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A hefty savings sum. If you continue like this, you'll be a millionaire in 22 years with an average of 7% p.a.
I wouldn't reallocate anything and I wouldn't complicate everything - with your savings rate of €1500, you can always take up new positions from time to time. I would include $EWG2 and Bitcoin, leave the rest as it is
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@wasi Thank you! 💪 The savings rate is currently my biggest lever.
When rebalancing, my main concern is not to double weight the USA (because of $VUSA + $VWCE).
$EWG2 and I want $BTC as a small addition. Cool that you see it the same way!
I'm trying to keep it lean but balanced overall. 🙌
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@Lugu2003 Yes, I understand, but if you don't use an ETF directly in EM or Europe, overlaps are usually unavoidable. With Premium, you would have the opportunity to look at all your shares in the ETFs in detail (%) in "DeepDive" - but that will be really deep.
If you really want to get rid of the S&P500, then please, you are still within the exemption amount. But for me that would only be cosmetic, I would simply stop it.
$EWG2 Safe haven, and you also want to play along with $BTC. Both perfect additions. I also have both (although Bitcoin is now my 2nd largest position, with just under 14% - which was never actually planned because I also invest rather conservatively)
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@wasi Yes, fair point, there's hardly any overlap anyway. DeepDive sounds exciting, I'll have a look at it when I get the chance.
Simply stopping the S&P500 instead of selling because of a few percent sounds really sensible.
And wow, 14% Bitcoin! 😅 For me, it'll just be a small savings plan addition for now, but who knows.
Thanks for sharing in any case!