iShares MSCI ACWI ETF Forum

Hello 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!

#aktienrente
#etfs
#rente

So, after my lukewarm stumble onto the stage of the community recently, now for real:

Hello everyone (friendly nods to all),

I've been a mostly silent reader for a while now, but I'd like to introduce myself - even if I don't know what I'm up to - in keeping with local custom:

I am 55 & a civil servant in the Federal Civil Service, which puts me in the fortunate position (I hope) of not having to rely on additional income from investments for a materially bearable retirement (in twelve years' time, I would just about reach retirement without deductions after 40 years in the civil service). Investment is therefore essentially a consumption alternative, a safety cushion and - later - intended for my sons (living with their mother, 17 & 13 years old; each with their own portfolios / savings plans). My investment horizon is therefore open ended (or determined biologically or by the legitimate major needs of the offspring).

My investment history - still perceptible in the portfolio presented here - begins in 1996/1997 with the first (and later unfortunately also the second) placement of the $DTE (+0,79%) T-share and the IPO of $PSM (-1,94%) ProSieben (which has since more than made up for its initial investment through dividends, good boy). At some point, he inherited the current e.on position from his grandparents $EOAN (-1,03%) e.on position and a position in $VOW3 (-2,26%) Volkswagen, which I sold several years later on the advice of my savings bank at the time (bygones).

Then nothing for a long time (studies/traineeship, career start - I was "investing in my current account" and couldn't even manage to process my business trip expenses on time, tststs).

With a wife and children came the need to make provisions (the little guys simply cost a tidy sum through the cycle), which I initially did through sporadic ad hoc investments:

In particular hubris, at the beginning of the subprime crisis I trusted the investment banks to have everything under control and bought shares in $DBK (-2,66%) Deutsche Bank (close to ATH), Bear Stearns and Merrill Lynch (the relics can be found as a minus at $BAC (+1,3%) Bank of America for Bear Stearns and - invisibly - a tax loss carryforward to offset the now quite respectable $JPM (+0,97%) J.P. Morgan position for Merrill Lynch), $DBK (-2,66%) with additional purchases slowly creeping back into a "perhaps at some point back to zero" zone.

Otherwise, a number of active funds ($n/a LU0557858130, $n/a LU1143163779, $n/a IE00BG7PHW03, $n/a LU1496713741, $n/a DE0008474750, $n/a GB0030932676, $n/a (+0,06%) LU1864952335 and predecessors), of which only $n/a (+0,71%) Pictet Water had actually performed noticeably positively on a time-weighted basis.

From around 2015, I then gradually started to populate the current portfolio with various equity and ETF savings plans at ING ($GOOG (-0,66%) Alphabet C, $AAPL (+0,65%) Apple, $KO (+1,1%) Coca-Cola, $NESN (-0,22%) Nestlé, $BAYN (-1,69%) Bayer (ouch!), $SIE (-2,51%) Siemens, $DIS (+0,84%) Walt Disney, $PFE (-1,75%) Pfizer, $PR1J (-0,47%), $FLXC (-3,89%), $FLXK (-2,12%), $EXS1 (-1,03%), $LCUK (-0,74%), $C060, $XMUS (+1,01%), $DBXW (+0,77%), mostly at 50 euros/month), supplemented by a few nicely timed individual purchases in $AAPL (+0,65%) , when it was still trading at around 80 euros before the 3:1 stock split, as well as $MT (-1,08%) AcelorMittal and $BHP (-3,74%) (mini position, but with a nice dividend yield since then).

With supply chain problems and inflation emerging at the end of corona/beginning of Ukraine, I then started to invest in another portfolio, the actually far too expensive $SPAG (-0,23%) iShares Agribusiness and $EXV6 (-4,17%) iShares STOXX Europe 600 Basic Resources as a hedge against the rising cost of living that had gone wrong (had bet on more pronounced sectoral greed-flation).

Since I have since followed the recommendations of $VWCE (+0,48%) resp. $ACWI (Glashaus!) in the meantime, the aggregated lump and the $AAPL (+0,65%) and $GOOG (-0,66%) was getting a bit scary, but I didn't want to touch the corresponding equity savings plans (more on this in a moment), I put my basic trust in the long-term out-performance of the US equity market into practice by investing in two "equal weight" index funds, namely with $WEBA (+1,23%) on the NASDAQ100 (also with a savings plan) and $XDEW (+1,03%) on the S&P500 (one-off investment only).

Some of this, especially the earlier investment history, is foreign to my Getquin portfolio history, as I only entered this after a portfolio reorganization in early 2023.

Over the years, my employer has steadily introduced stricter regulations for private financial transactions, which currently makes it practically impossible for me to invest in individual names or funds with certain predominant industry shares. However, in an exemplary manner under the rule of law, previously existing savings plans were protected in the respective iterations of the tightening, so that I jealously continue the remaining share savings plans (see above lump at $GOOG (-0,66%) and in particular $AAPL (+0,65%)).

I currently save monthly as follows (savings rate): Grandfathering: $GOOG (-0,66%) (100), $AAPL (+0,65%) (50), $DIS (+0,84%) (50), $PFE (-1,75%) (50), $KO (+1,1%) (50); "regular": $VWCE (+0,48%) (currently 520 with annual 4% dynamic), $SPAG (-0,23%) (100), $WEBA (+1,23%) (100), $EXV6 (-4,17%) (100), $10AJ (+1,78%) (100) and - before first-time execution - (100). $SDIP (-0,46%) (100).

