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98Hello everyone,
I want to set up a small share portfolio for my mother-in-law for her pension.
The investment horizon is around 15 years.
She plans to pay in €250 per month.
As soon as the subsidized equity pension option is available (2026), this will also be used.
Now I'm wavering between several options "70-30" method from $IWDA (+0,72%) and $XMME (-1,94%) or a $ACWI .
I could also imagine adding a $XDWT (+0,47%) to add.
Do you have any suggestions or impressions?
Thank you for your ideas!
I am relatively at the beginning of my "investment career"
I am only 19 years young. If you want to know more, just have a look at my profile.
I currently have an MSCI World and an Emerging Markets ETF. Should I switch these to the FTSE AllWorld or keep the same strategy?
As I am still at the beginning, I think that there is still the possibility of switching.
Thank you for your opinions.
Aloha together,
I would like to ask for some swarm intelligence
I would currently like to optimize the ETFs in my portfolio. The aim is to build up assets in the long term.
I would like to have my portfolio roasted, but GetQuinn does not yet allow Flatex AT integration :(
I am currently saving:
$ACWI (260€)
$XMME (-1,94%) (140€)
$XDWT (+0,47%) (300€)
$ISPA (-0,63%) (300€)
The first two are my kind of 70/30 World/ EM, with a slight cluster risk in emerging markets
$XDWT (+0,47%) I primarily use tech stocks to build wealth because it's the sector I know best. Here, too, cluster risk with $ACWI
$ISPA (-0,63%) because the dividends are tasty.
What is your opinion on this?
Hello, dear community,
My 2nd Börsday is approaching and I am taking this opportunity to finally share my portfolio with you.
About me and my strategy: I am an Austrian in my early 40s and dived into the investment universe about 2 ½ years ago, late but still. I was looking for a new project during work-related train journeys, and the stock market and finance had been on my agenda for some time anyway. The first book I came across was Finanzfluss, followed by Gerd Kommer's classic. After six months of intensive research, I finally took the first step and bought my first ETF shares. Since then, the whole thing has become a great passion and the PF has grown quite a bit since then.
My strategy revolves around retirement provision. Of course, a single Allworld ETF would be absolutely sufficient for this, but you know how it is. When you're so deeply involved, you want to tinker around almost every day. That would be too much of a good thing, of course. But in the end, a Core Satellite PF was created that I would like to present to you:
🥑The core consists of MSCI World ($SPPW (+0,68%)) and EM ($XMME (-1,94%)) in the classic 70/30 weighting. They are simply saved stubbornly and bought from my cash reserve in the event of larger dips.
🛰:
🪙 Gold in physical form has given me a lot of pleasure recently!
With $BTC (+0,54%) I recently got my foot in the door. If there are setbacks again, the savings plan will be triggered. $ETH (+0,25%) I'm not yet holding any physical stocks, but will add to them if they weaken. My crypto PF should not have more positions and should not account for more than 5% in total.
📈The individual stocks are my hobby, so to speak, and should never have more than ten positions and should not make up more than 10% of the PF in the long term. Here I have a mix of sectors, regions (of course, the USA is at the forefront and $NVDA (-0,03%) must not be missing), dividend stocks, growth. There are also two speculative legacy investments. They will stay there, I can possibly cope with the total loss and if they do go to the moon one day, I won't mind.
💰I briefly mentioned the cash position. It is (still) earning good interest in the clearing account, should be around 15% of the PF and will be tapped from time to time during setbacks.
I also have money in an extra call money account for short to medium-term investments. However, I haven't entered this here and consider it a separate investment.
So that's how it all looks, I can live with it quite well and sleep peacefully. Thanks for reading and I hope you like it.
I've been asking myself a huge doubt for weeks:
The perfect allocation I want would be 40% $VTI (+1,24%) and 60% $VXUS ... 2 ETFs, covering the large, mid and small-cap market, low purchase commissions, very low management costs (0.05% on average) and assets divided into only two instruments.
