Postos
466Regretly, I have made some key errors with my portfolio, that caused serious drawn downs last month, mainly $DEFI (-0,66%) . I became over-invested ànd am -19% down; will be looking to trim 30-40% at breakeven. On the bright side, $VWCE (+0,42%)
$RKLB (-2,3%)
$INOD (-2,64%) and $2330 were good anchors. Finally,
$3350 (-2,51%) is also -39% down, but I will continue DCA and hold.
On track to reach USD 100k by mid next year.
As mentioned earlier, my entire equity allocation going forward is now consolidated into $VWCE (+0,42%)
A few additional tweaks to my strategy:
@Smudeo There are a few more stocks now. But somehow I believe that all the stocks will outperform in the next 5-10 years. The portfolio will be increased to around €5k. This is primarily about fun, experience and a bit of gambling.
As the rest of the portfolio is very balanced, I wanted to include some high-risk and very highly valued stocks. The big players are already weighted high enough in my main portfolio.
What do you think? Will this portfolio beat the $VWCE (+0,42%) beat the 😂
Hello everyone and thank you again if you have any constructive feedback:
I have recently been thinking about my strategy (monthly +/- CHF 500.- in individual shares) in order to expand it with CHF 100.- each in $CHDVD
$VWCE (+0,42%)
$VHYG (+0,12%) and $ZGLD . At the end of the year, I would then rebalance each time in order to buy more shares in the ETFs with my savings and/or 13th month's salary. I am aware that I have major overlaps with the ETFs and that I am pursuing specific goals. But that is not the core of my question...
What do you think about investing 50% in individual shares, 40% in ETFs and gold, saving 10% and rebalancing at the end of the year?
This will be my future portfolio allocation and is almost already like this, only small changes need to be made.
ETFs (75%)
$VWCE (+0,42%) (85%)
$TDIV (+0,23%) (10%)
$EIMI (+1,21%) (5%)
Crypto (20%)
Commodities (5%)
________________________________________
I will also pick out a few individual stocks. But I'll only track them separately and see how they perform in a few years. I will probably opt for the following, which are already very popular in the community. $IREN (+13,23%) , $RKLB (-2,3%) , $TTI (+2,06%) , $WM (-1,02%) , $INT (-2,61%) , $SOFI (+3,15%) , $NU (+0,07%) and $DRO (+5,56%) . I will invest a total of around €5K in these shares.
What do you think of the portfolio?
Dear ETF friends,
I need your expert opinion. At first I had started to save the $VWCE (+0,42%) and thought an accumulating variant would be easiest. But now I have often heard dissenting voices and had also put some cash into the $VWRL (+0,43%) I had also put some cash into it. Briefly about me: I am 37 and therefore still have time until I retire, I spend a lot of time with my portfolio anyway and would therefore have no problem reinvesting dividends independently with the paying-out variant.
Pros / cons? Please no other suggestions. One of the two should definitely stay and serve as a private pension. The $VWCE (+0,42%) has the much better entry price for me. My exemption order has already been more than exhausted. So maybe you could leave the other one and just stop saving in it? I would be grateful for any tips from you.
Many thanks 🤗
It’s almost the and of my first year investing at 19 years old, it’s been a good time and a rollercoaster for politics but still had a fun time and I’m looking forward to 2026.
I’m planning to invest €500.00 a month in these stocks/ etf’s
$VWCE (+0,42%) : 40% ~ €200
$EQQQ (+0,65%) : 20% ~ €100
$ASML (+0,86%) : 10% ~ €50
$CRWD (+1,99%) : 10% ~ €50
$CSPX (+0,34%) : 10% ~ €50
$UNH (-2,35%) : 10% ~ €50
I have some small positions and I’m not planning to sell these but just let them run.
If you think I should change something let me know!
To celebrate the 5k mark I’m having some beers tonight… up to the 10K 🚀
Reading time: approx. 10 minutes
The last article was about leveraged daily ETFs - in other words, about momentum, short-term market movements and strategies where timing is crucial. Today it will be much quieter. It's about what remains when markets fluctuate and hypes fade: the fundamentals.
This article is aimed primarily at beginners and is intended to help them find their way through the ETF jungle - to understand which products are truly global, how they differ and how to build a stable core portfolio.
After all, long-term wealth accumulation does not start with the search for the highest return, but with a solid core. In my case, this core consists of three pillars:
These three positions form the backbone of my portfolio. The rest - i.e. rotation strategies, thematic investments or leveraged products - complement the foundation.
Why an ETF comparison is important
"World ETF" sounds like global diversification. In practice, however, many of these funds only cover industrialized countries. The difference between $XDWD (+0,52%) (iShares MSCI World UCITS ETF), $ISAC (+0,32%) (iShares MSCI ACWI UCITS ETF) and $VWCE (+0,42%) (Vanguard FTSE All-World UCITS ETF) is not a marginal detail, but crucial for your own investment strategy.
