I have a question for you. So far I have only saved one $IWDA (+1,3%) saved. However, I would now like to diversify this core more. In future, I would like to invest 65% in the $IWDA (+1,3%) 20% in a $XMME (+0,63%) 10% in $EXSA (+0,85%) and 5% in $EWG2 (+1,16%) into one. Should I now save the amount I have already saved with the new allocation from next month or should I divide the sums between the new ETFs until the allocation is correct?
Xtrackers MSCI Emerging Markets ETF
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ISIN: IE00BTJRMP35
Ticker: XMME
IE00BTJRMP35
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108
4Settimana·
Tech-Driven Long-Term Investment Portfolio
Good evening, everyone!
I’m looking for some advice on my investment portfolio and would greatly appreciate your recommendations.
A bit about me: I’m 32 years old and have been investing for the past three years. My goal is long-term investing, with a horizon of 20 years or more. As a programmer, I’m particularly interested in building a diversified portfolio with a focus on the technology sector.
Since investing is not my primary field, I want to keep my strategy as stress-free and passive as possible. My idea is to keep it as simple as possible. At the moment, I can invest around €1,200 per month.
The distribution I’m aiming for is as follows, although I plan to rebalance my portfolio monthly to achieve it:
- 40% MSCI World ETF $IWDA (+1,3%)
- 15% MSCI Emerging Markets ETF $XMME (+0,63%)
- 15% Bitcoin (or a Bitcoin ETF) $BTC (+0,59%)
10% Nasdaq-100 ETF $CSNDX (+2,07%)- 10% Smallcaps Rusell 2000 $XRS2 (+1,28%)
- 5% Physical gold $GLDA (+1,1%)
- 5% Thematic ETFs (e.g., Semiconductors. I’m also considering adding ETFs related to AI, big data, or other emerging trends. I’d love to hear your suggestions on this.) $SMH (+4,32%)
Does this allocation make sense to you? Are there any adjustments you’d recommend based on my goals and risk profile? I’m open to any feedback or suggestions you may have.
7Posizioni
23.938,52 €
2,19%
22
3 Commenti
4Settimana
Hey,
I like your idea of building a diversified portfolio and I can see that thought about your strategy and don't want to invest in something you don't understand. 🚀
My only recommendation would be to focus on a small amount of invests. I personally would skip the $CSNDX and the $XRS2 as well as the $SMH ETFs because your World-ETF already covers a large piece of the US industry (around 70% according to the allocation). If you would invest in other US focused stock you would make yourself dependent which is not what you want when investing diversified. 😎
My Tip - just try to diversify your portfolio, focus on a few but stable invests and try to keep it simple - with this you will have the best results while using only a small piece of your time per day/week! ⏰
Hope this helps! 😄
(Don't mind my english - I'm not a native speaker 😅)
I like your idea of building a diversified portfolio and I can see that thought about your strategy and don't want to invest in something you don't understand. 🚀
My only recommendation would be to focus on a small amount of invests. I personally would skip the $CSNDX and the $XRS2 as well as the $SMH ETFs because your World-ETF already covers a large piece of the US industry (around 70% according to the allocation). If you would invest in other US focused stock you would make yourself dependent which is not what you want when investing diversified. 😎
My Tip - just try to diversify your portfolio, focus on a few but stable invests and try to keep it simple - with this you will have the best results while using only a small piece of your time per day/week! ⏰
Hope this helps! 😄
(Don't mind my english - I'm not a native speaker 😅)
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44
•2Mes·
Let's see how you can help me!
Hello to the community!
Before the holidays last year, I dared to take the step of liquidating my building society savings and reducing my call money account. The basic idea was a 70/30 savings plan in $IWDA (+1,3%) and $XMME (+0,63%) to make everything a bit more diversified!
I also bought a few individual stocks. My favorites are $1810 (+0,73%) (has gone very well for me personally so far) and $TTWO (+3,65%) (because of the good prospects for GTA - intended as a gamble, so don't get hung up on it)
How would you mainly rate the 70/30 strategy? Stupid move? Go ahead with it? What about the $VWRL (+1,37%) ?
I'm already looking forward to your reviews!
9Posizioni
10,12%
33
1 Commento2Mes
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11
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2Mes·
Quite a successful start to the year 2025
My portfolio has made a good start to the new year, up around 2.5% (as at the time of writing). I also think the overall position is quite okay. I'm currently enjoying individual shares more, which is why I'm not quite happy with my 70/30 ETF/share strategy. However, my savings plans are still the same.
$IWDA (+1,3%) 70%
$XMME (+0,63%) 30%
I also save $1810 (+0,73%) with a small savings rate.
However, I am currently considering diversifying the Chinese market with $1211 (-1,08%) .
In addition $ELF (+5,16%) the last few days, as I expect a good return there due to the sell-off, which was actually not so bad and in my opinion too strong. But as I said, this is pure speculation.
