Vik · 2024-05-16T20:19:32.686387Z

Hello dear community, I would like to start saving in an ETF (accumulating). The idea would be to let the interest work for me for as long as possible in order to have a good cushion when I retire (30+ years). I am currently comparing $IWDA and $SPXS . What are your opinions on these two options and do you have any other ETF suggestions? VG

2Ano

Hello @equity_enthusiast_54 Very good approach! Personally, the S&P 500 would be too much America for me (approx. 97%). Of course it has done well in the past but I would rather go for Msci World + Emerging markets - e.g. 70/30 weighting.

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Vik@equity_enthusiast_54

2Ano

Hello @Marco_91, thank you very much for your input! I have already thought about saving in several ETFs. As I understand that a split significantly reduces the compound interest effect, I haven't pursued this idea any further yet. Have you already had any experience with this?

VG

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KevinE@KevinE

2Ano

@equity_enthusiast_54 Why should two separate ETFs hinder the compound interest effect?

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Mabenst@Mabenst

2Ano

@[equity_enthusiast_54](equity_enthusiast_54) it does not, of course, with the same performance of the individual positions :) LG

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Vik@equity_enthusiast_54

2Ano

Hello @Mabenst & @KevinC, I seem to have made a mistake and have just done the math. You are of course right! Sorry for the mistake on my part. I currently find this approach the most attractive :)

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Vik@equity_enthusiast_54

2Ano

Can you recommend emerging markets ETFs?

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Mabenst@Mabenst

2Ano

I would include a little bit, it doesn't have to be 30% (but it is often done). Ultimately, no one knows what will perform better, but you will have more diversification in any case. In the MSCI ACWI you have around 10% emerging markets directly included and therefore still only one ETF or alternatively the FTSE All World, which also includes emerging markets directly. It is then often considered whether, for example, to weight Europe more or reduce the US share (I haven't) or to explicitly add some small caps (I have).

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Vik@equity_enthusiast_54

2Ano

@Mabenst Thanks for your input, I'll take a closer look! :)

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Enrique@Dividenden_Monteur

2Ano

@Marco_91 How can an S&P 500 ETF have 97% America? It must actually have 100% 😅

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KevinE@KevinE

2Ano

@Der_Dividenden_Monteur A part of Switzerland is often shown, but I've also forgotten the reason 😄

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Marco@Marco_91

2Ano

@equity_enthusiast_54 Hi Vik - I agree with the others. I would also not see a point regarding the compound interest effect. VG

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Ella M.@DividendenWaschbaer

2Ano

Why the $SPXS? Is there a special reason for this?

Just asking because it "only" synthetically emulates.

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Vik@equity_enthusiast_54

2Ano

Hi @DividendenWaschbaer, that's a good question. I believe that the tracking error is lower with synthetic mappings than with physical mappings. For this reason, and a recommendation from a friend, I ended up with this ETF, but am open to alternatives.

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Ella M.@DividendenWaschbaer

2Ano

@equity_enthusiast_54 Well, I'll be ordering the $VUAG

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Vik@equity_enthusiast_54

2Ano

@DividendenWaschbaer very interesting, also has a significantly higher fund volume than $SPXS. Are you saving in this as your only ETF or another one to counteract the dependency on America?

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Ella M.@DividendenWaschbaer

2Ano

@equity_enthusiast_54 I have separated my individual shares and my ETF portfolio and both run independently of each other.

The S&P500 is saved as a support for later health insurance contributions.

You can see the other ETFs in my portfolio. The $HMWO is only fed with dividends on a quarterly basis.

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Vik@equity_enthusiast_54

2Ano

@DividendenWaschbaer Thank you very much for your input!

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EdoTensei@EdoT

2Ano

$VWCE auch mal eine Überlegung wert :D

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Vik@equity_enthusiast_54

2Ano

Hello @EdoT Thank you for your input. Are there any arguments that make $VWCE more attractive than $IWDA? Although the latter has a lower dependency on America, it has a significantly lower fund volume.

