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Sebastian · 2023-12-29T10:07:57.307849Z

Liebe Leute, es stellt sich gerade die klassische Frage: Welchen ETF sollte ich besparen. Ich bin 29, habe in den letzten Jahren viel Geld in andere Investments (Unternehmen) gesteckt und bespare von meinem privaten Geld nebenbei auch ETFs. Ich werde locker noch 40 Jahre arbeiten (müssen), Kinder stehen in den nächsten 3-5 Jahren nicht am Plan (danach vielleicht schon), daher wäre eine langfristige Strategie sicher sinnvoll. Ich bin eher unsicher, habe nicht die Zeit und ehrlich gesagt auch nicht die Energie, mich lange mit WP-Suche auseinander zu setzen und möchte einfach einen einfachen Anlaufpunkt, der regelmäßig bespart werden kann. Aktuell habe ich $XMAW (mit 9,72% Anteil) und $VHYL (mit 11,44% Anteil) im Portfolio. Aktuell bespare ich den $VHYL mtl. weil ich meine Dividendenausschüttung steigern wollte, überlege gerade aber, auf $XMAW für langfristiges Wachstum zu setzen. Meine Frage: Worauf setzt ihr und warum? Merci und einen guten Rutsch :)

Sebastian

@aiesto

1Anno·

Dear all,

I've just been asked the classic question: Which ETF should I save in? I am 29, have put a lot of money into other investments (companies) in recent years and also save in ETFs from my private money. I will (have to) work for another 40 years, children are not on the agenda for the next 3-5 years (maybe after that), so a long-term strategy would certainly make sense.

I'm rather unsure, don't have the time or, to be honest, the energy to spend a long time looking for securities and just want a simple starting point that I can save in regularly.

I currently have $XMAW (+0,42%) (with 9.72% share) and $VHYL (-0,66%) (with 11.44% share) in the portfolio.

I am currently saving the $VHYL (-0,66%) monthly because I wanted to increase my dividend payout, but am currently considering investing in $XMAW (+0,42%) for long-term growth.

My question: What are you investing in and why?

Merci and a happy new year :)

5 Commenti

Ella Marie Waschbär@DividendenWaschbaer

1Anno

$VWCE is all you need.
With ESG screened, you'll make a huge return.

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Sebastian@aiesto

1Anno

@DividendenWaschbaer I'll take a look, but in a direct comparison since its launch, the $XMAW has performed better than the $VWCE + distribution. Why do you prefer VWCE?

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Ella Marie Waschbär@DividendenWaschbaer

1Anno

@aiesto The $VWCE does not pay out.
The $XMAW has not been around that long (only since 2019). But in the maximum possible period, the VWCE has +49.40% and the XMAW +47.82%.
At the same time, the VWCE is cheaper (albeit only marginally).

Of course, I cannot know whether and to what extent the XMAW performs worse. However, the past shows that ESG criteria perform somewhat worse. Of course, because you exclude companies from the outset on the basis of the criteria.

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GeldmitKopf@cashwithhead

1Anno

Take the Prime Global and Prime Emerging markets from Amundi. It couldn't be cheaper. If you take 85 Global and 15EM you are at a cost of around 0.06 TER

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Sebastian@aiesto

1Anno

@cashwithhead Thanks, I'll have a look at those two!

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