iShares Core MSCI Europe ETF

ETF

ISIN: IE00B4K48X80

Ticker: SMEA

IE00B4K48X80

SMEA

Price

Discussão sobre SMEA

Postos

Sachsenschleuder

@Sachsenschleuder

8H·

You can take a look

Hi, since I find it really interesting to look at other portfolios, I thought I'd share mine as well.

My story: I'm 20 years old, started a savings plan on an ETF for the first time in November 2024 and then decided to invest in cryptos for a short time. I was never really taught how to handle money. For the first 2 years of my training, I had my account in the red for all sorts of shit. Thanks to a second job, I was able to afford a savings plan with ETFs and individual shares worth €600 for a few months as an apprentice. Now that this is no longer the case, I've made the decision to invest in ETFs and (in my opinion) expensive shares such as $SIE (+0,5%) or $MSFT (+0,28%) to save.

I buy everything else when the price drops and have a good feeling about it for the time being.

I always have this "Mr. Market" example from Warren Buffet in the back of my mind.

In addition, I had considered setting a limit of 10% per individual share in the portfolio to reduce the risk of extremely falling prices.

This $VWCE (+0,26%) was my first savings plan and I'm actually really happy with it so far, except that with a 60% share from the USA, it has given me a bit of a stomach ache over the last few months.

However, because my entire portfolio consisted of American shares. I was able to learn relatively quickly that you should diversify your portfolio across more continents.

In the end, I opted for $SMEA (+0,42%) and $AEJ (+1,06%) in the end.

Over the next few months, I will be saving in both with a higher savings rate than the $VWCE (+0,26%) to balance out all 3 in percentage terms.

At the end of the love story, I would say that I got off lightly with a 3% loss.

What do you think? I'm really looking forward to hearing the different opinions.

6 Comentários

Stay relaxed, you're 20, time is on your side. And falling markets are part of it, things can't always go up. But it's your turn to invest, that's what counts. You're ahead of many of your peers and even older people. 💪🏻

But I would make sure that you expand your chosen ETFs so that the individual stocks can pull your portfolio down as little as possible.
And perhaps don't split into too many positions at the beginning.

•

Drew

@DrewBP

2Semana·

My modular global portfolio strategy 🧩🌍

Hi everyone!

I've been investing for almost a year now with a small amount of capital, mostly to get familiar with the world of markets and personal finance. I’m 26, conservative investor, and I’ve always kept my distance from trading, YouTube “gurus” and get-rich-quick schemes.

After some time learning and experimenting, I wanted to share my strategy and hear what more experienced investors think.

🧠 The idea: build a modular portfolio with global exposure. Instead of the usual split between developed and emerging markets, I prefer dividing by region — using two ETFs per region: one accumulating and one distributing.

Why both? Honestly, I’m still figuring it out — but I like the idea of having some exposure to dividends while reinvesting long-term. My goal is to reach €50,000 in savings as a milestone, partly because that’s the cap for earning interest on Trade Republic’s savings account (which I’m also using).

⚙️ I invest monthly (~€700) and aim to rebalance the weights annually. I selected ETFs with low TERs and (when possible) EUR-based to avoid currency conversion. It’s not always easy to find the perfect match, but here’s the setup:

Europe (40%)

ETF (Acc) --> $SMEA (+0,42%) | ETF(Dist) --> $EQDS (+0,37%)

USA (30%)

ETF (Acc) --> $SPPW (+0,23%) | ETF(Dist) --> $SPY5 (+0,1%)

Emergin Markets (20%)

ETF (Acc) --> $EIMI (+0,65%) | ETF (Dist) --> $IEEM (+0,78%)

Gold + BTC (10%)

ETF --> $SGLD (+0,38%)

The idea is to split each region’s weight equally between the two ETFs — that is, 50% of the region's allocation to each ETF. This results in a total TER of 0.289%.

Would love to hear your thoughts, feedback, or suggestions! Still very new to all this, so any insight from more experienced investors would be super helpful 🙌

Thanks for reading! 🚀

#etfs
#stockanalysis
#dividends
#crypto

Fabian F.

@Fabianfeuer

1Mês·

New recording

I want to make myself less dependent on the USA, so I'm giving Europe a try.

11.03

iShares Core MSCI Europe ETF

Comprado x23 em € 84,83

€ 1.951,09

6 Comentários

Sebi@Seebi

1Mês

good luck💪👍

•

Toname

@Toname

2Mês·

Reallocate securities account

Let's see where the money from the $SMEA (+0,42%) will be invested! 👀

07.03

iShares Core MSCI Europe ETF

Vendido x10,31 em € 85,91

€ 885,51

17,32%

Marto

@Maddy-0

3Mês·

Unit-linked private pension provision

I actually planned to take out my private pension insurance in 2024. Not to come, of course. (Or was too lazy)

Since I've seen a lot here, with 2-3% costs, I think I'm still doing quite well.

I took it out at the beginning of 2024 (then only started looking into it after it was taken out).

As stupid as you can be when you're young...

Or it just sounded too good from Tecis...🙈

Once there is the fund-linked private provision at Volkswohl Bund (€110.25 per month with dynamic)

45% $IWDA (+0,31%) MSCI World

25% $EIMI (+0,65%) MSCI Emerging Markets IMI

20% $SMEA (+0,42%) MSCI Europe

10% $CPXJ (+0,82%) MSCI Parcific ex-Japan

And secondly, the unit-linked Rürup pension, also via Volkswohl Bund with the same allocation. (100€ per month)

In fact, I have to say that I imagined it would be much worse. Let's see where I end up. In any case, the costs are only low for the ETFs listed 😂

4 Comentários

Woodz@DasWoodz

3Mês

In the meantime, I have canceled almost all my unit-linked insurance policies. Unfortunately, I did it far too late.
But everyone has to know for themselves.

