Hello everyone,

I have "some" chaos in my ETF portfolio. I would like to tidy it up a bit and start with the ETF stuff.

I have

Abbreviation / Weighting / Current balance of total portfolio

$DBXW (+0,84%) / 9,68% / +16,39%

$IS3R (+1,47%) / 5,91% / +14,97%

$IWRD (+0,89%) / 5,5% / +13,4%

$500 (+1,1%) / 4,01% / +18,76%

$VWRL (+0,95%) / 1,85 / +17,67%

$INRG (+0,1%) / 0,15% / -22,92%

$IEMA (+1,48%) / 0,04% / +20,20%

I'm already thinking OMG as I write this down :-D

Perplexity says the following

Specific recommendations

• DBXW, IS3R, IWRD, 500, VWRL are all broadly diversified equity ETFs with a focus on the world, MSCI World and S&P500. The largest overlaps are between DBXW (Xtrackers MSCI World), IS3R (iShares Core MSCI World), IWRD (iShares MSCI World) and VWRL (Vanguard FTSE All-World).
• Even your S&P500 ETF already tracks a large proportion of the MSCI World ETFs, as US equities are usually dominant there.
• VWRL is more global and covers not only industrialized countries, but also emerging markets. IEMA specifically covers emerging markets, but is a mini-position for you.

Combine / simplify

• You could consolidate all World ETFs (DBXW, IS3R, IWRD) into a single one, for example IS3R or VWRL, depending on your preference in terms of costs and tracking difference.
• You can also remove the S&P500 ETF if you prefer a global ETF such as VWRL or a World ETF - otherwise the US dominance is doubled.
• You can sell very small positions such as INRG and IEMA or switch to a larger "core ETF", as they have little effect on the overall portfolio and increase complexity.
• In the end, you could work with one or a maximum of two broadly diversified ETFs, e.g. only VWRL or IS3R plus a random favorite for special regions/sectors, if desired.

Model structure after simplification

ETF share after simplification

VWRL 80-100%

possibly INRG/IEMA/Satellite max. 10-20% (optional)

--

• Var. 1 So then actually sell everything and put it in VWRL?
• Var. 2 Alternatively, so that I don't have to pay tax on all the profits now, just save the $VWRL (+0,95%) and stop the rest and just leave it? So that I don't have to pay taxes and lose 25%+ directly for the reinvest.

Or what is your idea for Var. 3?

I find the $IS3R (+1,47%) also exciting in terms of momentum.

I am currently of the opinion that I am in a good position with my investments for the current status. (approx. 1 year of investing)

Now to the individual stocks! 🧐

My main ETF $IWRD (+0,89%) :

Currently, the iShares MSCI World is my biggest stock - but also my biggest problem (at least in my opinion). It's currently too much of a cluster risk for me, as I'm invested in North America with around 55%. 😣

My second ETF $XMME (+1,3%) :

I try to minimize this cluster risk with this ETF. 70/30 strategy... 😛

The China giant $1810 (+0,76%) :

As I really like the current status of the company, I am following developments with interest and the purchase price was very attractive for my financial means, I bought it. With satisfaction. Of course, I also did it to further minimize the cluster risk. So... hopefully I'll be able to sell at a profit at some point! 😇

A bigger gamble $TTWO (+0,96%) :

Well... what can you say... GTA 6 will probably blow everyone away. Of course, I'm aware it's only a small percentage, so either pay the lesson or get lucky. ☘️

My first solid stock with dividend prospects $KO (+0,04%) :

Everyone knows it, everyone has bought it. There's nothing to say about CocaCola. 🥤

My second solid div. stock $SHEL (-1,2%) :

I was able to get in cheap, the company is huge and stable. ⛽️

The bank share $DBK (-1,81%) :

I'm with DB, extremely happy with it and was able to strike it cheap at the time. So far it's done quite well and there are always a few dividends! 💰

And finally... the more or less ugly duckling $SLI (+3,02%) :

The little gamble that turned into my first doubling. One can only hope. Stability is not exactly the hobbyhorse. 🦆

And now for my future thoughts!

I am currently interested in $DTE (-1,06%) (approx. worth €300-400) and letting them run with a savings plan. On the one hand, of course, to further balance out the cluster risk and on the other hand, to somewhat delimit the Asian theme.

My next consideration is $CL (-0,49%) as it currently has an interesting entry price.

Hi dear community,

I am currently thinking about replacing my iShares MSCI World $IWRD (+0,89%) with another one with a lower TER. As an alternative, I am considering adding the Xtrackers MSCI World $XDWL (+0,9%) in my portfolio as an alternative. But why this step?