Anyone who understands these differences quickly realizes how much the selection of the index determines the actual distribution in the portfolio - and how much "world" is actually in your own ETF.
The $ISAC (+0,32%)
(iShares MSCI ACWI UCITS ETF)
The $ISAC (+0,32%) tracks the MSCI All Country World Index - around 2,800 stocks from 47 countries, covering around 85% of global market capitalization.
Regional breakdown (as at October 2025):
This combines the $ISAC (+0,32%) industrialized and emerging markets in one product - exactly what many investors replicate themselves with two ETFs (MSCI World + MSCI Emerging Markets).
The total expense ratio (TER) is currently 0.20% p.a. - extremely favorable for a global fund of this breadth.
I use it as a core building block because it combines global diversification with simplicity: one ETF, one decision, global participation.
$ISAC (+0,32%)
vs. $XDWD (+0,52%)
(iShares MSCI World)
The $XDWD (+0,52%) (iShares MSCI World UCITS ETF) only tracks 23 industrialized countries - no emerging markets, no China, no India. It contains around 1,500 stocks and is heavily dominated by the USA.
The $ISAC (+0,32%) (iShares MSCI ACWI UCITS ETF) expands this base to include 24 emerging markets and thus has around 2,800 stocks. This means:
In recent years, the MSCI World has been slightly ahead because the emerging markets have underperformed. In the long term, these phases tend to even out - and this is precisely where the ACWI shows its strength: It automatically grows with the global economy, even if the regional focus changes.
$ISAC (+0,32%)
vs. $VWCE (+0,42%)
(Vanguard FTSE All-World)
The $VWCE (+0,42%) (Vanguard FTSE All-World UCITS ETF) is the best-known alternative to the $ISAC (+0,32%) . It also combines industrialized and emerging markets, but according to the FTSE index methodology and with around 4,000 shares - i.e. somewhat broader.
Both funds fulfill the same purpose: global coverage in a single product. The differences lie in the details - for example in the country classification (e.g. South Korea is listed as an industrialized country in FTSE, but as an emerging country in MSCI).
The performance is also almost identical. The TER of the $VWCE (+0,42%) at 0.19% p.a. is even slightly lower than that of the $ISAC (+0,32%) . Both funds therefore offer an almost equivalent opportunity to invest globally over the long term.
Concentration in the $ISAC (+0,32%)
Despite its breadth, the ACWI is also concentrated on a few heavyweights. The top 5 positions account for around 18% of the fund (as at October 2025):
This shows how strongly the US technology sector shapes the global markets. This weighting is not a disadvantage, but a true reflection of global market capitalization. I consciously accept this structure, but balance it out with my other core components: $BTC (+0,68%) (Bitcoin) as an uncorrelated asset and $SEGA (-0,14%) (iShares Core Euro Government Bond ETF) as an anchor of stability.
Five-year performance (as at October 2025)
The differences are manageable. The MSCI World benefited more from the dominance of the USA, while $ISAC (+0,32%) and $VWCE (+0,42%) are more broadly based. This global diversification can lead to more stable returns in the long term because it is less dependent on individual markets.
What newcomers can take away from this
In my opinion, an ETF is often sufficient. A global fund like the $ISAC (+0,32%) covers almost all markets - ideal for getting started.
Keep an eye on costs. A TER of 0.20 % is very favorable for this breadth.
Global means USA-dominated. Around two thirds of the fund comes from the United States - and that is currently the market reality.
Simplicity is an advantage. Those who manage fewer products remain more consistent in the long term.
Time beats actionism. The compound interest effect unfolds its power over years - not months.
The $ISAC (+0,32%) (iShares MSCI ACWI UCITS ETF) is the centerpiece of my portfolio. It stands for breadth, simplicity and global participation - and realistically reflects the global economy.
Together with the $BTC (+0,68%) (Bitcoin) - which not only brings potential returns but also diversification to the portfolio - and the $SEGA (-0,14%) (iShares Core Euro Government Bond ETF) as a defensive counterpart, a robust core setup is created that covers all dimensions: Growth, stability and risk diversification.
The rest - thematic or individual investments, rotation strategies or leveraged ideas - completes the foundation.
Questions at the end:
🇺🇸 USA
$SPX500 — Futures are moving in a decisive drop, indicating a strong negative open due to renewed regional bank stress.
$DJ30 — Futures in a sharp decline, dragged down by financial and cyclical stocks.
$NSDQ100 — Futures are markedly lower, with weakness in tech stocks solidifying.
💻 Tech & Growth Snapshot
$NVDA (+2,88%) — Up in pre-market, holding strong against the general weakness thanks to robust AI demand.
