iShares Core MSCI Europe ETF

ETF

ISIN: IE00B4K48X80

Ticker: SMEA

IE00B4K48X80

SMEA

Price

Discussione su SMEA

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Berkshire_Janaway

@BerkshireJanaway

3G·

Presentation of my portfolio

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

$D6RM (-0,11%) Deka DividenenStrategie - €100 per month.
$CSPX (+0%) Ishares S&P 500 - 50 €/month
$VWCE (-0,14%) Vanduard FTSE All World - 50 €/month
$BRK.B (-0,81%) Berkshire Hathaway B - €50/month
$SMEA (-0,58%) Ishares MSCI Europe 50 €/month
$VHYL (-0,68%) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (-1,08%) , $AMZN (+0,83%) , $AAPL (+0,73%) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (+1,24%) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (+0,26%) buy.

Should be removed from the portfolio:

$TGT (-1,89%) Target
$NKE (+0,06%) Nike
$D6RF (+0,11%) Deka Umweltinvest
$DEDG (+0,47%) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

17 Commenti

In any case, I think it's good that you want to part with the whole DEKA series. I am not known here as an absolute fund/ETF specialist. But even when I was a banker, I can't remember any DEKA funds standing out for their extraordinarily high returns.

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Max

@MaxNts03

2Settimana·

Portfolio for early retirement?

Dear Community,

I've been a silent reader here on getquin for a while now and enjoy looking at the posts here. But now I would like to get your opinion on my investment approach.

First of all, my situation:

I am 21 years old and a dual student in the public sector. I earn a pretty solid salary for a trainee. I'm currently still living at home, which of course drastically reduces my living costs. Despite a savings rate of just under 50 percent, I can afford to go out to eat with friends, take short vacations or treat myself to the occasional treat. But that's all within reason, of course. So I don't feel like I'm missing out on anything, but I also don't feel like I'm simply wasting my money.

I started investing in mid-2022 with very small amounts, which were financed from my part-time job alongside my A-levels. At the time, I was rather skeptical about the stock market but still keen to experiment, which unfortunately led to losses right at the beginning. I gradually accumulated more and more knowledge and adapted my strategy accordingly.

I follow the following strategy: Buy & Hold

What do I invest in each month?

$IWDA (-0,13%) 234€ per month
$EIMI (+1,24%) 90€ monthly
$SMEA (-0,58%) 70€ monthly
$EWG2 (+0%) 65€ monthly
$BTC (+0,26%) : 42€

I also save through VL benefits:

$VHYG (-0,74%) 35€ per month (13.29 AG share)

All dividends from all securities are reinvested in $TDIV (-1,28%) .

This brings me to a total of €536. A crooked figure, that's true, but it works best for me.

The individual stocks have almost always been one-off purchases, when more capital has flowed into my hands through other income such as gifts or similar.

My savings plans have also changed a lot over time, but the setup I have now looks like a solid foundation to me.

I'd be interested to hear your opinion on this in the comments!

5 Commenti

2Settimana

I like the depot.

$IWDA and $EIMI is a solid basis for a portfolio :)

$SMEA You can do it, but you don't have to. If you want to actively overweight Europe it's ok :)

The only point of criticism for me are the positions below 100€. Especially if you only bought them as a one-off purchase and didn't actively continue to save. What do you want with 78€ in McDonald's if the portfolio is worth more? I would sell them all or continue to save them if you want to keep them.

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Jose

@Kspykee

1Mes·

ETF

Hello,

I am in the process of changing my portfolio, and thought I would allocate about 7k to a small ETF portfolio.

I have 65% of portfolio in Funds, 50% Ibex, 50% MSCI, so both regions are well covered.

On the ETF side, I thought about this particular allocation:

ETF emerging countries + Asia. $EIMI (+1,24%)

ETF Europe $SMEA (-0,58%)

Gold ETF $IGLN (-0,09%)

ETF Defense + Aerospace. $IVDF (-0,31%)

I will try to balance at 25% each fund, and use a monthly plan to periodically contribute according to performance.

Any ideas for improvement?

Thanks

4Posizioni

0,66%

10 Commenti

Swin@swinbbe

1Mes

uf I would remove the ibex issue... to each his own, but I don't find it funny.

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Sachsenschleuder

@Sachsenschleuder

2Mes·

You can take a look

Hi, since I find it really interesting to look at other portfolios, I thought I'd share mine as well.

My story: I'm 20 years old, started a savings plan on an ETF for the first time in November 2024 and then decided to invest in cryptos for a short time. I was never really taught how to handle money. For the first 2 years of my training, I had my account in the red for all sorts of shit. Thanks to a second job, I was able to afford a savings plan with ETFs and individual shares worth €600 for a few months as an apprentice. Now that this is no longer the case, I've made the decision to invest in ETFs and (in my opinion) expensive shares such as $SIE (-1,23%) or $MSFT (+0,96%) to save.

