2Anno
I would take the $VGWL instead of the MSCI ACWI. I would leave out the rest. Instead of bonds, rather overnight money or time deposits. If gold is added later, then I would rather take $EWG2 or $4GLD or physical gold. Adding gold is probably only worthwhile from a larger portfolio size and then rather about 5% (max 10%). PS have myself only started with 44.
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@six Thank you 💪🏻
Recognized a similar strategy with you as I am planning, a solid core and good satellites. Except I'll definitely be able to invest a lot less each month 😅
I keep stumbling across the Vanguard, so I'm starting to see that as a sign....
Recognized a similar strategy with you as I am planning, a solid core and good satellites. Except I'll definitely be able to invest a lot less each month 😅
I keep stumbling across the Vanguard, so I'm starting to see that as a sign....
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2Anno
@Gummiwurm Thank you. Yes, the Vanguard is the "fire and forget" version 👍
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2Anno
@Gummiwurm Yes, I had that at first too.
Or both at the beginning (the distributor with 60k for the tax-free amount) and the rest in the accumulator.
Then at some point I put everything in the accumulator and then this year back in the distributor as well as the SPDR ETF and individual stocks because of the dividends and the cash flow (as already mentioned, a lot of back and forth 🙈😂)
Up to a certain amount (or now soon more due to the increase in the tax-free amount), it may make sense to take the distributer to save a few more euros in taxes.
With current 2% distributions and a €1000 allowance, you could save up to the following amount to make full use of your allowance:
1000/(0.7x0.02)=71428€
1000 is your allowance
0.7 is the partial exemption for ETFs
0.02 is the distribution rate
Or both at the beginning (the distributor with 60k for the tax-free amount) and the rest in the accumulator.
Then at some point I put everything in the accumulator and then this year back in the distributor as well as the SPDR ETF and individual stocks because of the dividends and the cash flow (as already mentioned, a lot of back and forth 🙈😂)
Up to a certain amount (or now soon more due to the increase in the tax-free amount), it may make sense to take the distributer to save a few more euros in taxes.
With current 2% distributions and a €1000 allowance, you could save up to the following amount to make full use of your allowance:
1000/(0.7x0.02)=71428€
1000 is your allowance
0.7 is the partial exemption for ETFs
0.02 is the distribution rate
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2Anno
@Gummiwurm I currently invest in my individual stocks until I have reached the desired weighting (60% ETFs (of which 40% in All World and 20% in SPDR) and 40% in individual stocks).
I am therefore currently only buying individual stocks each month. However, I think that I will continue to buy my ETFs in six months' time (by then the weighting should be right).
I am therefore currently only buying individual stocks each month. However, I think that I will continue to buy my ETFs in six months' time (by then the weighting should be right).
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2Anno
@Gummiwurm You have to decide that for yourself. You will of course increase your North American share considerably, as the SPYD is 100% NA.
So it basically depends on your strategy.
In any case, the performance of the $SPYD has been great in recent years (sometimes better than the $VGWL).
My "strategy" is as follows:
40% core with the $VGWL
60% dividend portfolio, of which
- 20% $SPYD
- 40% individual stocks (NA+EU). Target approx. 20 stocks at approx. 2% each
Edit: if you want to keep it simple, the $VGWL is perfectly adequate and you will probably struggle to outperform it with various other ETFs and individual stocks over the long term.
But it's also "boring" 😂
So it basically depends on your strategy.
In any case, the performance of the $SPYD has been great in recent years (sometimes better than the $VGWL).
My "strategy" is as follows:
40% core with the $VGWL
60% dividend portfolio, of which
- 20% $SPYD
- 40% individual stocks (NA+EU). Target approx. 20 stocks at approx. 2% each
Edit: if you want to keep it simple, the $VGWL is perfectly adequate and you will probably struggle to outperform it with various other ETFs and individual stocks over the long term.
But it's also "boring" 😂
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@six I think our strategies are going in a similar direction. For me, it is now important to create a stable core that will be saved in monthly for the next 15+ years without changing it.
I would like to combine buy and hold with core satellite. I'm still working on the weighting ☝🏻
I like to be safe, but I also want to play a bit 😅 so it definitely won't stay at 100% $VGWL 😇
I would like to combine buy and hold with core satellite. I'm still working on the weighting ☝🏻
I like to be safe, but I also want to play a bit 😅 so it definitely won't stay at 100% $VGWL 😇
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•2Anno
@Gummiwurm Yes, that's how I feel too.
You just have to think about whether you want dividends above the tax-free amount and are prepared to accept the taxes or whether you want to optimize your taxes as much as possible.
If tax-optimized:
Possibly use the All World as an accumulator and realize the tax-free amount with the US Dividend Aristocrats and individual shares.
Alternatively, you can also take the All World as a distributor and then switch to the accumulator when you reach a certain amount (simply leave the distributor and then only save in the accumulator).
It might be a bit difficult to calculate everything so precisely (at least if you still have the SPDR and individual stocks).
There is also a great video that explains the differences between accumulators and distributors (at least for a single ETF):
https://m.youtube.com/watch?v=eAY6iZ6mlyw
You just have to think about whether you want dividends above the tax-free amount and are prepared to accept the taxes or whether you want to optimize your taxes as much as possible.
If tax-optimized:
Possibly use the All World as an accumulator and realize the tax-free amount with the US Dividend Aristocrats and individual shares.
Alternatively, you can also take the All World as a distributor and then switch to the accumulator when you reach a certain amount (simply leave the distributor and then only save in the accumulator).
It might be a bit difficult to calculate everything so precisely (at least if you still have the SPDR and individual stocks).
There is also a great video that explains the differences between accumulators and distributors (at least for a single ETF):
https://m.youtube.com/watch?v=eAY6iZ6mlyw
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