3Mes·

I’m looking for an advise

As a new investor I start my journey really late. I’m 43yo and I’m looking to create something in order to have additional income when I will retire.

For that reason, and after many buying/ selling I ended to these etfs:

$SPXS (+0,59%) - 40% (S&P 500)

$ISAC (+0,97%) - 20% (MSCI ACWI)

$MEUD (+0,24%) - 20% (EUROPE STOXX 600)

$VFEG (+0,21%) - 20% (Emerging Markets)

Can I have your ideas/ thoughts? I want to hold these etfs and dca on them. Thanks for your time.

P.S: The $VUAG (+0,6%) you see is on different account , savings separately for my kids.

5Posizioni

0,37%

9 Commenti

Simone B.@TheRealSimone

3Mes

I think that acwi and s&p are quite redundant since in acwi more than 65% is focused on American market. So this mean that you have like 50% of USA in your portfolio. So I think that if the idea was to slightly reduce the USA % of the portfolio than acwi imi, you did a great job. It will also be easy to manage during time!

•

Harris K.@Kiakotos81

3Mes

@TheRealSimone thanks for the answer. I was aware of that, but personally i believe that US economy will continue to grow the next 20y that's why i wanted to have a greater percentage into US market. Other than that? Does it look fine to you?

••

Simone B.@TheRealSimone

3Mes

More or less it is equivalent to acwi imi with less USA (in acwi imi usa Wright 65%), more Europe and more EM. I think it can be a good portfolio if you think that USA will remain the driver economy but you also want to reduce a bit the USA size in the portfolio and be able to catch also increases in other markets (since em are a part non that small of the portfolio you might have more volatility than an acwi imi)

••

Harris K.@Kiakotos81

3Mes

@TheRealSimone after thinking i make the following switch. Europe Stoxx600 to 25% and MSCI ACWI to 15%. Like that i reduce the percentage to US but introducing EM and Europe more into play. Thank for the conversation.

•

Miro_89@Miro_89

3Settimana

If you have the possibility I would add even something like SCHD for a good snowball effect

••

Miro_89@Miro_89

3Settimana

You get here actually hundrets of ideas, but everybody is a bit different, different strategy, risk appetite, growth oriented, income oriented… but overall with your allocation you’ll be just fine

•

Harris K.@Kiakotos81

3Settimana

@Miro_89 thanks for your perspective. Actually i changed my portfolio from that time... now im 50% s&p, 30% s&p IT sec, 20% vgwe (like schd, but for Europeans)

••

Kochi@K0chi

3Mes

$SPYI or $VWCE is all you need usually. Not more not less. Maybe some $BTC

•

LarryLindt@LarryLindt

3Mes

Just go 100% into the MSCI ACWI 👌🏼

••