3D·

World portfolio: VWRL vs 6 ETF Depot

Goal: A globally diversified portfolio via a savings plan

Option 1:

Everything in the $VWRL (-2,45%)

Option 2:

50% $VUSA (-2,04%)

15% $EIMI (+0,32%)

15% $VEUR (-0,44%)

5% $VJPN (-2,55%)

5% $VAPX (-1,95%)

10% $WSML (-2,25%)

What do you think?

Option 1 would be the simpler approach. No rebalancing. Unscheduled purchases or sales with an ETF are easier and more fee-friendly.

Option 2 allows more control in terms of weighting, so I could reduce the US share from $VWRL (-2,45%) from 62% to 45-50%. In option 2 it would also be possible to swap the S&P 500 for Nasdaq or Amumbo depending on the market cycle to get more performance out of it without the risk of a US overweight.

13 Comentários

Tobi60@Tobi60

I'm lazy, so I'll do option 1

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Jun@Ji_hyun

Very good starting point, but this Vanguard euphoria is expensive and forget the small caps

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golden_twenties@golden_twenties

@Ji_hyun If I understand you correctly, you are leaning towards flexible weighting (option 2), but with iShares/Amundi etc instead of Vanguard?

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Jun@Ji_hyun

@golden_twenties Vanguard is often a good whale, but not always the best. I always do this online ETF comparison and then choose the right one.

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Maximilian@Max095

$FGEQ + $TDIV I also invest in individual shares from different countries, so I am sufficiently diversified and build up a passive income.

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Julian@MoneyISnotREAL

Theoretically, with option 1:
90% $VWRL and 10% $WSML so that it is the same.

Option 1: If you want to keep it simple.
Option 2: For more flexibility, but also a little more effort (several savings plans, rebalancing, possibly higher fees)

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Darth Vader@TheRealDarthVader

Should be clear. Virtually no one beats the market in the long term...

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golden_twenties@golden_twenties

@TheRealDarthVader So the US cluster risk doesn't bother you?

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Darth Vader@TheRealDarthVader

@golden_twenties etf adjusts automatically over time. If the USA loses power and other countries gain, it will be adjusted.

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Knebel-Horst@DoppelSchlechtMinus

$EIMI and $VAPX do not go together. Either use ETFs with MSCI Index or FTSE Index for both. Otherwise you are currently only missing South Korea because it is grouped differently, but it could diverge further in the future.

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golden_twenties@golden_twenties

@DoppelSchlechtMinus You're right.

But does that mean you generally tend towards option 2?

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Knebel-Horst@DoppelSchlechtMinus

@golden_twenties With accumulating ETFs I would rather take a middle course if you are only interested in the US balance. $EXUS + $EIMI + $WSML + US ETF of your choice.

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Smartieeee@Smartieeee

10H

I think option 2 is better. Take a look at $D5V0. I think Andreas Beck's approach is really good. He replicates the global economy himself and weights North America at around 45%. However, his fund is too expensive for me and I simply replicate it with ETFs from Vanguard.

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