So I decided to replicate the following ETF:

40-45% USA share I will replicate with $VUSA (-2,35%) replicate

20% Europe I will map with $SPYW (+0,63%) and $VERX (-0,85%) and . I deliberately opted for these two ETFs because I've seen that when one goes well, the other goes badly and vice versa: If one goes well, the other goes badly and vice versa, and the version without the UK is doing much better than the version with the UK. However, as I think the UK is interesting, I will continue to hold my $VUKE (-0,46%) and include it in the weighting.

On the other hand, I'm not sure whether I should hold the Eastern Europe ETF or throw it out ??? $EAST (-1,55%) The UK has performed very well in recent months. What do you think?

10% Japan I am doing with $PR1J (-2,78%) and $XDJE (-3,2%)

10% Switzerland I will participate $EXI1 (-0,61%) . Here I am not completely satisfied because of the large TER but I have not seen an alternative, possibly one from Xtraders but then it was not better in terms of performance.

10% Emerging Markets I do with $IBC3 (+0,03%)

For the 5-10% commodities I haven't found the perfect stuff yet. I don't want gold and Bitcoin. Unfortunately, I'm still looking for them:

https://app.getquin.com/de/post/dDcIztXuRJ/auf-der-suche-nach-einem-rohstoffetf-als-alternative-zu-gold-habe-ich-mir-uber-anderen-nickel-angeschaut-nickel-sicher-keine-gute

Possibly add 5% Canada, that would fit in well with Grund Idee. I will have to observe and research this further.

Now I have a few questions:

Just keep Eastern Europe or include it completely in the 20% or sell it?

Establish the target allocation immediately or weight the savings plans so that they reach the end of the year?

Good idea for commodities?

Canada?

So I decided to replicate the following ETF:

40-45% USA share I will replicate with $VUSA (-2,35%) replicate

20% Europe I will map with $SPYW (+0,63%) and $VERX (-0,85%) and . I deliberately opted for these two ETFs because I've seen that when one goes well, the other goes badly and vice versa: If one goes well, the other goes badly and vice versa, and the version without the UK is doing much better than the version with the UK. However, as I think the UK is interesting, I will continue to hold my $VUKE (-0,46%) and include it in the weighting.

On the other hand, I'm not sure whether I should hold the Eastern Europe ETF or throw it out ??? $EAST (-1,55%) The UK has performed very well in recent months. What do you think?

10% Japan I am doing with $PR1J (-2,78%) and $XDJE (-3,2%)

10% Switzerland I will participate $EXI1 (-0,61%) . Here I am not completely satisfied because of the large TER but I have not seen an alternative, possibly one from Xtraders but then the performance was no better.

10% Emerging Markets I do with $IBC3 (+0,03%)

For the 5-10% commodities I haven't found the perfect stuff yet. I don't want gold and Bitcoin. Unfortunately, I'm still looking for them

https://app.getquin.com/de/post/dDcIztXuRJ/auf-der-suche-nach-einem-rohstoffetf-als-alternative-zu-gold-habe-ich-mir-uber-anderen-nickel-angeschaut-nickel-sicher-keine-gute

I might add 5% Canada, which would fit in well with the basic idea. I will have to observe and research this further.

Now I have a few questions:

Just keep Eastern Europe or include it completely in the 20% or sell it?

Establish the target allocation immediately or weight the savings plans so that they reach the end of the year?

Good idea for commodities?

Goal: A globally diversified portfolio via a savings plan

Option 1:

Everything in the $VWRL (-2,77%)

Option 2:

50% $VUSA (-2,35%)

15% $EIMI (+0,04%)

15% $VEUR (-0,76%)

5% $VJPN (-2,74%)

5% $VAPX (-2,32%)

10% $WSML (-2,75%)

What do you think?

Option 1 would be the simpler approach. No rebalancing. Unscheduled purchases or sales with an ETF are easier and more fee-friendly.

Option 2 allows more control in terms of weighting, so I could reduce the US share from $VWRL (-2,77%) from 62% to 45-50%. In option 2 it would also be possible to swap the S&P 500 for Nasdaq or Amumbo depending on the market cycle to get more performance out of it without the risk of a US overweight.

As the markets have recently recorded a slight decline, I bought a tranche of the S&P 500 ETF ($VUSA (-2,35%)) today.

I am currently considering whether it makes sense to spread my planned investment in 4-5 tranches over several weeks in order to possibly catch the low point.

Alternatively, it might be better to invest the entire amount at once - following the classic approach:

"Time in the Market beats Timing the Market".

How do you see it? Which strategy do you prefer and why?

ECB - interest rate cut by 25 basis points to 2.5 %. "Monetary policy is becoming noticeably less restrictive." - Lagarde.

BoE - Interest rates are expected to fall by a further 75 basis points to 3.5 % by the end of the year.

Fed - Rate cuts are uncertain as rate chaos looms over the US economy. There may be no cuts this year.

Will European equities outperform US equities overall this year? They have been doing so since the beginning of the year. That would be a remarkable performance.

$MEUD (-1,62%) vs. $VUSA (-2,35%)

#eu
#meud
#vusa
#vwce
#etfs
#stoxxx600