My next goals are the 5k which I will probably reach this year with my savings rate. That's why I've raised it to 10k =)
Feel free to write your opinion on the portfolio or my approaches, as I said I am not a professional but rather a beginner ; )
15Posizioni
4897,23 €
7,67%
11
1 CommentoBYD is growing fast in Europe and taking Tesla place. Might be a good buy, but don't forget that too much exposure in China isn't good. Nice portfolio
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2Mes·
Tips for neophyte investor
Non avevo un’educazione finanziaria fino a luglio quando iscrivendomi ad un corso di laurea in finanza ho scoperto una passione. Mi piacerebbe avere dei pareri o dei tips per migliorare il mio portafoglio😊
in watchlist attualmente ho anche $SPOT (+1,45%)
$NFLX (+4,18%)
$LDO (+1,49%)
$SCWX (+1,54%)
$XMME (+0,63%)
$IUIT (+2,46%)
17Posizioni
1005,50 €
10,64%
33
2 CommentiStarting to invest is probably the best decision so congrats to that. I would keep it simple and have the least individual positions as possible. Stick to ETF's and some individual companies if you find value in them. Don't follow the hype. Good luck.
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55
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3Mes·
Portfolio 2025 new
Moin,
I need a few tips and suggestions for my portfolio.
Current savings plans as of 01.02.25 $IWDA (+1,3%) , $QYLE (+0,92%) , $IUIT (+2,46%) , $ISPA (+1,19%) , $XNAS (+2,28%) , $XMME (+0,63%) .
Every month, €800 goes into the savings plans.
300€ $IWDA (+1,3%)
150€ $QYLE (+0,92%)
100€ $IUIT (+2,46%)
100€ $ISPA (+1,19%)
100€ $XNAS (+2,28%)
50€ $XMME (+0,63%)
Target weighting:
70- 80 % Etf
20-30 % crypto
17Posizioni
40,86%
33
3 Commenti
3Mes
Nice etf selection.I would go with 800€ for max 3 etf's, they are spread out enough. Btw, nice gain on xrp, now sell that shitcoin and put it into bitcoin.
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22
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3Mes·
Portfolio check/assessment
Hello everyone,
briefly about me:
I completed my training as a real estate agent two years ago and started my own business a year ago. Since then, I have set up a property management company and a real estate agency. I currently hold a slightly higher proportion of cash in order to be able to make investments in the company.
My aim is to make passive provisions for retirement with ETFs on the one hand and to buy individual stocks that I like or that have recently experienced a price slide on the other. In this way, I want to benefit from the recovery in the short term and take a few profits on the side.
This is how I am currently investing in my ETFs:
- S&P 500: 60%
- Euro Stoxx 600: 40%
I have deliberately decided against a $ACWI as I prefer to determine the weighting between America and Europe myself. I also don't invest in emerging market ETFs such as $XMME (+0,63%) as I find them too risky.
My crypto allocation is currently very high due to the recent price increases. I will also be selling Doge and XRP soon or taking profits.
I would be interested to know what you think of this strategy, whether you would do anything differently or which buys/sells you would consider.
21Posizioni
30.576,32 €
24,19%
33
1 Commento3Mes
Well, I think we're missing a goal/horizon. First of all, it's great that you ventured straight into self-employment, hats off to you. If you feel so comfortable, there's nothing wrong with it. Personally, I don't think Europe is that strong, but rather the USA, China, India, Singapore or something like that. There's a reason why the countries in the ACWI are so heavily weighted. Nobody can predict what will be best in 30 years' time.
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11
•3Mes·
Build a portfolio with 16
I've finally managed to convince my parents that it's time to dive into the stock market and start investing regularly. As of March, I have a monthly budget of €538 (mini-job), which I will invest in various ETFs and shares to build up a broadly diversified portfolio to have a good buffer after graduating from high school.
My plan:
1. core/buffer (70%)
The majority of my budget goes into broad and stable ETFs that offer broad diversification:
$IWDA (+1,3%) (200 €): This is my basic ETF that covers companies from the largest and developed markets. It offers a stable and long-term source of growth.
$CSNDX (+2,07%) (100 €): This ETF focuses on technology companies that are likely to continue to grow strongly over the next few years.
$XMME (+0,63%) (75 €): I also want to invest in emerging markets such as China, India and Brazil to benefit from the momentum in these regions.
2. theme-specific ETFs (20%)
Here I focus on promising themes and markets:
$DFEN (+1,56%) (50 €): An ETF that invests in the defense industry, a sector that could continue to grow in the coming years.
$INRG (+0,87%) (50 €): Sustainability and the energy transition are important . I would therefore like to invest in renewable energies in order to benefit from green energy.
3. individual shares (10%)
I want to supplement my portfolio with individual stocks that have the potential for strong growth.
