Non trovato

Sven · 2024-09-16T09:51:29.175035Z

Eure Schwarm-Intelligenz gewünscht 😉 Gestartet hab ich mit meinen ETF-Investments Ende 2021. Bisher hab ich ohne Konzept mein Geld in den MSCI World (erst $ISAC dann $IWDA ), $IUIT und $IUHC . Dips wurden nachgekauft und wenn die Preise gut waren. Mir ist der chinesische Aktienmarkt ein bisschen suspekt, weil die Regierung dort den Markt erheblich manipulieren kann - deshalb der Schwenk auf den $IWDA Zusätzlich dazu hab ich noch die DWS Fonds, die für mich als Kind angelegt wurden. Die Aktien sind eher zum "Spielen". Da ich noch keine Methode zur Aktienbewertung gefunden habe, die mir ein gutes Gefühl gegeben hat, bin ich hier noch etwas zurückhaltend. $WQDS , $ESIT und $INGR würde ich als Fehltritte bezeichnen und stoße diese vermutlich demnächst ab. Jetzt würde ich gerne auf ein sauberes Konzept setzen und Sparpläne anlegen. Ziel ist es, meine Rente zu sichern und das Vermögen aufzubauen. Jetzt steh ich nur vor der Frage: Wie gewichte ich mein Portfolio am Besten? Core-Sattelite? - Sind $IUIT und $IUHC Satteliten oder doch schon Core? 50% MSCI World Core, 20 % EM und 30% $IUIT / $IUHC ? Wie würdet ihr vorgehen bzw wie würde eure Gewichtung bei meinem Portfolio aussehen? Ich würde mich sehr über Tipps, Vorschläge und Ratschläge freuen. Ich bin etwas ratlos 😁 Vielen Dank für eure Hilfe

Sven

@Sven235

4Mes·

Your swarm intelligence desired 😉

I started my ETF investments at the end of 2021.

So far, I have invested my money in the MSCI World without a concept (only $ISAC (+0,02%) then $IWDA (-0%) ), $IUIT (+0,62%) and $IUHC (-0,35%) . Dips were bought later and when prices were good.

I am a bit suspicious of the Chinese stock market because the government there can manipulate the market considerably - hence the move to the $IWDA (-0%)

I also have the DWS funds that were set up for me as a child.

The shares are more for "playing".

As I haven't yet found a method for evaluating shares that gives me a good feeling, I'm still a bit cautious here.

$WQDS (-0,17%) , $ESIT (+0,88%) and $INGR I would describe these as missteps and will probably sell them soon.

Now I would like to go for a clean concept and invest in savings plans.

The aim is to secure my pension and build up my assets.

Now I'm just faced with the question:

What is the best way to weight my portfolio?

Core-Sattelite? - Are $IUIT (+0,62%) and $IUHC (-0,35%) Sattelites or already core?

50% MSCI World Core, 20% EM and 30% $IUIT (+0,62%) / $IUHC (-0,35%) ?

How would you proceed or what would your weighting look like in my portfolio?

I would be very happy to receive tips, suggestions and advice.

I'm a bit at a loss 😁

Thank you very much for your help

21 Commenti

4Mes

What do you mean by "clean concept"?

You are focusing 100% on B&H shares. No diversification across asset classes or strategies. That increases volatility. If you've only been in the portfolio since 2021, you've never experienced a deep bear market. This means your portfolio contains a high psychological risk. This can cost you 5-10% pa in the long term.

•

Sven@Sven235

4Mes

By a clean concept I mean that I execute the savings plans with fixed percentage values and rebalance 1-2 times a year.

Do you mean that I should also invest in other asset classes? E.g. commodities or bonds?

••

Kevin E.@KevinE

4Mes

@Sven235 This would reduce the vola, but also lower the return. At least if you want to invest for decades to come.

What is the goal (in figures)?

Cash flow x? Assets y? What horizon? And then, of course, there is what Epi says: how well can you cope with vola?

