1Anno·

Hi everyone !

I plan on investing EUR 1,500 per month (15+ years horizon) into these 9 ETFs and keeping the same allocation in %:

25% $CSPX
15% $LU0908500753
14% $VHYG
14% $JPHE (-0,38%)
10% $IGLN
9% $EMXC
4.5% $CSUKX
4% $XDWM
4% $XDWH

the AI analysis says it is well diversified but some human input would be much appreciated!

thanks in advance for any input 🙏

9Posizioni

3,24%

8 Commenti

beardonfire@beardonfire

1Anno

It doesn’t show the % allocation. Another thing why just not invest in 1 like $SPYI?

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Jarvan IV@profit_mogul_522

1Anno

@beardonfire thanks for letting me know! I have just edited the post to give the info

I considered this option indeed but I would feel less comfortable having only 1 ETF because it would have less flexibility to rebalance the portfolio ;

because they have different growth profiles but my goal is to keep a balanced split among geographies and sectors (it’s currently 60% exposed to the US and would like to bring it down to 50% and also keep technology at 20% instead of 25% currently)

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Uwe@SchlaubiSchlumpf

1Anno

I would throw out the high div, the last 3 too, scale the rest up accordingly and then throw it into a backtest.
The Japan share is already quite high. But if you like it... that's just my view of things. You can also throw this combination into a backtest for comparison (if they are possible far enough back) and compare the results. (Attention: the period under consideration should be the same), less than 15 years makes little sense) could therefore be difficult in your case.

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Jarvan IV@profit_mogul_522

1Anno

@SchlaubiSchlumpf thanks for the input!

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Uwe@SchlaubiSchlumpf

1Anno

@profit_mogul_522 oh you asked in English. Sorry forgot. I hope the translation of getquin worked fine?

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Jarvan IV@profit_mogul_522

1Anno

@SchlaubiSchlumpf It’s automatically translated so no worries :)

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Harris K.@Kiakotos81

9Mes

I have quite the same. One S&P, the Euro Stoxx, the Vanguard High Divident but I add also the Msci ex Us (for diversification). I didn’t want to split into many etfs. I believe 4-5 are enough.

On the contrary who am I to tell you anything, Better stick to few etfs.

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Nic@my_profit_potential

2Mes

Splitting up a global gives you 2 pluses IMO, firstly control over portions in case you want to focus more in one area. The con to this is periodical re-balancing that a global does automatically. The second is fees, given that you can have S&P500 for TER of 0.03% and this be 60-65% of your portfolio, it vastly reduces the cost $SPYI has TER of 0.18% and you can achieve under 0.08%. So if you start with 10K and invest 3K pa for 15 years you pay 3.6% of your total investment in fees for a global and 1.6% for the multi-ETF, and the gap only gets bigger over time.

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