1Ano·

$IWVL (-0,35%)
$VUAG (-0,34%)
$IWDA (-0,3%)
$EIMI (-0,5%)
$WSML (-0,17%)
$MVEU (-0,28%)
$IWDP (-0,21%)
$ZPRP (-0,32%)
$COMM (-0,2%)
$IGLN (-0,06%)

Does anyone care to give an opinion on my ETF allocation?

Feel free to dismiss my choices. I am looking for a better distribution long term - 20years + with reduced risk (20% drawdawn/year is acceptable to me, more is painfull).

Vê o meu Painel agora!

19 Comentários

AlexSch@AlexSch

1Ano

Oh hell no man wtf have you done to your portfolio

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Lucrash@KapriolenCapital

1Ano

Hell nah over diversification leads to underperformance lil bro

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Mihai@mihaipr

1Ano

my overall TER is at 0.22% which is not too high I think. Why would I get under performance? wouldn't I benefit from all the different classes with an active re-balancing strategy

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Ruud@Rsoeters

1Ano

Buna Mihai. I would indeed agree with Alex that I'm not seeing the reason for each of the ETFs. What is the reasoning for each position? I would, like you did a bit, focus on an All World ETF in the core and add 2 or 3 ETFs as flavor makers, depending on your risk profile. If you don't want to lose a lot the heavier I would go in the All World, like 70-80% of the portfolio. For the other 20-30% you can go riskier in Europe and Emerging Markets. Bonds I think are too early (unless you want a fixed income that is 3,5-4% annually, but you are still building a portfolio); Commodity markets I don't know, so I stay away from it. Then you got small caps and dividend-focused ETFs; those could be interesting strategies to follow (small versus big and growth versus dividends), but I think you complicate it when combining. On morningstar.com you can create an account and put all your positions in there, and run a scan to see how your portfolio is performing / overlapping in positions.

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Mihai@mihaipr

1Ano

@Rsoeters thanks, I am working on reducing the number of ETFs, getting rid of distributing ones, and the commmodities one. It seems that I am too appocalyptic indeed. And it is true that commodities will not bring me any income long term. I used it only as precaution expecting a market crash. Now I don't want to sell it at a loss, but rather keep it and sell it later, without buying anymore.
Your feedback is much appreciated.

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Ruud@Rsoeters

1Ano

A question back. I would love to invest in Romanian stocks, but my current broker is not great in showing that. Which broker are you using in Romania? And do you know a good website that can give me more insight in the Romanian stock market?

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Mihai@mihaipr

1Ano

@Rsoeters Tradeville is the one I use, but only for buying government bonds (which are not taxed btw). Another broker I know is Goldring.

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Mihai@mihaipr

1Ano

@Rsoeters I don't know any specfic website for analysing the romanian market. The fact is that it is too small and risky for me (the main index fell 80% in 2008). And since I live here, I dont want to duplicate my geographic risks: I already earn here, hold a place to live here, I dont want extra idiosyncratic risks

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1Ano

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Mihai@mihaipr

1Ano

@PowerWordChill my idea was to make use of active reballancing at some point. sell bonds to buy equities. and reduce my overall risk

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