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First of all, it's great that you're taking the next step. Here are a few tips from me:
5 years is not really a meaningful comparison period. It should be 20 years or more. But this is difficult with the vast majority of ETFs. That's why it's usually better to compare the underlying indices.
How high the absolute price is (and therefore how much you put into your portfolio) is completely irrelevant. 10% profit is 10% profit
5 years is not really a meaningful comparison period. It should be 20 years or more. But this is difficult with the vast majority of ETFs. That's why it's usually better to compare the underlying indices.
How high the absolute price is (and therefore how much you put into your portfolio) is completely irrelevant. 10% profit is 10% profit
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@DonkeyInvestor So were all my thoughts then back to square one? I was actually planning to invest in the $SPSA. But I'm not really sure after your answer
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@Bidax The price of the shares is irrelevant.
Price gains or dividends are percentage-based, i.e. whether you divide your €6,000 into more or fewer shares is irrelevant, as 10% of €6,000 is always €600.
Which of the ETFs you take, whether $VWRL $VDEV or $SPSA, will only play a marginal role.
You should ask yourself, what do I want in the package?
- industrialized nations only = e.g. $VDEV
- Industrialized nations + emerging markets = e.g. $VWRL
- Industrialized + Emerging Markets + SmallCaps = e.g. $SPSA
To compare ETFs, you can google "ETF Finder Finanzfluss" and have a go there.
There you have the option of zeroing the ETFs "since inception", for example, so that the performance comparison is meaningful.
Price gains or dividends are percentage-based, i.e. whether you divide your €6,000 into more or fewer shares is irrelevant, as 10% of €6,000 is always €600.
Which of the ETFs you take, whether $VWRL $VDEV or $SPSA, will only play a marginal role.
You should ask yourself, what do I want in the package?
- industrialized nations only = e.g. $VDEV
- Industrialized nations + emerging markets = e.g. $VWRL
- Industrialized + Emerging Markets + SmallCaps = e.g. $SPSA
To compare ETFs, you can google "ETF Finder Finanzfluss" and have a go there.
There you have the option of zeroing the ETFs "since inception", for example, so that the performance comparison is meaningful.
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@Bidax Here is an index comparison over 30 years between ACWI IMI, World IMI and EM IMI: https://www.msci.com/www/index-factsheets/msci-acwi-imi/09234846 . The World IMI was better than the ACWI IMI.
Your thoughts weren't stupid. Thinking, exchanging, learning, ... is the right way to proceed
Your thoughts weren't stupid. Thinking, exchanging, learning, ... is the right way to proceed
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@Bidax Here is a long-term comparison with the MSCI World Index: https://www.msci.com/www/fact-sheet/msci-world-index/05830501
You can also take a look here:
Beat the MSCI World over the long term (>= 30 years) without any effort.
World vs. World Momentum Index
https://getqu.in/CDEnfS/
World vs. World Quality Index
https://getqu.in/HhbBYl/
World vs. World Value Index (+ conclusion)
https://getqu.in/TD3OT2/
And @MoneyISnotREAL is also right 👍
You can also take a look here:
Beat the MSCI World over the long term (>= 30 years) without any effort.
World vs. World Momentum Index
https://getqu.in/CDEnfS/
World vs. World Quality Index
https://getqu.in/HhbBYl/
World vs. World Value Index (+ conclusion)
https://getqu.in/TD3OT2/
And @MoneyISnotREAL is also right 👍
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@MoneyISnotREAL ok, then I obviously had an error in the system. I'll think about it again and leave my decision in an edit.
Thank you in any case for your effort to answer me in detail.
Happy holidays to you and your loved ones.
Thank you in any case for your effort to answer me in detail.
Happy holidays to you and your loved ones.
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@DonkeyInvestor Thank you very much once again. I am really happy to get food for thought from you. Unfortunately, I don't have anyone in my immediate environment with whom I could exchange ideas.
Happy holidays to you and your loved ones.
Happy holidays to you and your loved ones.
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@Bidax I didn't have either. It took me about 5-10 years until it was no longer all arbitrary. I know the Union Funds very well myself 😅
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@DonkeyInvestor I've read your Immofond 😅 I'll tell it like it is. I feel completely at home there too. That's just the way it is in my village. There's a Raiffeisen and/or a savings bank. At some point you'll end up at one of them. But I also really like dealing with people and that's why I wouldn't leave VR for anything else. It's just the deposit that's really difficult to keep. How did you get into the university stories?
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@Bidax There are still a few in the portfolio, which will also be gradually reallocated
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@DonkeyInvestor now let's get down to business, would you like to take a look at my portfolio and give me just a couple of tips? Please 🙏
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