$GOOGL (+1,76%) — Under strong pressure, aligned with the overall Nasdaq decline.
$AVGO (-0,78%) — Aggressive profit-taking in the semiconductor sector.
$META (-1,22%) — Stable in pre-market, showing relative strength against its peers.
$MSFT (+0,52%) — Slight dip, following the market's bearish trend.
$QBTS (-10,83%) — Down again, volatility remains extreme in this sector.
$RGTI (-5,62%) — Down, the quantum computing sector is highly sensitive to the risk-off mood.
🛍️ Retail & Commerce
$AMZN (+4,45%) — Down in pre-market, negative sentiment weighs on consumer confidence.
$BABA (-1,36%) — Stable, counter-trending thanks to Asian positive sentiment.
$CVNA (+8,67%) — Down, the stock struggles to find a stable support base.
$SHOP (+0,59%) — Correcting some of its recent gains.
⚕️ Health & Pharmaceutical
$LLY (+4,31%) — Stable/Up slightly, the defensive sector offers timid refuge.
$HIMS (+2,85%) — Profit-taking in pre-market despite recent catalysts.
$INSM (-2,42%) — Mixed, the biotech sector moves disconnectedly, but with caution.
🇪🇺 Europe
STOXX 600 — Opening solidly up, boosted by defensive sectors and positive earnings reports.
GER40 — Up slightly, showing resilience despite US banking worries.
$LDO.MI — Up, the defense sector continues to outperform.
$IBE.MC — Stable, utilities confirm their defensive asset status.
$OKLO — Stable, the nuclear tech stock awaits concrete catalysts.
🏦 Banking & Finance
$$UCG (+0,8%) — Under strong pressure, the financial sector is generally affected by contagion fears.
$$ISP (-0,07%) — Markedly lower, negative sentiment dominates.
$$BAMI (-0,04%)
$CE (+0,8%) , $BPE (+1,09%) — Widespread selling on Italian banks.
$$BBVA (-0,47%) — In strong increase, counter-trending the sector due to positive corporate news or insulation from US regional bank stress.
$AXP (+0,8%) — Down in pre-market, facing consumer slowdown concerns.
$V (-0,58%) — Essentially flat, confirms its more defensive status.
🌏 Asia
$JPN225 — Close down, weighed by Wall Street losses and trade uncertainty.
$KOSPI — Close flat/slightly down, the market remains in a holding pattern.
$HK50 — Sharp fall, due to regional bank pressures and China's plenum anticipation.
$CHINA50 — Weak, caution dominates.
💱 Forex
$EURUSD — Down, the Euro loses ground against the haven Dollar.
$GBPUSD — Down, the Pound is under pressure.
$USDJPY — Falling sharply, the Yen is rallying as the Dollar loses momentum on Fed rate-cut hopes.
$DXY — The Dollar Index is showing strength, acting as a safe haven.
💎 Commodities & Precious Metals
$GLD (+0,19%) — Strong rally, gold hits new record highs on strong safe-haven demand.
$CDE (-11,49%) — Up sharply, following the explosive trend of gold.
$BRENT — Down slightly, global demand fears persist.
$WTI — Losing ground, affected by negative macroeconomic sentiment.
📈 Benchmark ETFs
$VOO (+0,29%) — Tracks the negative S&P 500 futures.
$VGT (+0,51%) — Down, reflecting weakness in the technology sector.
$CSNDX (+0,6%) — Tracks Nasdaq futures in negative territory.
$VWCE (+0,42%) — Stable/Down, reflects the mixed global trend.
$BND (-0,34%) — Up, as bond yields fall due to safe-haven demand.
💰 Crypto
$BTC (+0,68%) — Down slightly, aligned with the general risk-off mood.
$ETH (+1,62%) — Following Bitcoin, showing broad weakness.
$CRO (+2,78%) — Flat/Down slightly, in line with the rest of the market.
$TRX (-5,56%) — Down slightly, the sector struggles to find significant support.
🚀 Space & New Tech
$RKLB (-2,3%) — Weak in pre-market, aligning with other growth stocks.
🔎 Deep Dive: Gold & Banking Stress
The day is polarized: the strong safe-haven demand for Gold ($GLD) is the dominant theme, hitting new all-time highs due to persistent US regional bank stress. While European markets, specifically $BBVA.MC, show resilience and an isolated uptrend, the US futures and Italian financial stocks are struggling. The overall takeaway is a heightened sense of systemic risk, forcing investors into traditional havens while penalizing US high-beta stocks. The strength of $NVDA remains a key structural theme resisting the general decline.
⚠️ Disclaimer: Past performance is not indicative of future results. Investing involves risks, including the loss of capital.
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