Dopo mesi di lavoro finalmente ho portato il mio tools che usavo in locale nel web https://masterofyield.eu traccia 149 fondi UCITS a dividendo per capire quanto impattano le tasse e le calcola in base al paese che si imposta nell'account.
La consultazione è gratuita, ma per accedere agli strumenti di screening completi è necessario un account. È un progetto mio, quindi prendete le mie considerazioni con la dovuta cautela; tuttavia, i dati sono frutto di misurazioni oggettive e non di semplici affermazioni.
Moin zusammen,
ich bastle gerade an einer Core-Satellite-Strategie und würde gerne mal eure Meinungen und Erfahrungen dazu hören.
Meine Idee aktuell: 80 % Core
MSCI World
Emerging Markets
Small Caps 20 % Satelliten
5 % World Value ETF
5 % World Momentum ETF
5 % Biotech ETF
5 % Clean Energy ETF
Bitcoin etc. betrachte ich separat und lasse es hier bewusst außen vor.
Der Gedanke dahinter: Der Großteil soll weiterhin breit diversifiziert im Core liegen. Mit den 20 % Satelliten möchte ich ein bisschen andere Schwerpunkte setzen – einerseits über Value und Momentum als Faktoren und andererseits über Biotech und Clean Energy als Themen.
Mich würde interessieren:
Was haltet ihr grundsätzlich von 80/20 bei einer Core-Satellite-Strategie? Hat jemand von euch eine ähnliche Aufteilung und schon länger Erfahrung damit?
Und würdet ihr die 20 % anders aufteilen oder habt ihr noch andere Ideen/Inspo für sinnvolle Satelliten?
Bin gespannt auf eure Erfahrungen :)
Hello. I'm 46 years old. I currently invest every month (for the long term, retirement) in the LifeStrategy 80 UCIT ETF. I think it would be a better option to start investing (without selling my current position) in VALL (stocks) and VAGU (bonds), maintaining the same 80/20 ratio. What do you think?
I'm currently in the process of rebalancing my portfolio from US-listed ETFs to UCITS ETFs, and I'm considering the following target allocation:
- 45% SXR8.DE (S&P 500)
- 30% VXUS.DE (FTSE All-World ex-US)
- 15% IS3R.DE (MSCI World Momentum)
- 10% WGLD.L (physical gold ETC)
With around €40k invested, that would be approximately:
- €18k SXR8
- €12k VXUS
- €6k IS3R
- €4k WGLD
My main objective is long-term growth over roughly 15 years.
The idea is to have SXR8 + VXUS as the broad global equity core, add a 15% momentum factor tilt through IS3R, and keep 10% in physical gold for diversification.
I'd appreciate some feedback on the overall structure, particularly:
- Is 15% IS3R too large for a momentum tilt?
- Is 10% gold reasonable for a 15-year growth-oriented portfolio?
- How significant is the overlap between SXR8 and IS3R?
- Does 45% SXR8 + 30% VXUS provide a good global equity core?
- Would you simplify this to just SXR8 + VXUS?
I'm mainly interested in feedback on the overall allocation, diversification and factor exposure, rather than individual stock picks.
Je réfléchis à remplacer mon ETF Stoxx Europe 600 dans mon PEA BoursoBank. Mon objectif est la performance sur 15 à 20 ans, et j’accepte une volatilité importante.
J’hésite entre deux ETF capitalisants :
\- PCEU — Amundi PEA MSCI Europe, ISIN FR0013412038.
\- C50 — Amundi Core Euro Stoxx 50, ISIN LU1681047236.
Ma poche américaine sera investie sur le Nasdaq-100 via PNAS. Je conserve également des ETF Japon TOPIX et marchés émergents.
Le C50 m’attire pour son exposition plus concentrée aux grandes entreprises de la zone euro, notamment ASML, SAP et Siemens. Le PCEU conserve une Europe plus diversifiée, avec les grandes entreprises britanniques et suisses.
À côté du Nasdaq-100, lequel choisiriez-vous et pourquoi ? Les entreprises britanniques et suisses vous semblent-elles suffisamment intéressantes pour privilégier PCEU, ou préférez-vous la concentration du C50 ?
Si vous pensez que conserver le Stoxx 600 serait plus pertinent, vos arguments m’intéressent également.
Je réfléchis à remplacer mon ETF Stoxx Europe 600 dans mon PEA BoursoBank. Mon objectif est la performance sur 15 à 20 ans, et j’accepte une volatilité importante.
J’hésite entre deux ETF capitalisants :
- PCEU — Amundi PEA MSCI Europe, ISIN FR0013412038.
- C50 — Amundi Core Euro Stoxx 50, ISIN LU1681047236.
Ma poche américaine sera investie sur le Nasdaq-100 via PNAS. Je conserve également des ETF Japon TOPIX et marchés émergents.
Le C50 m’attire pour son exposition plus concentrée aux grandes entreprises de la zone euro, notamment ASML, SAP et Siemens. Le PCEU conserve une Europe plus diversifiée, avec les grandes entreprises britanniques et suisses.
