Hello Quinies...

It's me again. I already introduced myself today and told you a bit about myself. You can find the post here: https://getqu.in/ky5xnt/

The current "anchor" in my portfolio is supposed to be an "All-World". At the moment it's a fund $LU0096426845 . With a TER of 2.5% and a management fee of 1.55%, it is quite expensive in comparison. I know that. That's why I want to reallocate the roughly 6K soon.

I've been thinking a lot about what my main position should be now. That's why

I have compared the fund with three ETFs. I would like to find out, and I am also hoping for your expertise, what my value of choice should be now.

a) Vanguard FTSE All-World UCITS ETF USD Dis. $VWRL (-0,04%)

b) Vanguard FTSE Developed World UCITS ETF USD Dis. $VDEV (-0,03%)

c) UniDynamicFonds: Global - -net- A EUR DIS $LU0096426845

d) SPDR MSCI ACWI IMI UCITS ETF USD Dis. $SPSA (-0,04%)

Looking back over five years, I can only compare three, as the $SPSA (-0,04%) was only launched on

03.07.2024 was launched. However, I will come back to this ETF later.

All of the aforementioned positions invest very similarly in international equities and the top 10 stocks are also very similar. At least that's how I see it.

5-year performance

a) +80,68 %

b) +72,64 %

c) +105,94 %

MAX performance

a) +326,08 %

b) +229,76 %

c) +120,36 %

Ergo, in the long term it pays to switch to ETFs.

So if I now, and this is where the $SPSA (-0,04%) comes into play, compare the ETFs, here only the period from 05.07.2024 - 24.12.2024 is possible, all three have a very similar performance.

$VWRL (-0,04%) 8,20%

$VDEV (-0,03%) 8,44%

$SPSA (-0,04%) 8,24%

Now comes part 2 of my consideration. The "purchase price".

- $VWRL (-0,04%) 132.60 euros (TER 0.22)

- $VDEV (-0,03%) 102.83 euros (TER 0.12)

- $SPSA (-0,04%) 10.10 euros (TER 0.17)

Conclusion (mine):

If I am not completely wrong and have overlooked another stock market detail, it would therefore be right to invest the money in the $SPSA (-0,04%) as I can simply buy more shares here and would therefore benefit more from growth.

What do you think?

I look forward to your feedback.

Thank you very much.

Greetings

Daniel

Hello dear community,

Christmas Eve is over and I thought I'd use the time to introduce myself. My name is Daniel, 45 years old, proud father of two grown-up daughters and I'm now also a member.

I burned a lot of money in the 90s with biotech shares on the "Neuer Markt". I think it was Quiagen. No matter. Back then, it wasn't as easy as it is today to get a comprehensive overview of the markets. I was cured for a long time and kept my hands off it. Looking back, not so clever 😩

With regard to my pension, I was actually not completely inactive and will probably have around 5K (per month) before taxes and contributions at 67. In addition, there are payments and shares from Riester, LV, industry pension and separate pension. That should be enough, as I'm actually a frugal person.

In addition, I'm venturing back onto the trading floor with shares and the like.

Now let's move on to my goals in the stock market world.

I want to create as much of a cushion as possible so that I can simply do what I want. Renovate a property, possibly sell it, go traveling, build a new home - anything is possible. And if I do end up giving up early, I want to provide my children with the best possible financial security.

To achieve this, I have structured my portfolio as follows.

35% shares

65% ETFs ETCs and funds

When it comes to shares, I have to admit that I am influenced by current trends and preferences for one brand or another. $AAPL (+0,21%) , $AMZN (+0,13%) etc., have tempted me. However, I quickly realized that I'm not the type for individual stocks. I'm keeping an eye on the shares, but I won't be expanding this part of my portfolio any further and will invest in ETFs again in due course.

In future, the focus will be on ETFs and ETCs, such as gold. $XGDU (+0,45%) gold.

My ETFs are roughly divided up as follows.

- Technology

- industry

- Armaments and defense

- gold

- Raw materials

These are mainly dividend-paying ETFs. I plan to keep reinvesting the dividends via the annual exemption order, in our case EUR 2,000, but save as much tax as possible.

Crypto is a closed book for me. I'm not cut out for this kind of thing. I just don't understand the principle. And somehow too late.

I probably should have invested 100 euros in $BTC (-1,5%) if I had known about it. Then I probably wouldn't have to worry about it today.

In addition to my initial investment, I would like to use the monthly savings installment of 500 euros with an annual growth rate of 3% for the next 20 years to perhaps take a bath in my bathtub like Scrooge McDuck. It probably won't be enough for the money bin, but what the heck.

My basis is the UniDynamicFonds: Global -net- A ($LU0096426845 C ). Yes, I know it's a fund with a relatively high TR. It's a relic from days gone by. However, it has not done badly over the last five years. I will convert this main position into an ETF in due course and steadily build it up. The second fund will then also be transferred to ETFs. Here are the $XAIX (+0,01%) and the $XUTC (-0,14%) are ready.

But I will come back to you with a separate question.

My current larger positions are

- UniDynamicFonds: Global net A $LU0096426845

- UniSector: HighTech A $LU0101441672

- VanEck Defense ETF A $DFEN (-0,34%)

- VanEck Semiconductor ETF A $IE00BMC38736 (+0,42%)

- IE Physical Gold ETC Securities $XGDU (+0,45%)

- VanEck Ms Developed Markets Div Lead ETF $TDIV (-0,04%)

- SPDR MSCI ACWI IMI ETF $SPSA (-0,04%)

The rest is somewhat broadly diversified. I find Health very interesting, but here I have chosen two individual stocks $$NOVO B (+1,59%) & $DXCM (-0,03%) "and I'm still looking for the right ETF. Here I have the $XUHC (+0,33%) for the time being.

In the near future I will be looking at Japan $UIM5 (-0,83%) Nordic countries $XDN0 (+0,54%) Europe $V3EL (+0,47%) and also Germany $VGER (+0,03%) further. I also see long-term potential here and I am creating some distance from my very US and technology-heavy investment stocks.

Roughly speaking, my portfolio should have a large all-world ETF and everything else around it - in keeping with the current times - is the Christmas bauble around the tree.

I look forward to any feedback.

Have a nice holiday season

Best regards

Daniel

____

Thanks to @DonkeyInvestor for the guide 🤪