Overall, it can be said that managed funds underperform index ETFs after fees over longer periods, although there are always exceptions. One of these exceptions is the $DE0008491051 (-0,02%) UniGlobal. The secret behind it? The fund works with a slight leverage, which results in outperformance. However, the fund's allocation is almost the same as the MSCI World, which is why you should ask yourself whether you can replicate the UniGlobal with lower fees.

That's exactly what I thought and built the following with the help of 3 ETFs:

• 25% $CL2 (+0,12%) (2x MSCI USA)
• 36,5% $SC0H (+0,06%) (MSCI USA)
• 38,5% $EXUS (+0,13%) (MSCI ex USA)

This allocation allows you to invest in the MSCI World with a leverage of 1.25x, with a weighted TER of approx. 0.18%. An emerging markets ETF could also be used to replicate the MSCI ACWI.

I have been using the strategy for a few months now for my ETF share, and the performance is also almost 1.25x the MSCI World performance. However, the disadvantages of the strategy are that you have to rebalance more often, as the MSCI USA share quickly becomes too large/too small due to the leverage, and the desired ratio cannot usually be achieved by new investments alone.

Overall, however, I am satisfied and now handle it in such a way that I leave the leverage between 1.2 and 1.4 and only intervene by selling when these limits are exceeded/fallen short of and otherwise only strengthen the underweighted region through savings plans. In general, however, I would like to see an ETF provider decide to launch a 1.25% MSCI World as a separate ETF product so that I can save myself the trouble of rebalancing.

Hi, I have a question about my ETFs. In order to wait for the election in the USA and see what happens there, I have invested some of my money in the $EXUS (+0,13%) invested. At the same time, I also have the $EIMI (+0,04%) and the $SPPW (-0,01%) .

This has given me sufficient diversification. But ! The $EIMI (+0,04%) is bobbing around at around 2-3 %, whereas the ETF World is logically at around 13 %. With the $EXUS (+0,13%) you have to wait and see. I am aware that the emerging market is currently on hold and that the countries all have their problems.

Would you reallocate or wait and see, because time is money !!!

Thank you and have a nice Christmas.......

Investment decision

Reading time approx. 1-2min.

Hello everyone. I'm facing an investment decision that is "bigger" by my standards (bank clerk trainee).

As I already posted a few days ago, I have opened or set up a new savings plan which I am saving €250 per month.

For those who may not yet be familiar with my savings plan, here are the details again:

Individual shares:

$GOOGL (+0,55%) - 25€

$AMZN (+0,13%) - 25€

$CMG (-0,29%) - 25€

$META (+0,16%) - 25€

$MSFT (+0,08%) - 25€

$NVDA (+0,61%) - 25€

ETFs:

$IWDA (+0,05%) - 50€

$EXUS (+0,13%) - 50€

I know that many, if not almost all, individual shares are already included in the $IWDA (+0,05%) are already included. Nevertheless, the intention is to invest in the respective shares.

Now I am faced with 2 decisions:

On the one hand: I have €1000 of surplus money in my checking account and want to invest it. Now the question is in what? and how much? Does it make more sense to put it all in ETFs or only part in ETFs and part in individual shares? Or all of it in individual shares and then some?

The second thing: when should I invest?

There's a lot going on in the world at the moment.

The fact that around 90% of my savings are in US equities makes me rather worried about investing in the US market at the moment. At least until the Iran-Israel conflict has been resolved.

If this war escalates, I see a certain danger in the US economy which could cause inflation.

Then there are the presidential elections etc.

I would be happy to hear criticism or corrections to my statements. It is possible that I am completely wrong.

In any case, thank you in advance for your help 🫡💸

What is your opinion on the new ETF $EXUS (+0,13%) ?

In my opinion, it would be a very good addition, especially if you are heavily invested in US individual stocks.

As the new ex-USA ETF can now also be traded via Lang & Schwarz, I changed my savings plans today. I will now gradually reallocate the FTSE AW and S&P 500 in order to achieve the desired distribution.

Instead of 100% FTSE AW I am now saving:

63% MSCI USA $SC0H (+0,06%)

27% MSCI World ex USA $EXUS (+0,13%)

10% MSCI EM $XMME (-0,18%)

This now roughly corresponds to the distribution of the FTSE AW. In the long term, however, I will swap the MSCI USA for a 2x leveraged one in favorable situations.

If anyone knows of a better alternative for one of the ETFs mentioned above, please post in the comments :)

MSCI World ex USA ETF $n/a (+0,13%)

A few days ago, Xtrackers launched an ETF that tracks the MSCI World ex USA Index with a TER of just 0.15%.

In my opinion, this ETF could be of interest to many people, as it makes it relatively easy to better manage the US portion of the portfolio. A combination of MSCI USA and this ETF could then replace a pure World ETF.

Another option would be to use this ETF in combination with the MSCI USA, replacing it with the 2x MSCI USA ETF at favorable times in order to benefit from a longer bull market.

Unfortunately, this ETF is not yet tradable at gettex/LS, but should probably be listed there in the next few days/weeks.