•

Epi@Epi

4Mes

@Sven235 Okay, that's what you mean. I would have expected a clear, logical derivation of the asset allocation and the trading strategy from your goal, your situation and your knowledge, including backtests. Have you considered the dynamic return sequence risk? Sounds nerdy, but in the end it makes up 50% of your pension.

It also depends on whether other asset classes make sense for you.

Your allocation is just like a VW Golf. Somehow you'll get there, and better than with a bicycle (daily allowance), but it's never really optimal. It's too staid to pick up women, too small for a family, too low for a pensioner, etc.

Most people here try to pimp their Golf somehow (Core Satellite) instead of looking for a car that suits their situation.

•

Krush82@Krush82

4Mes

@Epi In the past, a tuned Golf II was still good enough for towing. At least for a certain clientele ;-)

•

Sven@Sven235

4Mes

My goal is to retire as early as possible.
In other words, to break the million mark in 20 years.
At 6% p.a. over 20 years with 1000 per month possible.
I invest around €1000-1500 per month.

••

Sven@Sven235

4Mes

More risk would be conceivable for a portion of the money or for future deposits.

••

Sven@Sven235

4Mes

@Epi How do you value shares and when do you buy them?
Or how do you pimp your Golf? 😁

••

Epi@Epi

4Mes

@KevinE Other asset classes do not always reduce vola and returns. BTC or 2x leveraged gold ETCs can reduce vola and increase returns at the same time. This is certainly not everyone's cup of tea, but you should be aware of these possibilities.

Unfortunately, the argument often goes like this:
-I have 100% ACWI + equities, what can I improve?
-Add gold, that lowers the vola.
-Oh no, I don't care about vola!
-Then mix in BTC, that increases the return.
-Oh no, I wouldn't feel comfortable with that.
-Why not?
-Vola too high.
😅

•

Epi@Epi

4Mes

@Sven235 How do you want to retire with 6%pa and 1 million? Have you thought this through or just quoted pretty figures?
6%pa at 1million makes 60k pa, i.e. 5k pM, minus taxes you get 4k pM net. With a savings rate of 1.5k, this corresponds to 5.5k pM net current income. So either you are currently saving far too little or far too much, or your calculation is wrong.

By the way, if your target return is only 6%pa, you have a lot of leeway to smooth the return curve. Google Meb Faber GAA.

••

Kevin E.@KevinE

4Mes

@Epi by less vola I was referring to the asset classes "commodities" and "bonds" mentioned by TE.

•

Visualizza tutti 6 ulteriori risposte

Wachstums_Aktionär@schokosahne

4Mes

All in all, I would sort the etfs here first, directly and I wouldn't try to cover every area.

Next, I'm an equity investor and I have a clear opinion on ETFs, better less than more.
In your stock selection, the German stocks can all go, see it as a lesson.
I like fortinet very much, the company with the best balance sheet in the whole security sector.

Here I would diversify as 2.
That means as tech take your Alphabet if you are convinced.
I would hold your fortinet or Amazon.

Then I would recommend diversifying the 30% stocks a little.
That means one asml for the industrial / semiconductor market.
Hermes for cyclical consumption.
A thermo fisher for the health sector.
A visa for the financial sector.

I would then relax, these are all very safe companies.
Then you can consider diversifying with precious metals or crypto.
That's really up to you.
That means you turn 16 positions into 8 positions in the best case, 3 etfs and 5 shares.

•

Sven@Sven235

4Mes

@schokosahne I am definitely reducing the ETFs.

Why would you sell all German shares?

Thanks for the tips 👍
What method do you use to value stocks?

••

Wachstums_Aktionär@schokosahne

4Mes

@Sven235 as the yields are significantly weaker. The moat is not there now. In the end, as an investor, I see one thing in shares.

I want the highest return with the lowest risk and there are so many great companies. But they are not based in Germany. We have some in Europe, such as novo nordisk or Hermes.

It's good that you're taking this approach and the sooner you adjust it, the sooner you'll achieve stable and good returns.
I wish you every success

••

TheGuardian@TheGuardian

4Mes

sell/reduce both $IUHC and $ISAC, and into $IWDA.

••