Situation: I opened my portfolio in September 2022 during my training and have been saving in the iShares MSCI World since then. After my apprenticeship, I decided to go back to school for another two years to catch up on my A-levels. I have now started a dual study program. Now that I have some money coming in again, I can not only resume my savings plans, but also increase them significantly.

I currently have around € 2,500 invested in the iShares MSCI World UCITS ETF. The profit is around €700. As I still have around €800 of tax-free allowance left, I should initially no taxes initially. Therefore, if I make the switch, I should ideally do it in the next few months, as I will probably use more of the allowance next year.

In my view, there are many points in favor of a switch - for example, the Xtrackers MSCI World (IE00BK1PV551) with a TER of 0.12 %. According to the index mapping, the content should be identical. It distributes a small portion and offers a reasonable balance between price gains and dividend payouts.

The only thing that makes me hesitate: With the iShares MSCI World (BlackRock), I think it's rather unlikely that there will be tax-dodging ETF mergers there. Do you think the same applies to Xtrackers?

(Mergers that are purely identical in form are normally treated as tax-neutral in Germany, but mergers can be harmful for tax purposes - for example if they are cross-border or if the ISIN or fund domicile changes. In such cases, accumulated capital gains can be treated as realized capital gains subject to withholding tax).

What do you think about this? Is the switch worthwhile in my situation? Do you have better ETF alternatives, or would you stick with the iShares MSCI World UCITS ETF? I look forward to your constructive feedback!

Hello everyone,

I'm back as a silent reader with my portfolio.

Briefly about me: I am 26 years old, employed as an IT specialist in the public sector, live in rented accommodation and my investment horizon is at least another 20 years.

My strategy: I am building a core-satellite portfolio. The ETFs form the core: $IWRD (+0,89%), $EIMI (+1,5%), $EXSA (-0,36%) and as a soon-to-be new addition $WSML (+0,79%) . These are listed alongside $BTC (+0,89%) (lie with $EWG2 (-0,31%) with Bison) in the savings plan. Then there are individual stocks whose business model, sector and geographical location appeal to me.

With this strategy, I am trying to find a healthy balance between the rational assessment of not being able to beat the market and having fun on the stock market.

The allocation is still somewhat skewed, but the goal is:

• 60% core (ETFs)
• 30% individual stocks
• 10% BTC/gold

As future satellite positions I still have $D05 (+0,84%) (to also have a single stock in the banking sector) and $TBS (+0,71%) (because I see opportunities in the South African food market). I will open these positions as soon as I have straightened out the current allocation.

My questions: What do you think of my approach or my desired allocation? Do you have any suggestions for other good individual stocks, especially from the BRICS regions?

Otherwise, happy investing.

Hello.

I actually have a very conservative portfolio with 70/30 $IWRD (+0,89%) and $EUNM and a little $BTC (+0,89%)

Recently, however, I have been toying with the idea of buying a few individual stocks, including $RHM (-2,71%) . But somehow that was always too expensive for me.

My investment horizon is medium to long term.

What would you do if you were me?

Hi everyone,

I am 21 years old and have been actively investing myself since 2019, before that my parents started investing money for me.

Now I started working at the beginning of the year and can currently invest €1000 per month, but I'm thinking about increasing it again if necessary, as I have enough left over at the end of the month.

I am currently saving $BRK.B (+0,16%)
$NVDA (+2,57%)
$AAPL (+0,06%)
$MSFT (+1,51%) and $META (-0,55%) with 50€ each.

The ETFs $UST (+2,17%)
$LYPS (+1,1%)
$LYY7 (-0,64%)
$IWRD (+0,89%) and $LOCK (+1,79%) with 150€ each.

I would like some feedback on what you think about diversification in the savings plan, or whether I should invest more in shares at a young age.

I will also be joining Trade Republic next month and will also be focusing on short-term trades as I have been looking into this a bit more recently.

I look forward to your feedback and what could be adjusted in general.

Best regards!

Question for the community

Is the $XDWD (+0,86%) better than the $IWRD (+0,89%) ?

Because I'm thinking about switching.

My savings plans for March were added🐸

50€ $IWRD (+0,89%)

50€ $O (-0,72%)

25€ $AAPL (+0,06%)

25€ $MCD (+0,12%)

25€ $ISPA (+0,06%)

25€ $NVDA (+2,57%)

25€ $AEJ (+2,14%)

25€ $FLXI (-0,28%)

Looking forward to the €3000 mark soon 💪🏼