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Aldin · 2024-02-14T20:47:43.211948Z

Portfolio Feedback Hey Leute, ich habe mich in den letzten Woche intensive mit ETFs beschäftigt und wollte mein erstes Portfolio starten (bin 19 Österreich) und würde gerne eure Meinung dazu haben. Meine Überlegung war ein Portfolio mit hoher Diversifikation und einer Sektorwetten auf KI & Cyber Security, jedoch bin ich mir unsicher ob ich nicht doch lieber alles simple halten sollte und manche ETFs zusammenfassen sollte mit einem All World ETF $VWCE + nur eine Sektorwette, um die TER niedrig zu halten. z.B. so: $VWCE 75% $ISPY 10% $MEUD 10% $WSML 5% Meinung? Bin sehr überzeugt von Tech Sektor, jedoch mit dem derzeitigen Bull Market bei $NVDA und Co fühl ich mich dazu verleitet abzuwarten. Außerdem bin ich unschlüssig ob ich alle ETFs thesaurierend kaufen soll oder doch ausschüttend um Steuern zu sparen. Würde mich über Optimierung Vorschläge freuen, um einfach ein perfektes Portfolio nach meiner Idee zu erstellen. $SPPW $EIMI $MEUD $WSML $RBOT $ISPY

Aldin

@aldin08

11Mes·

Portfolio feedback

Hey guys,

I've been working intensively with ETFs over the last week and wanted to start my first portfolio (I'm 19 in Austria) and would like to get your opinion on it.

My idea was a portfolio with high diversification and a sector bet on AI & Cyber Security, but I'm not sure if I shouldn't keep everything simple and combine some ETFs with an All World ETF $VWCE (+0,38%) + only one sector bet to keep the TER low.

e.g. like this: $VWCE 75% $ISPY 10% $MEUD 10% $WSML 5% opinion?

I am very convinced of the tech sector, but with the current bull market in $NVDA (+5,96%) and Co I feel tempted to wait and see.

I am also undecided whether I should buy all ETFs accumulating or distributing to save taxes.

I would be happy about optimization suggestions to simply create a perfect portfolio according to my idea.

12 Commenti

11Mes

I would say Simple halt has never done anyone any harm, especially if the portfolio is not yet that large. Do your orders cost you anything? I have friends from Austria who invest via Flatex AT and have to pay €1.50

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Aldin@aldin08

11Mes

@MoR I'm thinking about whether I should also use Flatex AT, as it is tax-simple, or Scalable Capital or Trade Republic. However, I haven't started yet, so I can still make changes.

As far as the small portfolio is concerned, I'm planning to invest for the very long term, so I thought I'd make a portfolio according to my ideas now

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MoR@MoR

11Mes

@aldin08 so the advantage with scalable or tr is that they are free of charge and with flatex at the order costs 1,50€. I would therefore say that if you do not invest 300+ per month then maybe scalable or tr is worthwhile. Otherwise always invest quarterly. That might be worse in the short term but if the investment horizon is 15+ years then it won't make much difference

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Aldin@aldin08

11Mes

@MoR Had planned to invest with a
savings rate of 200€ per month for the first time, as I am currently studying. However, as far as I know, scalable also has an order fee of 0.99€ for trades under 250€, only tr is free I think.

To come back to my question about ETFs, what exactly would you adjust?

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MoR@MoR

11Mes

@aldin08 you should invest in a savings plan with all three, this would be free of charge with scalable and tr, with flatex this savings plan would cost 1.50€. If you decide to go with flatex (I would say this would be the most convenient due to the taxes) you could invest 600€ quarterly and would only pay the 1,50€ (0,25%) once instead of 4,50€ (0,75%).

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Aldin@aldin08

11Mes

@MoR Would then make these changes and convert everything to scalable with savings plans: $VWCE 75% $ISPY 10% $MEUD 10% $WSML 5% Opinion?

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MoR@MoR

11Mes

@aldin08 can be done like this would at least be free of charge. Of course, you would then only have to do the tax yourself

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Das Portfoliopferd@Portfoliopferd

11Mes

Does distributing save taxes in Austria?

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PowerWordChill@PowerWordChill

11Mes

@Portfoliopferd you are cute, NO !

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PowerWordChill@PowerWordChill

11Mes

First of all, I'm sorry that you're from Austria, I sympathize.
I can tell you from experience, keep it simple unless you enjoy it.
A $SPYI is enough to get you started.
I would stay away from sector betting at the beginning, A you are probably too late, B the sector ETFs are often simply bad products.
Take your time and read up on them. And if you want to gamble, then set up a paper portfolio on Gequient, you can set it so that it is not included in your performance and see how it goes.

Enjoy the ride. 😉

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Aldin@aldin08

11Mes

Thank you for your feedback, but why exactly the $SPYI and not another e.g. the $VWCE or one with an even lower TER, if I may ask?

Would it also be a good idea to increase the share with Europe?

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Marco@Marco_91

9Mes

Keep it simple! I have tried both, individual shares and ETFs. Experience has shown me that the simple ("boring") ETFs have always performed better. Sector bets don't usually work....

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