I buy everything else when the price drops and have a good feeling about it for the time being.

I always have this "Mr. Market" example from Warren Buffet in the back of my mind.

In addition, I had considered setting a limit of 10% per individual share in the portfolio to reduce the risk of extremely falling prices.

This $VWCE (-0,14%) was my first savings plan and I'm actually really happy with it so far, except that with a 60% share from the USA, it has given me a bit of a stomach ache over the last few months.

However, because my entire portfolio consisted of American shares. I was able to learn relatively quickly that you should diversify your portfolio across more continents.

In the end, I opted for $SMEA (-0,58%) and $AEJ (+1,24%) in the end.

Over the next few months, I will be saving in both with a higher savings rate than the $VWCE (-0,14%) to balance out all 3 in percentage terms.

At the end of the love story, I would say that I got off lightly with a 3% loss.

What do you think? I'm really looking forward to hearing the different opinions.

6 Commenti

2Mes

Stay relaxed, you're 20, time is on your side. And falling markets are part of it, things can't always go up. But it's your turn to invest, that's what counts. You're ahead of many of your peers and even older people. 💪🏻

But I would make sure that you expand your chosen ETFs so that the individual stocks can pull your portfolio down as little as possible.
And perhaps don't split into too many positions at the beginning.

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Drew

@DrewBP

2Mes·

My modular global portfolio strategy 🧩🌍

Hi everyone!

I've been investing for almost a year now with a small amount of capital, mostly to get familiar with the world of markets and personal finance. I’m 26, conservative investor, and I’ve always kept my distance from trading, YouTube “gurus” and get-rich-quick schemes.

After some time learning and experimenting, I wanted to share my strategy and hear what more experienced investors think.

🧠 The idea: build a modular portfolio with global exposure. Instead of the usual split between developed and emerging markets, I prefer dividing by region — using two ETFs per region: one accumulating and one distributing.

Why both? Honestly, I’m still figuring it out — but I like the idea of having some exposure to dividends while reinvesting long-term. My goal is to reach €50,000 in savings as a milestone, partly because that’s the cap for earning interest on Trade Republic’s savings account (which I’m also using).

⚙️ I invest monthly (~€700) and aim to rebalance the weights annually. I selected ETFs with low TERs and (when possible) EUR-based to avoid currency conversion. It’s not always easy to find the perfect match, but here’s the setup:

Europe (40%)

ETF (Acc) --> $SMEA (-0,58%) | ETF(Dist) --> $EQDS (-0,5%)

USA (30%)

ETF (Acc) --> $SPPW (-0,29%) | ETF(Dist) --> $SPY5 (+0,01%)

Emergin Markets (20%)

ETF (Acc) --> $EIMI (+1,24%) | ETF (Dist) --> $IEEM (+1,46%)

Gold + BTC (10%)

ETF --> $SGLD (+0,01%)

The idea is to split each region’s weight equally between the two ETFs — that is, 50% of the region's allocation to each ETF. This results in a total TER of 0.289%.

Would love to hear your thoughts, feedback, or suggestions! Still very new to all this, so any insight from more experienced investors would be super helpful 🙌

Thanks for reading! 🚀

#etfs
#stockanalysis
#dividends
#crypto

Fabian F.

@Fabianfeuer

4Mes·

New recording

I want to make myself less dependent on the USA, so I'm giving Europe a try.

11.03

iShares Core MSCI Europe ETF

Acquistato x23 a 84,83 €

1951,09 €

5 Commenti

_EvD_@_EvD_

4Mes

Had the same thought recently - but buying at such a high level can make faces long at some point, can't it? Better to invest in what is currently undervalued, however unpleasant the USA may be for me at the moment.

••

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Toname

@Toname

4Mes·

Reallocate securities account

Let's see where the money from the $SMEA (-0,58%) will be invested! 👀

07.03

iShares Core MSCI Europe ETF

Venduto x10,31 a 85,91 €

885,51 €

17,32%

Marto

@Maddy-0

5Mes·

Unit-linked private pension provision

I actually planned to take out my private pension insurance in 2024. Not to come, of course. (Or was too lazy)

Since I've seen a lot here, with 2-3% costs, I think I'm still doing quite well.

I took it out at the beginning of 2024 (then only started looking into it after it was taken out).

As stupid as you can be when you're young...

