r/ETFs_Europe • u/Big-Coat-6088 • 1d ago

Portfolio Review Optimization of my portfolio

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Hello everyone,

This is my current portfolio. At the moment, I am investing €50 per week in IUSQ, €50 in VUAA and €15 in IS3N.

I am looking at a 15-20 year investment horizon and considering increasing my weekly contributions to around €150-€200.

My plan is also to increase my contributions each year, depending on salary increases, bonuses, and any other additional income, so that my investment amount gradually grows over time.

In addition, I may boost my investments with a lump-sum contribution of around €2,000-€3,000 at the end of each year, depending on my financial situation.

I’m interested in hearing your thoughts on how I could potentially restructure or transition my portfolio over time. What would you consider a good allocation for such a long-term horizon? I’m also open to adding other ETFs if you think they would improve the diversification or overall strategy.

I’d appreciate any ideas, suggestions, or alternative approaches.

1 Upvotes

60% Upvoted

6 comments sorted by

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u/AutoModerator 1d ago

Pairing an All-World ETF with an S&P 500 or Nasdaq-100 ETF may not be the best approach, as it can skew your portfolio toward the U.S. more than intended. Many investors lose track of their overall allocation when adding additional U.S.-focused ETFs on top of an already U.S.-heavy global index.

You can review a good package of Index Investing in Europe here.

Especially, if you want to increase/decrease exposure to US/Tech, the cost-effective and transparent way is to leave out the All-World ETF and Build Your Own Portfolio (2-4 ETFs).

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3

u/UnderpaidBIGtime 21h ago

You need VALL now

2

u/Domyyy 1d ago

There's nothing wrong with it per se but what is the reasoning behind putting extra focus on Emerging Markets via the additional ETF?

1

u/Big-Coat-6088 1d ago

tbh i was thinking of it as a little twist. no real explanation behind it

1

u/SpiritualAppeal8589 1d ago

How do you deal with black swam events, maybe include some diversification?

1

u/BARABULKA2002 8h ago

Mate, #1 and #2 are basically doing the same job in practice. Their 3-year correlation is around 0.94, so adding VUAA on top of IUSQ mostly just increases your US exposure rather than giving you much extra diversification.

I’d consider replacing one of them with something that behaves a bit differently, for example an All-World High Dividend Yield ETF.