After various evaluations and buying/selling ETFs, I believe I’ve found the balance I want for my portfolio with these three. As for the fourth, I’m undecided whether to keep it or sell it:
$IWDA (+0,2%) one of the most popular ETFs, with safe capital and virtually guaranteed long-term growth. It focuses on developed markets, with a 70% allocation to the US, and has a low TER.
$EIMI (-0,4%) this complements the first ETF by covering the markets it misses, focusing on emerging markets with (in my opinion) a good distribution across countries and sectors. It also has a low TER.
$TDIV (+0,66%) I wanted a dividend-focused ETF, and this one provides global coverage with "solid" companies where the US allocation isn’t dominant. While its TER isn’t very low, the dividends help cover broker fees and some fixed taxes. It also has room for growth, albeit moderate.
My plan is to save consistently with these three, allocating 50% to $IWDA (+0,2%) , 20% to $EIMI (-0,4%) , and 30% to $TDIV (+0,66%) .
$IDVY (-0,2%) I’m considering selling this one. It has a relatively high TER, is distribution-focused, and I don’t currently need the dividends. Additionally, it includes some companies already present in $IWDA (+0,2%) and $TDIV (+0,66%) .
Any thoughts or advice?
Thank you!