I am currently using the $ISAC (+0,51%) I am broadly diversified and generally well positioned, but I would like to be able to weight certain regions independently. I am thinking of the following ETF model:

• An MSCI WORLD EX USA, e.g. $EXUS (+0,66%)
• 
  The classic S&P 500 $CSPX (+0,52%)
• 
  An emerging markets ETF, e.g. $VFEM (-0,29%)

My idea would be (savings plan):

• $EXUS (+0,66%) 40%
• $CSPX (+0,52%) 45%
• $VFEM (-0,29%) 15%

What do you think of the selected ETFs? How would you weight the ETFs in a savings plan with a view to the future?

Hello everyone,

With today's high, I have cracked my first target of €50,000 for the first time.

The next target is of course €100,000, hopefully by the end of 2026/beginning of 2027.

I would therefore like to present my portfolio to you and hope that you will have any suggestions for improvement and constructive ideas.

Basically, the focus is on buy and hold / growth. But a dividend is also nice.

I started thinking more intensively about the whole topic around the beginning/middle of 2023, at the age of 29. The aim is to possibly reach the millions after all, or in any case to have a more comfortable retirement later on.

Before that, it was more about trying things out or the "safe" investment that you get from your parents. In the meantime, we saved in stories such as DWS funds. I still have one of these "corpses", the DWS Vermögens... $HJUF (-0,54%) .

However, this is also to be restructured in the near future.

I am currently working on increasing my ETF positions to get to a ratio of 50%/50%. I have not been so successful with this recently, as I have increased many individual stocks due to the low.

Actually, the iShares Core S&P 500 $CSPX (+0,52%) and FTSE All-World $VWCE (+0,41%) are in the foreground.

Yes, I am also saving here at the same time $VWRL (+0,84%) for a few more dividends a year. You are welcome to give your opinion on whether this makes sense or whether you should only take one of the two.

My current monthly ETF savings plans at a glance,

Core S&P 500 $CSPX (+0,52%) - 150€

All-World $VWCE (+0,41%) - 70€

All-World $VWRL (+0,84%) - 70€

MSCI World $IWDA (+0,44%) - 40€

S&P 500 Information Tech $IUIT (+0,17%) - 30€

All-World High Divid. $VHYL (+0,54%) - 30€

VanEck Sustainable World Equal $TSWE (+0,85%) - 30€

VanEck Developed $TDIV (+0,88%) - 15€

iShare DJ Global Titan 50 $EXI2 (+0,32%) - 15€

Here, too, a merger would be conceivable and also make sense.

For example, since I hold the DJ Global Titan 50 $EXI2 (+0,32%) and the MSCI World $IWDA (+0,44%) with a small amount for ages, I have not yet been able to part with them.

I still save the following shares weekly at €7 each on the side,

$BRK.B (+1,26%)

$BLK (-0,34%)

$PG (+0,36%)

$PEP (+0,31%)

$KO (+0,9%)

In addition to the above, I buy individual shares, ETFs or top up positions worth a further €500, depending on prices.

On average, my monthly savings rate is therefore around €1,000-1,500.

As already mentioned, I would like to ask the community for their opinion, any suggestions for improvement and constructive ideas.

Thank you very much, best regards and happy trading days.

Trailing 12-month PE ratio

The trailing 12-month PE ratio of 25,1 is now slightly above the 5-year average (24,7) and above the 10-year average (22,3).

Forward 12-month PE ratio

The expected 12-month price/earnings ratio is 20,2 and is therefore slightly above the 5-year average (19,9) and above the 10-year average (18,3).

$SPY (+1,08%)
$CSPX (+0,52%)

$CSPX (+0,52%)

https://edition.cnn.com/2025/05/02/investing/us-stock-market

The expected 12-month price/earnings ratio for the S&P 500 is 19.8x, which is slightly below the slightly below the 5-year average (19.9x) (19.9x), but above the 10-year average (18.3).

Data from 25.4.25

The Equity Risk Premium of >5% shows that equities are "cheap" compared to real bond yields.

$SPY (+1,08%)
$CSPX (+0,52%)

Consensus opinion: "With the S&P 500, I only invest in the USA. That's far too risky for me as I'm only invested in one country."

In truth: 40% of the turnover of companies in the S&P 500 comes from abroad.

$CSPX (+0,52%)
$SPY (+1,08%)

Hello, I currently still have €1500 available and want to invest it either in $IWDA (+0,44%) , $CSPX (+0,52%) or something similar (I have already invested in both).

I have now also read something about the $DWSN and the $XRS2 (+0,65%) and was thinking about expanding my portfolio and investing in one of the two.

I would need some clarification as to which would be best, as I have heard that the Russel, for example, is associated with more risk.

What would you do and would you also like to give reasons and set me straight?

I would be grateful for any feedback :)

$VOO (+1,08%) increase. $CSPX (+0,52%)
$VUSA (+0,54%)
$SPYL (+0,53%)
$IUSA (+0,53%)

$CSPX (+0,52%)
$CSNDX (+0,27%)
$EXI2 (+0,32%)
$IWDA (+0,44%)
$EIMI (-0,28%)

A dozen states filed suit against President Donald Trump and his administration on Wednesday, seeking an injunction declaring the new tariffs on foreign imports illegal.

http://cnb.cx/3GobGdW

• The president does not have the power to raise taxes on a whim, but that's exactly what President Trump has been doing with these tariffs," New York Attorney General Letitia James said in a statement on the lawsuit.
• The suit was filed in the U.S. Court of International Trade.
• Since taking office, Trump has issued a series of executive orders imposing a range of tariffs on foreign imports, including a 145% tariff on products made in China.