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 (+0,26%) 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 (-0,1%) (2x MSCI USA)
• 36,5% $SC0H (+0,04%) (MSCI USA)
• 38,5% $EXUS (+0,12%) (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.

Hello everyone,

First of all about me:

I'm 21 years old, I'm doing a dual degree and have been investing since 07/2023. So far, my portfolio has a size of approx. 17,000€.

My plan is to invest approx. 70% in the $ISAC (-0,09%) and 30% small growth stocks such as $HIMS (+0,46%) , $SOFI (+0,26%) , $MSFT (+0,11%) etc.

The idea behind investing is mainly to supplement my pension and to ensure that the money in my current account is not gradually eaten up by inflation...; i.e. the investment horizon is 30-35 years.

Now to my actual question to you, to get one or two more experienced opinions :)

Until I was 18, my parents regularly saved in a building society savings account, which has been "lying around" with an annual interest rate of 3%.

For over a year now, I've been toying with the idea of closing the building society savings account and transferring most of it to the $ISAC (-0,09%) for the most part.

The building society savings plan was only opened to save money and therefore, after a short time, the waiver of the reduced loan for later housing construction etc. was declared.

As a result, a premium of around €2,500 would be added to the amount of around €15,200 when it was paid out.

In this respect, the idea of reallocating came to me, but I wanted to get one or two opinions from a neutral perspective beforehand in order to weigh it up again...

When I spoke to the contact person at my bank on the phone two days ago without obligation and mentioned my idea, he wasn't so convinced, as the "stock market harbors great risks".

He was also very enthusiastic about the Uniglobal investment fund $DE0008491051 (+0,26%) investment fund and that the bank would also offer this for me, although this idea didn't really appeal to me and I now prefer the $ISAC (-0,09%) prefer.

What do you think of the bank advisor's idea?

Otherwise, I would be grateful for any opinions and wish you a pleasant evening and a nice rest of the weekend :)

Liquidation of the remaining portfolio in favor of private equity project.

Reallocation

Reallocation

Regrouping.

Entsparen. Umschichten.

Withdrawal plan / reallocation

Sale due to custody fee UID with Postbox

Sale for regrouping