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(birken)stocks
@birken-stocks
4Mes·

Hello everyone, another question:


After I showed my portfolio the other day, I was increasingly advised to pump everything into an ETF with my savings rate of €100.


Now I have another question, as I have seen how friendly and helpful everyone is here. I currently have three ETFs running, the $IWDA (+0,56%) the $EIMI (+0,23%) and the $IESE (+0,56%) .


Now my question is, is it a good idea to keep them running like this or should I switch to other ETFs or a completely different investment strategy (e.g. 100% in MSCI ACWI) or 60/40 instead of 60/30/10 (I just want to balance out the 60% USA a bit).


Would it also make sense to sell the shares I have already bought? Or do you think it would be stupid to keep them just to see what happens?

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14 Commenti
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Luffy@Luffy3D2Y
4Mes
You are pursuing a specific strategy with the three ETFs. You should continue to pursue it if you believe in it. If you don't know what you're doing, a single world ETF might be the better choice.
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(birken)stocks@birken-stocks
4Mes
@Luffy3D2Y Good observation, thank you!
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beardonfire@beardonfire
4Mes
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(birken)stocks@birken-stocks
4Mes
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wasi@wasi
4Mes
Personally, I would stay away from EM, I am only invested in India. I see no reason to invest in countries such as Saudi Arabia, Mexico, South Africa, Brazil... they will never perform anywhere near as well as the USA or Europe. In my opinion, this is overdiversification.
So either 100% All World or $IWDA (World without EM)
or you mix in something else, which would then be 80% All World or $IWDA + 20% EM/India/China (take your pick. I have 2 ETFs, the current composition is 75.3% $IWDA and 24.7% $INR. However, as the savings rates for both are different, the percentage composition changes every month. You don't look that closely after a while...

Regarding your shares: do you have any to sell? You can't sell 0.xxx shares, only whole shares. That could be difficult with your €2 savings plans. What's more, each sale costs €1, which quickly amounts to 10-20% of a month's capital
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(birken)stocks@birken-stocks
4Mes
@wasi that's right, thanks for the input!
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Bestcapitalinvest@BestCapitalInvest
4Mes
@wasi You are contradicting yourself a bit. You say you wouldn't take EM, but name an ACWI where EM is also represented?
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wasi@wasi
4Mes
@BestCapitalInvest I thought I had expressed myself precisely by explicitly describing the IWDA as "World without EM", that the opposite is of course ACWI with EM. And I wouldn't take it, right - it's just my input and not a recommendation.
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Soprano@Soprano
4Mes
The $IESE definitely belongs in the garbage can
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(birken)stocks@birken-stocks
4Mes
@Soprano Good consideration, was also thinking of selling this and simply switching to the MSCI World, the primary consideration here when buying was to balance out the high US share. Thanks for the input!
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Soprano@Soprano
4Mes
@birken-stocks The question is, what is the point of equalizing the US share? Let's assume that most stock corporations operate internationally anyway. Then there are really only advantages to being domiciled in the USA -> low taxes, low energy costs, low non-wage labor costs, access to highly qualified specialists, access to the most important reserve currency, etc.

In my opinion, a one-ETF solution with an ACWI or World is perfectly adequate.

If you want to be even more radical, you could go as far as just going for the pure S&P500. All sectors are in there anyway and the turnover and sales are generated worldwide - Warren Buffet also recommends this.
The whole thing is then garnished by buying the 10 best shares from Europe, Japan and India as individual shares (with a 1% weighting). The legendary €2 savings plan is then actually enough xD
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(birken)stocks@birken-stocks
4Mes
@Soprano brilliant suggestion! Thank you! I'm currently thinking about 70-20-10 as I already own MSCI World and EM. I would also consider 10% Nasdaq to benefit from tech in particular. Since my goal is long-term anyway and I'm still young, I don't think it's a bad idea.
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Soprano@Soprano
4Mes
@birken-stocks I'm not a fan of either the EM or the Nasdaq. I find 40% in China/Taiwan scary and the Nasdaq makes no sense. Neither are all tech companies in the Nasdaq nor are all 100 companies in the Nasdaq even remotely tech companies. You get a $MDLZ or $HON in the Nasdaq, but you have to do without $CRM and $V, which are only available via the Dow Jones industrial index. Totally logical, right?

That's why the S&P500 is actually the best mix of performance and meaningful market coverage.
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DerDanner@Therapeut
4Mes
Your ETF selection is good would leave out the Europe, it's included in the World
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