3Mes·

ETF decision aid

Hi folks,

I also wanted to take the opportunity to ask the community for advice. I'm still quite new here (started in January 2024) and have been thinking about changing my ETF savings plan strategy for a few weeks. I am currently saving the 5 ETFs you see in the screenshot below, each with 200€ / month.

$XDWD (-0,9%)
$IUIT (-3,47%)
$CSNDX (-1,62%)
$VWRL (-0,89%)
$VUSA (-0,77%)

However, I've been thinking more and more about stopping either the S&P 500 Info Tech. or the NASDAQ 100. I actually have two ETFs in mind. Divided into distributing and distributing per world and with a focus on the US, which would then be the case.

However, in recent weeks we have been reading more and more here and in other media about the $TDIV (-0,56%) and also from $JEGP (+0,52%) .

I'm currently a bit torn because I actually want to reduce to four ETFs, but due to $TDIV (-0,56%) and $JEGP (+0,52%) tempted to expand after all 🙈😅

What would you advise me to do? My investment horizon is 30+ years. In addition to the €1,000 in ETFs, I save €1,000 a month to invest in individual shares.

Completely different ideas for the constellation are also welcome. I like to be inspired and think about it.

PS: before I forget, a huge thank you to this great community, which has made my start in investing much easier. The daily posts and discussions are fun and expand my knowledge from day to day. A positive side effect is the reduced consumption of other social media 🤣

Enough said, I look forward to your feedback. Have a nice rest of Sunday everyone!

John

15 Commenti

MrSchnitzel@MrSchnitzel

3Mes

Hello Johannes,
Why so many Etfs? Lots of overlaps...

Reduce to a maximum of 3 and then save a little higher to benefit more from compound interest.

So I would take/recommend either the Msci World or the All World as a basis.

You can also use either the Nasdaq100 or the S&P500 Info Tech. Alternatively, take a look at the AI & Big Data.

You can also add the Tdiv dividend ETF to your portfolio for monthly cash flow.

That would be 3 ETFs and you could profit more from them than from the ones you currently have scattered around.

Best regards my dear and very nice savings rate and great that you also still have a long investment horizon, top conditions. :)

•

Visualizza tutti 9 ulteriori risposte

AdriInvests@AdriInvests

3Mes

I would save in the nasdaq-100 and throw everything else out. The nasdaq-100 is diversified enough. Above all because the highly weighted companies also sell worldwide. World ETFs are crap in my opinion, as they contain too many bad positions that reduce the returns of the good (mostly western) companies. I'm not familiar with the S&P IT ETF, but I would imagine that there are higher fees and the focus on IT unnecessarily limits the choice of positions.
To summarize, you would save on fees, eliminate redundancies, still stay diversified and save in an ETF that has high relevance and therefore high volume.

•