2G·

Roast my concept...

...you have all become my most valuable advisors here. Every day you prove to me that you enjoy investing and know your stuff.

I am satisfied with my portfolio, but it is too complicated and could be simplified. That's why I'm toying with a new concept until December 2026.

My current portfolio should be streamlined by then and follow a clear long-term line. The tax burden would be devastatingly low in the event of a partial sale if gains and losses are offset against each other.

You are welcome to evaluate, root for, criticize or whatever you like about the future concept here and now 😄

The plan looks like this:

41% of the portfolio size should henceforth $IWDA (+0,19%) be

10% $XMME (-0,62%)

10% $WSML (+0,59%)

8,5% $GGRP (+0,09%)

8,5% $TDIV (+0,76%)

I would sell the FTSE, the other dividend ETFs and the individual stocks. This should reduce the TER slightly and with 9 total positions it would probably not only be clearer but also yield-optimized at best.

I look forward to your opinions on this.

Thanks as always, good returns to you all and best regards

_EvD_ 😊

18Posizioni

244.548,04 €

24,85%

35 Commenti

CrashBurner@Psychedelic_Sunflower

So if you want a new concept, leave out all the ETFs and put everything that concerns equities into an ACWI. Then add Bitcoin and gold with at least 15% each and the thing will fly.

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Epi@Epi

@Psychedelic_Sunflower That's almost the epi portfolio! 😊
60% ACWI, 30% gold, 10% BTC.

Gold and BTC should be roughly equally weighted in terms of volatility to keep fluctuations in check.

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Tobi@Tobiwankenobi500

@Epi can you explain your decision to me $ACWI VS. $VWRL

LG

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Epi@Epi

@Tobiwankenobi500 It's not a dogmatic decision. That's not what matters. Take what you like better and is cheaper. 👍

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Tobi@Tobiwankenobi500

@Epi am already in with a savings plan - true to the motto "fire and forget"

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Epi@Epi

@Tobiwankenobi500 Depending on how long you've been in the stock market, I can almost guarantee that you won't forget ACWI -50%. 😅
The 6%pa is hard-earned money.

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Simon_n@Simon_n

@Epi What do you think of $BOLD, or at least the underlying index, with regard to gold & BTC? Monthly rebalancing based on inverse volatility sounds very sensible in itself, and the ETF does the work for you for 0.65% pa

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Epi@Epi

@Simon_n Be careful with this part!
I had the same idea at first. Then I realized that the part is subject to your income tax. In comparison: $EWG2 and $BTC cost nothing after 1 year of holding. And you can do the little bit of rebalancing once a year in 5 minutes.

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Tobi@Tobiwankenobi500

@Epi What do you think?

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Epi@Epi

@Tobiwankenobi500 What don't you understand?

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Tobi@Tobiwankenobi500

@Epi How did you come up with the -50%?

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Visualizza tutti 16 ulteriori risposte

Olli@Olli68

I would take a EUR-hedged world ETF. The weakness of the dollar will continue.

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Epi@Epi

How are we supposed to advise you if you don't even know your return targets, time horizons, risk aversion, stock market knowledge and willingness to work? We can only guess... 🤷

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Marco@Marco-VI

Oh dear, I'm so tired, I confused you with @Simpson for a moment and was shocked to see your post limiting you to 9 positions😆😂

I wouldn't change too much, it's doing well on the whole and you would be paying unnecessary taxes, Microsoft is a self runner for me personally and you get less capital out of it through taxes than it's worth just to put it into an etf, which has microsoft as one of the biggest positions and buy it back in.

What is your goal? Do you want to spend less time on the stock market? Then of course it makes sense to liquidate individual positions.

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Kai@Dividenden-Sammler

$IWDA and $CSPX together - what's the point? And then the $XMME? If I were you, I would take the $VWRL or $VWCE instead of the 3 ETFs and you would actually have the same thing. You can leave the rest as it is.
If you want it even more compact, you can also use a $SPYY or $ACWI (or similar) for $IWDA, $XMME, $WSML and $CSPX. In my opinion, you have a lot of potential for improvement with the ETFs. Or did you choose the variant based on your accumulated profits and the tax burden?

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_EvD_@_EvD_

@Dividenden-Sammler Thank you for the quick reply. The initial "turnip and cabbage" impression is due to my buy and hold approach. The CSPX is now 85% profitable, so it remains. Although this increases the overall US share, it is still within reason. The same applies to the IWDA - the IWDA / EM / Small Cap on its own is 70/15/15. Together with the dividend satellite as a 20% admixture, these crooked figures come out if the value share is to be 85% of the total portfolio value. So my long-term approach is actually Core - Satellite 80 Value Growth + 20 Dividend. Cash / gold / BTC as diversification and security (gold/cash) or risk element (BTC)

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Max@Divident_e

Too many ETFs with the same content

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Maximilian@Max095

Hey, I think your portfolio is very strong. 😊How old are you? Why don't you invest more in dividends?

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beardonfire@beardonfire

I like your current portfolio, why do you want to change it at all?

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