••

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👺

@Etf_Milano

4Mês·

Feedback for a beginner

Hello, GQ community!

I'm 50 years old and I'm very new to this interesting world of investments.

I believe it's never too late to learn something and start a new journey.

I plan to travel for about 15 years 🤞🏼🙂

I watched a lot of YouTube videos before deciding to switch to ETFs from simple deposit accounts. Actually I don't have knowledge yet to invest in individual stocks, so I'll go all-in on a few ETFs, trying to diversify a little bit. They say is good not to be entirely exposed to the US market, even though it should be every portfolio's core.

I started with a 5k allocation and I chose $IWDA (+0,31%) as my core, $SMEA (+0,42%) for the European market and $AASI (+1,22%) for a share of emerging markets ( 👉🏼 I wanted them to be Asian only, but then I realized $AASI (+1,22%) overweight US 🙄 Why its name is so deceiving?)

In short guys, by next week I plan to allocate another 20k to boost my portfolio and then saving every month.

I'd make $IWDA (+0,31%) at least 50% of my position, I'm considering the purchase of some $EIMI (+0,65%) shares (more focused on EM) and maybe soon a crypto ETN/ETC (I still have to understand which is the best offered solution from my broker).

I wouldn't exceed 10% for $WGLD (+0,41%) and 5% for the crypto.

- Do you have any tips?

- Do I already have overlaps?

- Does make sense to save on some $IS3R (+0,03%) shares just to get a tiny boost to my returns?

- Which would be the ideal % for every allocation?

[👉🏼 If I get a negative feedback about $IS3R (+0,03%) and $AASI (+1,22%) I won't sell them, but just let run as it is]

Thanks in advance for any precious opinion!

5 Comentários

3Mês

At first: Welcome to the community ✌🏻
You always have to look what kind of replication your ETF does. It can be physical (the etf buys real stocks) or synthetic (the ETF does Swaps). Your EM ETF has a synthetic replication. That’s why getquin shows you different stocks, then the ones that are really part of the ETF. So don’t worry, your EM ETF does not invest into US stocks. You can choose a different EM ETF with physical replication to see the real allocation.

I have some questions for you, so i can give you some advise:
What is your main goal with your portfolio? Do you want to build wealth or a passive income?
Why do you invest in gold? The return not exceedingly high but some people want it as a security. But those buy physical gold.
Are you familiar with the distribution of Bitcoins and how so called whales effect the BTC price?

My answers to your questions:
Yes you have some overlap between the MSCI World and the Europe ETF but this is totally fine because your aim here probably isn’t mainly a greater diversification but a higher weight on european stocks and thereby less weight on US stocks.
In my opinion the Momentum ETF is not a good choice. It invests into stocks that had a high performance in the past but that doesn’t guarantee future returns.
The ideal allocation depends on your opinion on what’s the best ratio of risk and return.

Maybe create some test portfolios here on getquin with different allocations and look at the region and sector allocation. This way, you can adjust it and compare until you find your personal ideal allocation.

•

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RDJS

@RDJS

4Mês·

30 Years of Global Equity Returns by Region

The U.S. has been the dominant global equity market as the top returning region for 10 years out of the past 15, when including 2024 year-to-date performance.

In the period before that, emerging markets were the best-returning region, providing the best returns 12 years in the two decades spanning 1991 to 2010.

Between 2001 to 2010, the MSCI Emerging Market Index , composed of equities from countries like China, Taiwan, India, Brazil, and South Korea, posted robust returns of 15.9%, significantly outperforming developed market stocks over the same period. However, since 2011, emerging market equities have seen just 0.9% in annualized returns.

The biggest period of underperformance for U.S. equities was after the dot-com bubble crash.

From 2002 to 2005, the U.S. was the worst-returning region in terms of equities, with 2002 seeing the worst return ever for U.S. equities at -23%.

Europe’s returns have been less volatile than emerging markets, with fewer extreme highs and lows. However, the region has often underperformed U.S. equities, particularly in recent years. European markets have experienced a strong rebound so far in 2024, driven by easing energy concerns and resiliente consumer spending.

$CSPX (+0,1%)
$VUSA (+0,11%)
$EIMI (+0,65%)
$XMME (+0,7%)
$SMEA (+0,42%)

Jan

@Jan1910

4Mês·

Should you invest in a momentum ETF on Europe?

Due to the weakening European economy and the dependence on global factors, the question arises as to whether a momentum ETF makes more sense.$MCEU (+0,17%) This fund invests specifically in companies that have performed well this year despite the many crises and has achieved a return of +20% this year. It follows the principle that what has done well will continue to do well. A classic European ETF, on the other hand, offers lower costs, but only recorded a return of +8% over the same period $SMEA (+0,42%) . What do you think makes more sense? In terms of the last year, the Momentum ETF was better, is it also better in the long term?

17 Comentários

Dukke@Dukke

4Mês

S&P 500 is better in the long term. Keep it simple.

•

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ChrisRic

@ChrisRic

5Mês·

Quick trivial question about EM vs Europe:

I am relatively at the beginning of my investment career. My investment horizon is therefore +30 years.

I am currently saving the $IWDA (+0,31%) and the $SMEA (+0,42%) The original idea was to overweight Europe.

Now I'm wondering whether the overweighting makes sense or whether I'd be better off investing in the $SMEA (+0,42%) should I switch to the $IEMA (+0,81%) should be reallocated. A combination of all three ETFs would of course also be conceivable.

What do you think?

5 Comentários