Hi Community,

I am in the process of restructuring my portfolio of around €120k and adjusting the savings plans accordingly - I would like to hear your opinion on this and use the swarm intelligence. My target portfolio should look like this in a few months, the savings plans should be adjusted and probably rebalanced 1x-2x per year:

• 42.5% MSCI World $IWDA (-1,03%)
• 42.5% S&P500 $XSXD (-1,13%)
• 10% gold $IGLN (-0,55%)
• 5% BTC $BTC (+0,02%)

Briefly about me: investment horizon 30+ years, prefer distributing ETFs from a tax perspective (Austria), am already diversified across investments with bonds and a property

The clump in the USA is quite intentional - the majority of US companies in the indices operate worldwide, which is of similar importance to me as the location of the companies. I deliberately decided against an emerging market ETF because I have confidence in the developed countries and do not foresee the USA losing its supremacy in the distant future.

Would you share this view or change it (e.g. leave out the S&P500 and put 85% in the World?)?

Good or bad decision, what do you think?

I have now decided to invest part of my nest egg in gold (it was actually 80 units = 50+30)

I hope that the momentum in gold will continue and that I will get a higher return than the current 2.75% overnight interest rate. (I am of course aware that this is more risky)

$IGLN (-0,55%)
$EWG2 (+0%)

We all love saving taxes, so from tomorrow gold will be held in $EWG2 (+0%) held

$EWG2 (+0%) Hi everyone, I'm thinking about investing in gold and keep coming across this position here on getquin. Trade Republic does not have this - is there a similar stock there? Is it something like "iShares Physical Gold ETC"? $IGLN (-0,55%) ?

Is it true that the $EWG2 (+0%) tax-free after a holding period of 1 year? I would then switch from my $IGLN (-0,55%) switch. It says on the Internet that brokers generally do not charge tax on sales after 1 year. What is the rule? XD

Talk is silver, silence is gold, but I'll share it with you anyway.

Good evening,

I have just come across the ETF $IEFM (-0,24%) (actually $CEMR, but unfortunately it is not shown here) (Edge Europe Momentum EUR (Acc)) and it seems very interesting to me as it covers the European market. Over the long term, the ETF has had nice growth and the individual companies such as $SAP (-1,87%) , $ASML (-0,72%) , $NOV (-1,63%) but also $RACE (-0,5%) I like very much. In $SAP (-1,87%) I am also already invested. However, I am currently also investing in other ETFs such as the $VWCE (-0,92%) the $IGLN (-0,55%) , the $DFEN (-2,07%) , the $VHYL (-0,58%) (actually $VGWD but it is not shown here either) and the $QDV5 (-0,66%) . Would it be worthwhile to include the $IEFM (-0,24%) in my savings plan and thus increase the European share in my portfolio? What do you think of the ETF?