The cons of this allocation are having American distribution ETFs that pay me dividends in $ taxed at 26% immediately (living in Italy).
Perhaps, the most suitable alternative for a European investor would be to purchase 4 ETFs which, applying the right %, more or less replicate the allocation of the two above, with higher but more efficient management costs for passive investments (34% $CSUS (+0,97%) , 40% $EXUS (-0,41%) , 16% $XMME (-1,94%) , 10% $WSML (+0,39%) ).
Having the possibility to purchase both ETFs domiciled in Europe and USA, what would you do?
As the new ex-USA ETF can now also be traded via Lang & Schwarz, I changed my savings plans today. I will now gradually reallocate the FTSE AW and S&P 500 in order to achieve the desired distribution.
Instead of 100% FTSE AW I am now saving:
63% MSCI USA $SC0H (+1,08%)
27% MSCI World ex USA $EXUS (-0,41%)
10% MSCI EM $XMME (-1,94%)
This now roughly corresponds to the distribution of the FTSE AW. In the long term, however, I will swap the MSCI USA for a 2x leveraged one in favorable situations.
If anyone knows of a better alternative for one of the ETFs mentioned above, please post in the comments :)
MSCI World ex USA ETF $n/a (-0,41%)
A few days ago, Xtrackers launched an ETF that tracks the MSCI World ex USA Index with a TER of just 0.15%.
In my opinion, this ETF could be of interest to many people, as it makes it relatively easy to better manage the US portion of the portfolio. A combination of MSCI USA and this ETF could then replace a pure World ETF.
Another option would be to use this ETF in combination with the MSCI USA, replacing it with the 2x MSCI USA ETF at favorable times in order to benefit from a longer bull market.
Unfortunately, this ETF is not yet tradable at gettex/LS, but should probably be listed there in the next few days/weeks.
What do you think?
Msci Emerging Markets Etf e.g. $XMME (-1,94%) in your portfolio or has it long been outdated?
Dear community,
after I have often thought about whether I would like to present my portfolio or not, I'll give myself a jolt with the new function and introduce myself briefly:
Who am I?
27 years old, AT. I have been working in development in the semiconductor industry for 3 years, before that I studied at university with holiday jobs and a small part-time job of 8 hours a week. I live with my girlfriend, am addicted to sports and have been addicted to investing for 1 year.
Career portfolio
Due to the (extensive) acquaintance with the co-founder of $MIOTA (+2,61%) I entered the crypto world in 2018 and invested almost €500 (a lot of money as a student at the time) in Iota and other cryptocurrencies. After everything collapsed there (I had -95% in the meantime), I didn't want to know anything more about investing and concentrated on my studies and my life.
With my master's degree and the start of my permanent employment in 2021, the question then arose as to what I would do with my money and I finally ended up investing via various ideas (Amazon dropshipping, startup, etc.). After about 1 month of reading in, my first position was the $LCUW (+0,68%) which I bought at $ASML (-0,38%)
$IFX (-0,83%)
$LIN (-0,49%) and $XMME (-1,94%) expanded it. Over time, more shares were added and by registering on Getquin, the MSCI Word + EM was then shifted to the $VWRL (+0,46%) (thanks to the community :)). Since then, most of the income (savings rate currently 2k/month ~50%) has been invested, $VWRL (+0,46%) and $SPYD (+0,91%) by savings plan + dip purchases, shares always by individual purchases.
Structure
As I come from the technology sector and see where technology is used everywhere, I deliberately have an abundance of technology in my portfolio. Basically, I'm focusing on growth (I'm still young) and core-satellite, with the aim of being able to live well from dividends and withdrawals in my later years and to give my children a good start in life. In addition to the Flatex custody account, there are also a few gambles in the crypto sector, but nothing major. Maybe in 10 years it will help with the house and Lambo
What would I like to change?
