iShares MSCI ACWI ETF Forum

Hello everyone,

First of all about me:

I'm 21 years old, I'm doing a dual degree and have been investing since 07/2023. So far, my portfolio has a size of approx. 17,000€.

My plan is to invest approx. 70% in the $ISAC (-0,59%) and 30% small growth stocks such as $HIMS (-3,29%) , $SOFI (-1,98%) , $MSFT (+1,59%) etc.

The idea behind investing is mainly to supplement my pension and to ensure that the money in my current account is not gradually eaten up by inflation...; i.e. the investment horizon is 30-35 years.

Now to my actual question to you, to get one or two more experienced opinions :)

Until I was 18, my parents regularly saved in a building society savings account, which has been "lying around" with an annual interest rate of 3%.

For over a year now, I've been toying with the idea of closing the building society savings account and transferring most of it to the $ISAC (-0,59%) for the most part.

The building society savings plan was only opened to save money and therefore, after a short time, the waiver of the reduced loan for later housing construction etc. was declared.

As a result, a premium of around €2,500 would be added to the amount of around €15,200 when it was paid out.

In this respect, the idea of reallocating came to me, but I wanted to get one or two opinions from a neutral perspective beforehand in order to weigh it up again...

When I spoke to the contact person at my bank on the phone two days ago without obligation and mentioned my idea, he wasn't so convinced, as the "stock market harbors great risks".

He was also very enthusiastic about the Uniglobal investment fund $DE0008491051 (+0,55%) investment fund and that the bank would also offer this for me, although this idea didn't really appeal to me and I now prefer the $ISAC (-0,59%) prefer.

What do you think of the bank advisor's idea?

Otherwise, I would be grateful for any opinions and wish you a pleasant evening and a nice rest of the weekend :)

Your swarm intelligence desired 😉

I started my ETF investments at the end of 2021.

So far, I have invested my money in the MSCI World without a concept (only $ISAC (-0,59%) then $IWDA (-0,43%) ), $IUIT (+0,35%) and $IUHC (-0,68%) . Dips were bought later and when prices were good.

I am a bit suspicious of the Chinese stock market because the government there can manipulate the market considerably - hence the move to the $IWDA (-0,43%)

I also have the DWS funds that were set up for me as a child.

The shares are more for "playing".

As I haven't yet found a method for evaluating shares that gives me a good feeling, I'm still a bit cautious here.

$WQDS (-0,85%) , $ESIT (+0,58%) and $INGR I would describe these as missteps and will probably sell them soon.

Now I would like to go for a clean concept and invest in savings plans.

The aim is to secure my pension and build up my assets.

Now I'm just faced with the question:

What is the best way to weight my portfolio?

Core-Sattelite? - Are $IUIT (+0,35%) and $IUHC (-0,68%) Sattelites or already core?

50% MSCI World Core, 20% EM and 30% $IUIT (+0,35%) / $IUHC (-0,68%) ?

How would you proceed or what would your weighting look like in my portfolio?

I would be very happy to receive tips, suggestions and advice.

I'm a bit at a loss 😁

Thank you very much for your help

A little thought experiment:

Everyone who starts investing asks themselves what they should buy, what will go up the most!

Many opt for individual shares

But does that make sense? Especially for small amounts / beginner portfolios

Let's take a look at this:

Assumption: 1000€ deposit

(development after 1 year)

Share 1: 200€ (50% +) = 300€

Share 2: 200€ (5% +)= 210€

Share 3: 200€ (5% +)= 210€

Share 4: 200€ (0% +/-)= 200€

Share 5: 200€ (-25%)= 150€

Total after 1 year: 1070€

1 ETF solution:

1000€ ( assumption 7% p.a.) = 1070€

Of course, I have adjusted the values so that the result for both is €1070, but what I am trying to say is:

"If you don't deal with shares full time or examine each company closely, you can lose so much return with just one bad purchase that it's not even worth the risk of a single share."

(Finanzkeks - 12.08.2024🫶🏻)

And in this example I am only talking about one bad investment + one 0% case and even one very good investment (+50%).

What if there had been more bad investments or no very good investment at all?

Beginners in particular should therefore perhaps opt for the ETF variant (even if the 7% p.a. is of course not guaranteed)

Example: $VWRL (-0,56%) or $ISAC (-0,59%)

This saves work/time and possible loss of returns. I myself have nothing against individual stocks, but if you hold them instead of an ETF, you should try to outperform it, which can go wrong with just one or two bad purchases.

Especially as individual stocks simply offer less diversification + higher volatility than a defensive ETF.

So to all beginners, take your time, get to know the stock market, start slowly, build a base and gain experience.

I myself have also bought individual shares -

and made bad purchases...🤡 Greetings $MPW (-3,98%)

Good evening,

I currently have the $ISAC (-0,59%) and the $500 (+0,12%) in my portfolio. I'm thinking about selling the $500 and putting it into the $ISAC (-0,59%) because it has the highest weighting of the same stocks anyway. That way I can reduce my USA share. The investment case for the S&P 500 was the strong US economy, which is now weakening a little. I would take the performance of the big players $ISAC (-0,59%) also take with me.

What is your opinion?

Hello GQ community!

