5G·

Portfolio feedback

Hi Community,

I am in the process of restructuring my portfolio of around €120k and adjusting the savings plans accordingly - I would like to hear your opinion on this and use the swarm intelligence. My target portfolio should look like this in a few months, the savings plans should be adjusted and probably rebalanced 1x-2x per year:

42.5% MSCI World $IWDA (-1,03%)
42.5% S&P500 $XSXD (-1,13%)
10% gold $IGLN (-0,55%)
5% BTC $BTC (+0,84%)

Briefly about me: investment horizon 30+ years, prefer distributing ETFs from a tax perspective (Austria), am already diversified across investments with bonds and a property

The clump in the USA is quite intentional - the majority of US companies in the indices operate worldwide, which is of similar importance to me as the location of the companies. I deliberately decided against an emerging market ETF because I have confidence in the developed countries and do not foresee the USA losing its supremacy in the distant future.

Would you share this view or change it (e.g. leave out the S&P500 and put 85% in the World?)?

12 Commenti

Doja@Doja

I have a similar strategy and am looking to increase my US share even further. I think 10% is a bit high and would include 5-7% of that in the ETFs. Are you sure you don't want to use an accumulating ETF for this long investment period?

••

Brokémon@Brokemon

@Doja Are you referring to the 10% in gold?
Yes, in Austria the income distributions from ETFs are also taxed if they are not distributed. This means that if I reinvest the income distributions, I have the advantage that the tax is deducted from the income distribution and I don't have to pay the tax out of my cash pocket

••

Brokémon@Brokemon

@Doja Are you expanding the US shares even further? Where do you currently stand?

••

Doja@Doja

@Brokemon Yes, I am referring to the 10% gold. Gold can generate very strong returns (as we have seen recently) but I would focus more on equities and only add a little gold. I am currently 65% World and 36% SP500 in my ETF, the rest in an India ETF. My goal at the moment is just to continue saving in the SP500, as I currently see the greatest opportunities in the USA and most of the companies listed there are global anyway.

••

NoOneElse@NoOneElse

@Doja Why Indian? I am thinking about putting 20% on ETF CHINA.

••

D.S.@Cato_Bamboo

I think your approach is good, and I wouldn't change anything, except you can leave out the 5% BTC. Why BTC with only 5% share? It won't make you wealthy or bankrupt...........

••

Epi@Epi

I would increase both gold and BTC somewhat and weight them equally. This is better for risk and return.

Do you know the $NTSG? 90% MSCIWorld, 60% bonds. That might be interesting.

Otherwise I would possibly think about strategy diversification in addition to asset diversification.

If I were you, I would also include ALL your assets in the investment strategy. If you already have bonds, they will have an impact on the optimal risk profile of your ETF portfolio.

Good luck for the future!

••