iShares MSCI EM ETF

Quick trivial question about EM vs Europe:

I am relatively at the beginning of my investment career. My investment horizon is therefore +30 years.

I am currently saving the $IWDA (+1,13%) and the $SMEA (+0,4%) The original idea was to overweight Europe.

Now I'm wondering whether the overweighting makes sense or whether I'd be better off investing in the $SMEA (+0,4%) should I switch to the $IEMA (+0,84%) should be reallocated. A combination of all three ETFs would of course also be conceivable.

What do you think?

Hello everyone,

I need your help.

I have been saving for a custody account for my daughter since last year. She was born 5 weeks ago.

At the moment the custody account is still in my name and I want to keep it that way for the time being. (Yes, I am aware that this reduces the return due to tax compared to a junior custody account, but I feel more comfortable with it at the moment).

I'm currently saving €50 plus X. Money that was given as a birthday present was added on top.

You can see the portfolio attached.

I started with 50% $LYPG (+1,04%) and 50% $ACWI .

Then later I added the $IEMA (+0,84%) added later.

At the moment I am saving about 45% of the $ACWI and the $IEMA (+0,84%) and with 10% the $LYPG.

Now Grandma would also like to save 50 per month and we have agreed (for reasons) to do the whole thing on my custody account. (Again, I am aware of the advantages and disadvantages).

Now to my question:

What would you guys recommend grandma should save in if it's going to be her own position(s)? How would you divide up the €50? Just take another All World and EM? Or would you rather include a sector ETF?

Many thanks for your support and your patience in reading so much text.

Greetings

aah91

Different TER (costs) for ETFs

Recently there was an interesting article here by @DonkeyInvestor. It was about restructuring his ETF portfolio. Specifically, about saving in alternative, new ETFs with lower management fees (TER). I made a note of that.

During my research, I noticed that prices are shown differently on different platforms. For example, various articles state that UBS has lowered its ETF prices everywhere.

The UBS ETF MSCI World UCITS ETF (USD) A-acc for example, is said to have annual costs of 0.10 % according to Onvista. In Trade Republic, however, the ETF is displayed with costs of 0.29%.

Does anyone know why this might be? Different markets? These are actually global products.

I am currently saving:

$XDWD (+1,13%) (TER 0.19%) -> Xtrackers

$IEMA (+0,84%) (TER 0.18%) -> iShars

$IPRV (+1,41%) (TER 0.75%) -> iShares

$XDEQ (+1,33%) (TER 0.25%) -> Xtrackers

$XDEV (+0,77%) (TER 0.25%) -> Xtrackers

Of course, there are not alternatives from other issuers for each of these products. $IPRV (+1,41%) is comparatively expensive, for example, but rather rare as a product.

Would be grateful for tips, on the one hand why a) the cost display is so different and b) which alternatives are cheaper.

And am I c) that if I decide to invest in new, cheaper ETFs, it is better to keep the old ones in my portfolio instead of switching them and (immediately) paying tax?

#etf
#etfkosten
#etfanalyse
#xtrackers
#ishares
#ubs
#getquin

A small update on my portfolio:

• I have liquidated my small Alibaba position (€280) and my small Metaverse ETF position (€300). I wouldn't have dared to buy more Alibaba and such a small position doesn't make much sense.
• I invested the money in the $5OGE and the $IS3R (+1,25%) These two ETFs should each make up 25% of my total portfolio in the long term; however, I'm still toying with the idea of weighting the two with only 20% and adding another 10%. $IEMA (+0,84%) in order to be better diversified in terms of regions
• I have just realized partial gains on my cryptos (not yet tracked) and have increased my $BTC (+1,17%) -position to €1,250 and my $SOL (+2,66%) -position to €500; the profits will also flow into the two ETFs
• The individual positions that are <€500 are still to be increased; $AAUKF and $LOCK (+1,49%) via a monthly savings plan and the rest with subsequent purchases

=> In the long term, I would like to cover 50% with the 2 to 3 large ETF positions and the remaining 50% with individual shares of quality companies

I would be very interested to know what you think of this strategy!

• Include EM ETF yes or no?
• Your opinion on $5OGE and $IS3R (+1,25%) as a basis for a portfolio?
• Are there any individual stocks in my portfolio that you think are completely unsuitable as a long-term investment?

I am very keen to hear your opinions! 🙏🏼