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EdoTensei@EdoT

2Ano

@equity_enthusiast_54 both ETFs don't really have anything in common :D was just a little tip to have a look at them. The $VWCE is a bit more broadly diversified in emerging countries, also has a small proportion of small caps which $IWDA doesn't have as far as I know, but as I said it doesn't take much :)

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Stulle 🥪@Stullen-Portfolio

2Ano

@equity_enthusiast_54
The fund volume should not concern you too much...It is completely irrelevant from 500 million at the latest, most experts even say from 100 million.

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Luffy@Luffy3D2Y

2Ano

Ich glaube, dass die USA weiterhin die wichtigsten Firmen dieser Welt haben wird. Von daher all in $SPY5 oder den thesaurierenden davon.

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Vik@equity_enthusiast_54

2Ano

Hi @Luffy3D2Y It's quite possible that your assumption is correct. Of course, no one can know exactly what the world will look like in 30+ years. Thanks for your input!

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TheGuardian@TheGuardian

2Ano

S&P 500 - so called „World“ ETFs and other markets still follow US indices.

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Vik@equity_enthusiast_54

2Ano

Hi @TheGuardian, thank you for your input. You are right, most global ETFs are heavily exposed to the US markets (50% or more). In my opinion, this is not necessarily a bad thing. However, I understand that broader diversification leads to more stable performance.

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TheGuardian@TheGuardian

2Ano

@equity_enthusiast_54 I repeat from my other answers - I don’t believe in diversification just for the sake of it. S&P 500 -> 500 companies - World ETFs lower weighted with more than 1000 companies. So, dilution is what you get with diversification unless there is a strategy. I have 30+ years to look to and in that time I would focus on growth for half of that time before going defensive

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Vik@equity_enthusiast_54

2Ano

@TheGuardian I understand what you are saying. I think your approach makes sense. I still need to think a bit before deciding on a strategy, but starting with higher risk/higher return and moving to a more defensive allocation later on makes sense

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Stulle 🥪@Stullen-Portfolio

2Ano

Deine Idee, auf ETFs zu setzen und dann thesaurierend, finde ich richtig gut, deckt sie sich doch weitgehend mit meiner (mir gelingt es so tatsächlich, auf Einzelaktien komplett zu verzichten).

Wichtig für eine gute, persönliche Strategie ist jedoch Zufriedenheit, denn langfristige Zufriedenheit erspart einem das ständige Grübeln und vermeidet quasi-Optimierungen (die oft eher zu Pessimierungen werden).

Für meine persönliche Zufriedenheit, benötige ich beispielsweise für meine "World" als Basis 5 verschiedene ETFs...wobei die großen dabei eben auch nicht plain vanilla a la MSCI World sind, sondern ETFs mit einer angepassten Anlagestrategie (die $JREG u. $GGRG). Bei den ergänzenden EM- und Small Cap ETFs ebenso.

Über kleine Anteile eines World-IT-ETF und eines Nasdaq-ETF hole ich mir eine diesbezügliche bewusste Akzentuierung ins Portfolio.

Über einen speziellen ETF mit Sektor-Rotations-Strategie auf den S&P 500 runde ich das Portfolio ab (wobei der Sektor-Rotations-Strategie-ETF $216361 dauerhaft einen Anteil von über 30% haben wird).

Mit dieser sehr individuellen Zusammenstellung bin ich äußerst zufrieden und konnte bislang vollständig wirderstehen, doch irgendwie auch nur eine Einzelaktie zu kaufen - denn sie brächte mir ja keinen weiteren Vorteil...

Gruß
🥪

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Powell@TheRealPowell

2Ano

After some thought, I decided on de $IWDA and the $EIMI 70/30 split and these are now being saved.

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Der S.@SilberSpekulatius

2Ano

Or $SPYI and 99% of the market economy

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