Through the community I came across the $SPYD (+0,91%) came to my attention. The good dividends and the good price performance in the past (> $VWRL (+0,46%) ) persuaded me to invest in the ETF as well. In recent weeks, however, I have become increasingly dissatisfied with the ETF's performance, partly because the companies it contains don't quite match my objectives. I will now (after feedback from the community) build up the $EQQQ (+0,76%) as a satellite ETF via a savings plan. The $SPYD (+0,91%) currently remains in place as I expect a tech correction in the near future where the $SPYD (+0,91%) should serve as a support. Whether I keep the Aristocrat or not is still up in the air (outcome of the post was 60% Nasdaq100, 22% SPYD and 18% both), I would be happy to receive feedback here. Also on the watchlist at the moment are $EW (+2,14%) and $CRWD (+0,55%) which, however, is a competitor to $FTNT (+17,41%) is. However, as I consider the sector to be very important for the future, I will get both on board.
Favorite stocks
$ASML (-0,38%) (The technology is extremely interesting)
$CDNS (+0,45%) (The program is complete garbage but quasi monopoly with $SNPS (-2,03%) )
Hate shares
$SRT3 (-1,59%) (Let's see if this is still something, was a purchase on online Google suggestions)
$NRJ (-0,99%) (I'll hold on to it, maybe it will be something in a few years)
$MIOTA (+2,61%) (Well, the share price says it all :D)
I would be happy to receive feedback and suggestions for improvement, please let me know any criticisms/suggestions, that's the only way to keep learning;)
In this sense, enjoy the day and have a nice New Year's Day
Send via Internet-Explorer
China Limbo, how much further down can we go?
Does anyone remember the articles describing how China will overtake the USA?
You rarely hear this narrative these days.
In recent years, to the chagrin of all $XMME (-1,94%)-investors, Chinese shares have come under heavy pressure. In recent weeks, we have seen an accelerated sell-off.
This naturally raises the question for the value investor chad: when is cheap TOO cheap?
Coming from an 18.2 P/E ratio at the beginning of 2021, the market has come back to 7.88 (19 January 2024). This brings us to the same level as insignificant emerging markets without a significant technology sector such as Chile or Austria. 😜
If China were to fall by another 50%, the Chinese market would be between Pakistan and Colombia in terms of its P/E ratio. So there is not much room for downward movement.
Unless some kind of fat tail risk materializes:
Capital market controls by Western countries (as with Russia), expropriation by the CCP or similar.
Such things are currently being priced in, and if they do NOT materialize, we have a lot of upside surprise potential.
What do I do with this information now?
I am currently waiting for a good entry into the $ICHN (-4,98%) I would prefer a really nice "vomit", a weekly or monthly candle that goes below the lows of October 2022.
Then we wait for a rebound.
What if the rebound doesn't come?
As the position will make up a maximum of 5% of my portfolio, I have no problem holding it for longer. As this is a loading bet, there is also no insolvency risk.
Is this safe money? No!
Does the market have to recover at some point? NO!
But the risk/reward ratio looks really good to me right now.
Comments are now open. Please bear in mind that all statements made here may have an impact on your social credit score.
All hail Winnie the Pooh!
And to fulfill my cultural educational mission, here is some constructive criticism of China from the post-reunification era:
Viki Vomit - Prima in China (1995)
https://youtu.be/ljj8OSodhc0?si=NOyOabP4rjWpyRgR
Dear GQ community,
Thoughts on the subject of PF rebalancing:
I am running my two ETFs ($SPPW (+0,68%) / $XMME (-1,94%)) with the classic 70/30 weighting. Small caps should be added soon. Of course, rebalancing is not rocket science here.
If you look into the subject of rebalancing, you will come across all sorts of different ideas. There are even online calculators etc.
I don't think rebalancing by selling and reallocating is a good solution. When you sell securities or assets that have performed better, you also trigger a tax payment (in🇦🇹 unfortunately there are no tax-free allowances). This money is then gone, which is a shame.
That's why I'm in favor of rebalancing exclusively via purchases and savings plan adjustments.
How do you see this, do you think about it, is it relevant here?
I migliori creatori della settimana