In addition, I have reflected certain market assessments at the respective point in time through individual purchases in country ETFs (long-term catch-up potential of the emerging markets through $HMEF (-1,97%), $FLXC (-3,89%), $FLXK (-2,12%) - $FLXI (-0,03%) was now too expensive for me and the Indian economy was not sufficiently represented by companies listed there; the sleeping innovation giant Japan through $PR1J (-0,47%), "luxury always works" even in times of inflation through $DX2G (-1,32%)Europe - especially CH and UK - as a general counterweight to the US through $VEUR (-0,82%) and the sensible Nordics by $XNZN (-0,13%)), so that there is now a colorful bouquet of ETFs. However, I am not fundamentally dissatisfied with this, especially as far as these are distributing & savings plan-capable in my ING portfolio, so that their distributions (from 75 euros) are automatically reinvested ($VEUR (-0,82%) - is so large that this could work for each of the quarterly distributions, $DX2G (-1,32%), $PR1J (-0,47%)).

I think that as long as I am still subject to my employer's investment restrictions, I will only make marginal changes to this. For a "fire and forget" portfolio, however, I could imagine switching to a 70/20/10 portfolio in the medium term. $WEBG (+0,5%), $HMEF (-1,97%), $SDIP (-0,46%) (@ING: please $SDIP (-0,46%) savings plan, thank you!). Let's see what the end of PFOF brings on the cost side, especially for savings plans.

So, that's it; thanks for your patience and perseverance. You're welcome to give me tips, but as I said, my hands are largely tied (and I don't think much of the crypto tulip bulbs until they become an actual means of payment, not just for buying sinister services on the dark web)...

Here's to a successful investment community (&thanks for having me)!

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 (+0,43%) and 50% $ACWI .

Then later I added the $IEMA (-1,98%) added later.

At the moment I am saving about 45% of the $ACWI and the $IEMA (-1,98%) 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

Meal time,

What do you think of the following depot allocation?

4 ETFs:

70% Allword $ACWI

10% Private Equity $DX2D (+0,09%)

10% AI and Big Data $XAIX (+0,57%)

10% India $QDV5 (-0,64%)

Until then🫡

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 and have a nice evening,

I would like to ask you for a portfolio evaluation and suggestions for improvement 👀

Or roast me and tell me just one ETF...🙂‍↔️

Objective:

Long-term wealth accumulation

(Reach the 100k for now - I'm only at 2k but that will bestimmt🤝🏼)

About me:

20Y savings sum 150-200€ month

Trained as a real estate agent (therefore Realty haha)

Investing since the start of training 1.09.23

I wanted to go through my positions individually and tell you why I bought the position and what I think about it at the moment:

💚 - Stay in

( or convince me otherwise)

💛- Divided

MSCI ACWI - $ACWI 💚

An Etf solution - core of the portfolio should make up ~ 40-50% of the portfolio in the long term

MSCI India - $QDV5 (-0,64%) 💚

deliberate doubling with share in ACWI - see great potential and economic growth here

Deka Fond - 💚

I know, no savings bank funds, but these are my VWL and they are worthwhile for me - very tech-heavy and currently yielding good returns

Realty - $O (+2,65%) 💚

Solid monthly payer with great upside potential if interest rates fall

BAT - 💛 $BATS (+0,49%)

Great upside potential - comeback if new tobacco-free products conquer the market

+ High dividend

DHL - 💚 $DHL (+0,1%)

Burggraben - DE - Dividend - Industry pick

Blackrock 💚- $BLK

Burggraben - Great market power + growth + dividend(growth)

United Health 💚 - $UNH (+3,09%)

Moat + dividend growth + stability + growth

Pfizer 💛 - $PFIZER

Big pharma company + comeback potential + dividend

(I will probably sell - possibly buy diabetes pharma company $LLY (+5,07%)
$NOVO B (+0,73%)

Monster 💚 - $MNST (+1,28%)

Growth rocket 🚀 + brand power + no debt

Nextera 💚 - $NEE (+3,84%)

Monopoly position + benefits from falling interest rates + divi(-growth) + utility pick

Volkswagen 💛 - $VOW (-2,5%)

Brand power/portfolio - DE - Dividend - Comeback

ASML 💚💚 - - $ASML (-0,38%)

NL/EU - moat - growth rocket - great future potential

P&G💚 $PG (+3,31%)

Blue chip - Stability - Brand power/portfolio

My watchlist:

$MC (-2,6%)
$DE (-2,8%)
$V (+1,22%)
$META (+0,4%) + Pharma

I have now learned that dividends do not play a major role at my age (more focus on growth in the future), but they all motivate me at times💪.

Unfortunately, I have few tech companies, which has left me with a lot of returns...Tech/IT is still the largest sector in my portfolio with just under 20%🤡

Initially paid a lot of learning money through MPT and too many positions - forgive me 🙈

I'm looking forward to your roast and hope for more than 1ETF solution ;)

Hello friends of the sun,

I have been investing since the beginning of my career (almost 8 months) in the $ACWI and have compared the Etf with a benchmark. $IWDA (+0,72%) as a comparison. I noticed that an All world cannot really keep up.

Now my question: do you have EMs in your portfolio, if so why? and would you recommend switching, if so why?

Perhaps my approach is simply wrong at the moment, so I would be grateful if you could explain the whole thing in a way that a donkey might also understand😄

Thank you!

Hello,

I would like some portfolio feedback.

Is it worth saving in these four ETFs at €100 each?

ISIN:

IE00B6R52259 /

IE00BFY0GT14 /

IE00BK5BQX27 /

LU0274211480

I would like to invest in Europe, Germany and worldwide if possible.

$ACWI

I don't know if this is exciting for you, but we are seeing currency effects in action.

Because the USD has appreciated by almost 3% against the EUR in the last 30 days, euro investors who are invested in USD can rejoice. And gold investors even more so 😉.

It also leads to the situation that a US investor invested in the $ACWI index has made a loss over the course of a month, while a euro investor has made a profit.