I would like to introduce you to my portfolio today and will share regular updates.

💡 My path to building wealth:

After a long period of hesitation and due to the high inflation after the pandemic, I decided to finally invest in ETFs and individual shares. It was frightening to see how my hard-earned savings in my call money account were melting away. So I decided to actively do something about it.

🚧 Portfolio building:

- Core Satellite: The ETF core consists of the MSCI ACWI $ISAC (-0,59%) and the STOXX Europe 600 $n/a (-1,76%)

- Satellites: Focus on dividend stocks, currently limited to a maximum of 8-10 positions.

📊 Strategy:

- Buy and hold: The core remains untouched, while the satellites are bought and actively traded when valuations are favorable.

⏳ Investment horizon:

- Long-term: until retirement, i.e. around 25-30 years.

🏦 Nest egg:

- I keep 3 to 6 net monthly salaries as a safety reserve.

💰 Savings rate:

- Currently €1000 per month, 70% of which goes into the portfolio and 30% into the call money account for the nest egg. As soon as this is "filled", 100% of the savings rate is invested in the portfolio.

🎯 Goal:

- To close the pension gap and be in a better financial position.

📍 Next milestone:

✅⬜️⬜️⬜️⬜️⬜️⬜️⬜️⬜️⬜️ 100.000€

📋 Milestones achieved:

🔒 2024-XX - €20,000

🏆 2024-06 - 15.000€

🏆 2024-01 - 10.000€

🏆 2023-11 - 5.000€

🤝 I look forward to sharing my journey with you and am excited to hear your comments and suggestions!

#️⃣ #vermögensaufbau
#etfs
#aktien
#dividenden

Hello GQ community,

I am toying with the idea of investing my MSCI ACWI $ISAC (-0,59%) and my EUROPE STOXX 600 $n/a (-1,76%) ETF core with a small cap ETF.

While searching for a small cap ETF, I stumbled across the following indices and could not find satisfactory answers.

As far as I know, the ACWI and the STOXX 600 include industrialized and emerging markets but no small caps. I deliberately chose this at the beginning so that I could control the weighting of the small caps myself at a later or future date as required.

❓The MSCI World Small Cap includes the small caps from industrialized countries that had too small a market capitalization to be included in the MSCI World, right?

❓The MSCI Emerging Markets Small Cap comprises the small caps from emerging markets that had a market capitalization too small to be included in the MSCI Emerging Markets, correct?

❓I'm not really clear on the difference between MSCI World Small Cap and MSCI Emerging Markets Small Cap.

I would be very happy if you could explain this to me😁

❓Can you give me suggestions for a global small cap ETF? I would be grateful for any help.

Best regards and many thanks in advance🫶

I largely cover the $ISAC (-0,59%)

TER costs of the $FTWG (-0,56%) are 0.05% lower, however. Would it be an alternative for you, even if it is relatively new and (still) has a lower fund volume?

I have now combined my World and Emerging Markets shares and decided in favor of this ETF. The amount is not that high, but it is also my very first year on the stock market (started in April '23). What do you think?

Hello everyone 👋🏻

I've been using getquin for a while now, but have only ever been a silent reader.

Briefly about me:

I'm 25 years old and have been on the stock market since mid-2021. I've been constantly investing in two ETFs since then. One is the $ISAC (-0,59%) and the $CSNDX (+0,11%) . I had briefly saved two more ETFs, but stopped doing so.

Furthermore, I have become more and more involved with the stock market, finance, etc. and have become an increasing fan of dividend shares. I would like to build up a small income on the side for my later future (50 years upwards). In case I no longer want to work 40 hours a week when I'm older. Until then, all dividends will be reinvested. I enjoy seeing the dividends continue to increase.

So since around March I have set up a savings plan of 10 dividend shares. And added two more individual shares. In the meantime, however, I'm considering discontinuing this or switching to one or more dividend etf. But the question is whether or not I should also save in my normal etf.

So would it make sense, for example, to save two non-distributing ETFs for retirement and two dividend ETFs for the last few years of work?

Nevertheless, I would mix individual stocks into my portfolio from time to time because I enjoy it.

My current savings rate is currently divided as follows:

-250€ dividend savings plan

-€450 for the two ETFs mentioned above

-€33.50 for capital-forming benefits (€6.50 from the employer)

-110€ etf Flex retirement provision policy

My savings rate could be a little better, but I bought a house with my brother 1.5 years ago which we renovated ourselves. It is not yet clear whether we will move in, rent it out or sell it. We bought it in a very sought-after area at a good price. But the loan is still a good 3-5 years away.

The performance of my portfolio definitely has room for improvement. However, at the beginning I made very questionable purchases from even more questionable companies. More in the direction of penny stocks. I sold them all. Except $SVA (+0%) . The money is "play money". At the time, I also bought some shares like$SAP (-0,16%) odwe $AMZN (+1,9%) in the Ath area.

Thank you in advance for any helpful feedback on my key question or simply on my portfolio.✌🏻

Hi all, I am planning to put a large sum of money into a World-Etf.

Now the question which $ISAC (-0,59%) or $VWCE (-0,62%) .

Except for the diversification, the two hardly differ. Maybe someone can tell me a few more decisive aspects.

Best regards.