Or it just sounded too good from Tecis...🙈

Once there is the fund-linked private provision at Volkswohl Bund (€110.25 per month with dynamic)

45% $IWDA (-0,13%) MSCI World

25% $EIMI (+1,24%) MSCI Emerging Markets IMI

20% $SMEA (-0,58%) MSCI Europe

10% $CPXJ (+0,01%) MSCI Parcific ex-Japan

And secondly, the unit-linked Rürup pension, also via Volkswohl Bund with the same allocation. (100€ per month)

In fact, I have to say that I imagined it would be much worse. Let's see where I end up. In any case, the costs are only low for the ETFs listed 😂

4 Commenti

Woodz@DasWoodz

5Mes

In the meantime, I have canceled almost all my unit-linked insurance policies. Unfortunately, I did it far too late.
But everyone has to know for themselves.

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👺

@Etf_Milano

6Mes·

Feedback for a beginner

Hello, GQ community!

I'm 50 years old and I'm very new to this interesting world of investments.

I believe it's never too late to learn something and start a new journey.

I plan to travel for about 15 years 🤞🏼🙂

I watched a lot of YouTube videos before deciding to switch to ETFs from simple deposit accounts. Actually I don't have knowledge yet to invest in individual stocks, so I'll go all-in on a few ETFs, trying to diversify a little bit. They say is good not to be entirely exposed to the US market, even though it should be every portfolio's core.

I started with a 5k allocation and I chose $IWDA (-0,13%) as my core, $SMEA (-0,58%) for the European market and $AASI (+1,62%) for a share of emerging markets ( 👉🏼 I wanted them to be Asian only, but then I realized $AASI (+1,62%) overweight US 🙄 Why its name is so deceiving?)

In short guys, by next week I plan to allocate another 20k to boost my portfolio and then saving every month.

I'd make $IWDA (-0,13%) at least 50% of my position, I'm considering the purchase of some $EIMI (+1,24%) shares (more focused on EM) and maybe soon a crypto ETN/ETC (I still have to understand which is the best offered solution from my broker).

I wouldn't exceed 10% for $WGLD (-0,05%) and 5% for the crypto.

- Do you have any tips?

- Do I already have overlaps?

- Does make sense to save on some $IS3R (-0,66%) shares just to get a tiny boost to my returns?

- Which would be the ideal % for every allocation?

[👉🏼 If I get a negative feedback about $IS3R (-0,66%) and $AASI (+1,62%) I won't sell them, but just let run as it is]

Thanks in advance for any precious opinion!

5 Commenti

6Mes

At first: Welcome to the community ✌🏻
You always have to look what kind of replication your ETF does. It can be physical (the etf buys real stocks) or synthetic (the ETF does Swaps). Your EM ETF has a synthetic replication. That’s why getquin shows you different stocks, then the ones that are really part of the ETF. So don’t worry, your EM ETF does not invest into US stocks. You can choose a different EM ETF with physical replication to see the real allocation.

I have some questions for you, so i can give you some advise:
What is your main goal with your portfolio? Do you want to build wealth or a passive income?
Why do you invest in gold? The return not exceedingly high but some people want it as a security. But those buy physical gold.
Are you familiar with the distribution of Bitcoins and how so called whales effect the BTC price?

My answers to your questions:
Yes you have some overlap between the MSCI World and the Europe ETF but this is totally fine because your aim here probably isn’t mainly a greater diversification but a higher weight on european stocks and thereby less weight on US stocks.
In my opinion the Momentum ETF is not a good choice. It invests into stocks that had a high performance in the past but that doesn’t guarantee future returns.
The ideal allocation depends on your opinion on what’s the best ratio of risk and return.

Maybe create some test portfolios here on getquin with different allocations and look at the region and sector allocation. This way, you can adjust it and compare until you find your personal ideal allocation.

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Boutiquedeinvestimento

@Boutiquedeinvestimento

6Mes·

30 Years of Global Equity Returns by Region

The U.S. has been the dominant global equity market as the top returning region for 10 years out of the past 15, when including 2024 year-to-date performance.

In the period before that, emerging markets were the best-returning region, providing the best returns 12 years in the two decades spanning 1991 to 2010.

Between 2001 to 2010, the MSCI Emerging Market Index , composed of equities from countries like China, Taiwan, India, Brazil, and South Korea, posted robust returns of 15.9%, significantly outperforming developed market stocks over the same period. However, since 2011, emerging market equities have seen just 0.9% in annualized returns.

The biggest period of underperformance for U.S. equities was after the dot-com bubble crash.

From 2002 to 2005, the U.S. was the worst-returning region in terms of equities, with 2002 seeing the worst return ever for U.S. equities at -23%.

Europe’s returns have been less volatile than emerging markets, with fewer extreme highs and lows. However, the region has often underperformed U.S. equities, particularly in recent years. European markets have experienced a strong rebound so far in 2024, driven by easing energy concerns and resiliente consumer spending.

$CSPX (+0%)
$VUSA (+0%)
$EIMI (+1,24%)
$XMME (+1,33%)
$SMEA (-0,58%)

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