1Settimana·

Away with Amundi...

Hello everyone, I need your advice on my portfolio. Classic core satellite strategy with a few just4fun bets.

Unfortunately I overslept the merger of my Lyxor MSCI ETF in March and now have Amundi. Had to pay tax of course and then went into the red with the customs policy. Learning: No more Amundi...

As soon as the ETF is positive, I want to sell it. But I can't decide whether I should simply switch into one $IWDA (+0,34%) or should I rather shift everything into my $IUIT (+0,03%) should I shift everything into mine? I'm simply hoping for a higher return, but that also means more cluster risk... an S&P 500 would also be an option. The USA is simply the yield machine and I'm hoping for a better performance.

Additional question to all Austrians: Would you buy dividend stocks at Trade Republic? I'm with Flatex, my positions are still small but at some point the dividend fee will kick in and I find it really outrageous.

What do you think?

18 Commenti

1Settimana

Would rather stay broad-based. S&p 500 info tech is a sector and region bet. Unsuitable as a core in my opinion. Instead of the worlds, I would take the $SPYI or $VWCE. That gives you an even broader base.

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_Elisa_@_Elisa_

1Settimana

@Snopy thanks for the advice. 🙂

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TotallyLost@TotallyLost

1Settimana

Why if it is positive? You can sell it and buy a new ETF immediately? If you wait until it is positive, the new ETF you buy will have risen by the difference...

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Pope Donkey XXI@DonkeyInvestor

1Settimana

@TotallyLost and he also paid taxes on the profit

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TotallyLost@TotallyLost

1Settimana

@DonkeyInvestor and he is a she, but what else would you expect from a Catholic donkey? 😜

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Pope Donkey XXI@DonkeyInvestor

1Settimana

@TotallyLost Since when have women been allowed to go public?

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TotallyLost@TotallyLost

@DonkeyInvestor so my wife at home is always going to my wallet 🤣

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Pope Donkey XXI@DonkeyInvestor

@TotallyLost schockierend 😱

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Dominik@Dominik_76

1Settimana

It depends on how broadly or concentrated you want to invest in the sectors/countries. The IWDA is an MSCI World and therefore broader than the IUIT. What is the problem with the Amundi? Costs? Domicile? Fund volume? Although the IWDA has a high fund volume, it is more expensive than, for example, an SPDR MSCI World or one from UBS or HSBC. So perhaps first decide on the strategy, how exactly you want to invest in terms of sectors or countries and then compare the options with JUSTETF or EXTRAETF. Perhaps a FTSE all world or an ACWI (IMI) also makes sense.

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_Elisa_@_Elisa_

1Settimana

@Dominik_76 In principle no problem with the Amundi, the merger and the fact that I had to pay tax early just annoyed me... just wanted another provider on principle 😅 I think I'll switch to the FTSE as a core. Thanks for the advice.

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Dominik@Dominik_76

1Settimana

@_Elisa_ You're welcome, and I can well understand that trust in Amundi has suffered as a result. Good luck 🤞 with your investments and a broadly diversified core is not the worst basis. The US share is still almost 65%. As I said, see which strategy best suits your goals.

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LongtermBuyHold@LongtermBuyHold

@_Elisa_ can also happen to you with any other provider. But Amundi is now so big that there should be no more mergers for the time being.

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_Elisa_@_Elisa_

1Settimana

True again, my head probably just doesn't allow me to sell 1% in the red 🤣 but do you also have a tip on whether I should stay with the MSCI or switch to the S&P?

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Julian@MoneyISnotREAL

1Settimana

@_Elisa_ That's for you to decide. Only US companies or the 23 industrialized nations. You are looking at past returns in recent years. Who knows whether it will be the same in the future. With only the S&P500 you would not participate in the upswing of the other stock markets.
The USA is currently represented in the normal world ETF with around 60 - 70% - more than enough for me. Ultimately, this is a question that only you can decide, whether you see the USA being just as strong in the next 30-40 years, or the other way around, whether you see the rest being poor.

Now that the ETF has merged and is based in Ireland ... with a volume of around €9 billion. With a TER of 0.12%, the ETF is low-cost and the same product as Ishares MSCI-World, for example (as it is the same index).

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_Elisa_@_Elisa_

1Settimana

That's right, I still don't think anyone can ever beat the USA, I don't see any competition to the Mag7 in Europe or Asia... I think with all the AI hype it's going to go round soon!

Just want to get out of Amundi on principle, think I'll get the FTSE as a base and just leave it and weight the individual stocks and the $IUIT more heavily. Thanks for your feedback 🙂

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Olli@Olli68

1Settimana

@_Elisa_ Too much US share is certainly not the problem. But too much of a dollar share can be a problem for us Europeans.

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Carsten@Carsten1970

1Settimana

@_Elisa_ "That's right, I still don't think anyone can ever beat the USA, I don't see any competition to the Mag7 in Europe or Asia... I think with all the AI hype it's going to go round soon!"

I wouldn't bet on it. You may be right for the next 10 years.

But in 20 or 30 years? I wouldn't bet on it.
Every industrial nation comes to its knees at some point. the only question is when.

Carsten

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Pope Donkey XXI@DonkeyInvestor

1Settimana

Why wait until it is positive? Have a look here #fehlkauf

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