~60€ left for:
E.g
I'm delighted that I can finally start investing and I'm excited to see how my portfolio will develop over the next few years!
Any ideas for improvement or tips? Keep them coming 👀
6Posizioni
45,92 €
0,82%
1919
23 Commenti
3Mes
First of all, great respect.
But I would rather concentrate on your core, i.e. the first three mentioned, if you think this makes sense.
When it comes to ETFs, I'm not sure whether this is such a good addition. Palantir is the largest position, it's already in the Nasdaq anyway and I think also in the msci (if not, it shouldn't be too long now). That means you have Palantir in your portfolio three times. The same applies to NVIDIA. It also has to be said that it takes far too long until you have invested a reasonable amount in NVIDIA, rather the 50-100€ more in Nasdaq or msci, which invest in NVIDIA anyway.
The Energy ETF is nonsense in my opinion. There are already some companies in the MSCI. If there is a huge upswing there, they will very likely be represented in your core ETFs in the medium to long term anyway.
Concentrate on your World ETF at the beginning, see how the market develops, try to increase your salary (if you finish your training or studies at some point, or simply earn more money that way) and thus also save your money in the medium term.
Then, over time, there will always be setbacks where you can pick up an NVIDIA.
But I would rather concentrate on your core, i.e. the first three mentioned, if you think this makes sense.
When it comes to ETFs, I'm not sure whether this is such a good addition. Palantir is the largest position, it's already in the Nasdaq anyway and I think also in the msci (if not, it shouldn't be too long now). That means you have Palantir in your portfolio three times. The same applies to NVIDIA. It also has to be said that it takes far too long until you have invested a reasonable amount in NVIDIA, rather the 50-100€ more in Nasdaq or msci, which invest in NVIDIA anyway.
The Energy ETF is nonsense in my opinion. There are already some companies in the MSCI. If there is a huge upswing there, they will very likely be represented in your core ETFs in the medium to long term anyway.
Concentrate on your World ETF at the beginning, see how the market develops, try to increase your salary (if you finish your training or studies at some point, or simply earn more money that way) and thus also save your money in the medium term.
Then, over time, there will always be setbacks where you can pick up an NVIDIA.
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88
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3Mes·
Streamlining the portfolio - what would you do?
Dear Community,
Yesterday you were able to help me quickly and effectively. I sold the tiny positions $MATIC (-2,04%) with a considerable loss and $ETH (+0,71%) with a small profit and set up a weekly savings plan on $BTC (+0,59%) set up a weekly savings plan.
In order to simplify and streamline the portfolio even further, I now have the following question for you...
To help you understand my portfolio better, here is a brief explanation:
The main portfolio (currently approx. 150k) is a core-satellite portfolio with 56% $IWDA (+1,3%) , 20% $GGRP (+0,47%) , 12% $WSML (+0,92%) and 12% $XMME (+0,63%) .
With just under 20k is still the $CSPX (+1,47%) in the portfolio.
I have also been holding a separate div growth portfolio (currently approx. 34k) with these stocks for some time:
$MMM (+0,48%) approx. 1500€
$MSFT (+2,08%) approx. 1400€
$ABT (-1,04%) approx. 3300€
$JNJ (-0,93%) approx. 2800€
$PEP (-5,2%) approx. 2700€
$PG (-3,83%) approx. 3300€
$TDIV (+1,06%) approx. 3900€
$WQDS (+1,42%) approx. 3850€
$FGEQ (+1,06%) approx. 3800€
$VWRL (+1,37%) approx. 3750€
$FUSD (+0,86%) approx. 3750€
I save the ETF fraction constantly, nothing should or will change.
I'm just wondering how I should structure the ratio of individual stocks from now on. Should I increase all individual stocks to 5000€ per position or all stocks except Microsoft to 6k? Any other suggestions or ideas? If I simply leave the individual stocks untouched, the money would go into the div ETFs in tranches.
Total TER at 0.22 (which is quite acceptable for me) - and the overlaps are known and also okay for me 😄
Once again, thank you from the bottom of my heart and have a nice rest of Sunday 😎
Best regards
EvD
77
1 CommentoWhat I would do in your position is to maybe merge FGEQ and FUSD into one of them. You already have TDIV als a world ETF. Maybe less options could provide similar results?
You could also merge your world ETF's into one?
Im not a fan of MMM to be honest. Low ROI. Might be good to ditch it and funnel the money into one of the dividend ETF's instead.
Maybe that could be a start?
You could also merge your world ETF's into one?
Im not a fan of MMM to be honest. Low ROI. Might be good to ditch it and funnel the money into one of the dividend ETF's instead.
Maybe that could be a start?
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3Mes·
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 (+1,47%)
$VUSA (+1,4%)
$EIMI (+0,75%)
$XMME (+0,63%)
$SMEA (+0,77%)
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