the market beats timing the market. The FTSE has even more smaller companies in its portfolio (mid cap definition differs between FTSE and MSCI) +10% EM.

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Sparfuchs@Reinecke

9Mo

Why ? 😱😱😱

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niemalsinsolvent@niemalsinsolvent

9Mo

@Reinecke so that it is clearer

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Sparfuchs@Reinecke

9Mo

@niemalsinsolvent but wouldn't it have been clearer to just keep the old ETF? Otherwise, get out of one and put the capital into the other. It should be a 1:1 number, as they both track similar values.

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niemalsinsolvent@niemalsinsolvent

9Mo

@Reinecke Exactly, I had put the value of the old one into the new one - as a redeployment - but kept the old one for the time being, as it wasn't doing so well at the time...

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MoneyIncinerator@DoppelSchlechtMinus

9Mo

@niemalsinsolvent But this is not a good criterion. The worse the old one is doing, the more favorable the reallocation is from a tax perspective. And you are aware of the correlation, i.e. if the old one rises again, the new one will rise anyway.

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Papa@Papa8

9Mo

In my opinion, you can run both. If you save with a savings plan, the price won't change.

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W. M.@W0io

9Mo

Let them both run

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9Mo

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Papa@Papa8

9Mo

@Seebi Why counterproductive? I don't see a problem.

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Tütenraudi@Tuetenraudi

9Mo

@Michi8 I don't see one either. It's latte

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9Mo

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Julian@MoneyISnotREAL

9Mo

@Seebi TER is a percentage.

Whether you have 2x €50,000 at 0.2% each or
1x €100,000 at 0.2% doesn't matter 😉.

There is nothing wrong with having both MSCI & FTSE.

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9Mo

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9Mo

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niemalsinsolvent@niemalsinsolvent

9Mo

@Seebi It is a shift from one to the other, they should not run in parallel.

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Julian@MoneyISnotREAL

9Mo

@Seebi Actually, he did. He first saved in the FTSE, i.e. with emerging markets.
Due to the performance and his own requirements, he is no longer satisfied with this and is saving in the MSCI (i.e. without emerging markets).

Simply leave the old ETF where it is, otherwise #Steuern = less capital = destruction of interest.

In addition, he can avoid the FIFO principle (i.e. sell the most recent shares first => lowest profit => lowest tax burden) when deconsolidating later.

I have it the same way.

First saved in the FTSE, but have now switched to the MSCI. Let's see later, maybe everything, so ACWII. 😉

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Julian@MoneyISnotREAL

9Mo

@Seebi If he also thinks that NASDAQ is doing better than the world ETF, then he can of course add that.

But then you have a higher cluster risk. With the world ETF, you are simply satisfied with the average market return.

He has to decide that for himself. I don't know the future either, which will be better in 30 years' time.

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Julian@MoneyISnotREAL

9Mo

@niemalsinsolvent Then switch if you think you don't want any emerging markets.

There's no point in waiting until there's more return. Both will perform very similarly.

Just note: profits => tax => less capital than if you just leave the old ETF in place

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