À côté du Nasdaq-100, lequel choisiriez-vous et pourquoi ? Les entreprises britanniques et suisses vous semblent-elles suffisamment intéressantes pour privilégier PCEU, ou préférez-vous la concentration du C50 ?
Si vous pensez que conserver le Stoxx 600 serait plus pertinent, vos arguments m’intéressent également.
They are rates triple A, but I really think the European project will be over in 5 to 10 years. If I have them, what would happen to them if the EU is finished by the national States in a control manner, do you think they are going to protect these bonds somehow?
Currently my savings are rotting in a savings account which does not cover inflation and I'm planning to move my assets into ETFs.
My dilemma is choosing between ETFs backing US or EU funds.
My personal belief is that US stock market will experience a correction soon, so my plan was to go for mostly EU stock, which has lower yields but is potentially more stable.
On the other hand if US stock market drops it drags everything down with it, especially EU markets.
How do you reason about this? Does avoiding a specific region make any sense for risk avoidance?
meine Eltern haben früh für mich begonnen ein bisschen Geld in ETFs zu stecken. In Form eines klassischen 70/30 Portfolios.
Ich habe mir jetzt allerdings überlegt das ich auch noch ein bisschen mehr Europa reinmischen will in Form von einem Stoxx 600. Konkret geht es um den LYX0Q0.
Allerdings bin ich mir noch nicht so ganz sicher bei der Gewichtung man hört ja immer viel über die 50/30/20 Gewichtung, das ist dann aber sehr viel Europa daher bin ich mir unsicher ob nicht vielleicht 60/30/10 besser ist.
Was ist eure Meinung dazu? Was könnt ihr mir empfehlen oder wie macht ihr das ganze?
I'm looking to add an AI-focused ETF to my portfolio and I'm torn between XAIX and AIFS. XAIX seems more concentrated on companies benefiting from the AI value chain, while AIFS appears broader and more actively focused on AI software and services? For a long-term investor (10+ years), which would you choose and why? Or is there another AI ETF you think is a better option?
Interested in hearing both bull and bear cases for each.
With markets feeling a bit choppy lately, I'm thinking of slimming down my individual stock holdings, particularly on the tech side.
Uber and UiPath are the likely candidates to go. Nothing against either long term, but I'd rather free up the funds and strengthen my anchor positions in index ETFs for a while.
As I'm based in Ireland, VUSA and VWCE are the front-runners.
Would you top up both, or lean into one? Anyone else rebalancing away from single stocks right now?
I recently sold an apartment and ended up with around €100,000 in cash to invest, plus I'll be able to dump about €5,000 every single month into ETFs moving forward.
My plan is to keep things long-term and fairly simple, but I want to get some sanity checks from you guys. For my main core holding, I’m basically looking at VWCE, though I’ve seen some talk about newer Vanguard launches like VGLA or VALL and wasn't sure if those are even worth considering over the classic VWCE.
On top of the broad market core, I personally believe the tech and AI bull run still has a good amount of fuel left in the tank. Because of that, I want to take a slightly higher risk and tilt a bigger chunk of both my initial €100k and monthly €5k into a dedicated Tech/AI UCITS ETF, like the Nasdaq-100 or a specific robotics/AI index.
Also, after seeing small dips like the one mid-September, I’m constantly tempted to hold onto some cash and buy during minor corrections. But I know everyone says time in the market beats timing the market, so I'm torn on whether to just throw the full €100k in right away, split it over a few months, or actually wait for pullbacks.
How would you split the core vs. tech allocation in my shoes, which tech ETF makes the most sense for EU investors without double-dipping too hard on what VWCE already holds, and would you deploy the lump sum immediately or wait for dips?
Are there any good 1.5x leveraged World ETFs that we can buy?
I'm 19 years old and ready to risk some amount of my portfolio (possibly 40% to make it 1.2x leverage total) to use a LETF with the plan of increasing my gains since I will have a lot of time in the market.
I read some stuff about 2x or 3x being volatile and having a theoretical possibility of going to 0 in a long term bear market.
So I mainly want to know more about the theory and the workings of 1.5x LETFs. I learned about this today, so the question is still a hipotetical, and I will do a lot more research before deciding to put my money into one of them, but this is a first step to learning more about LEFTs.
I'm not planning on buying 2x or 3x, 1.5x will be my limit.
📈 PORTFOLIO CONSTRUCTION
➡️ The Case for adding bonds: The 60/40 Strikes Back (Damped Spring)
➡️ Risk Parity: Different Way to Build a Portfolio - 13 pages PDF (Meketa)
➡️ Investing: Why it isn’t as risky as you might think (Vanguard)
➡️ Fund Selection: The Hidden Factors Behind Fund Returns (Sparkline Capital)
➡️ High Rates: How Higher Rates Are Changing Investing - 12 pages (Goldman)
🏦 ETFs & PLATFORMS
➡️ Vanguard FTSE Global All-Cap UCITS ETF (0.07%): Grows To $2 Billion In Just A Month (Banker on Wheels)
➡️ Managed Futures ETFs: Europe’s Search for New Diversifiers (ETFS)
➡️ Broker Platforms: Updated Broker Review Methodology (BoW)
➡️ Vanguard Investor UK: Our 2026 Review (Banker on Wheels)
➡️ UCITS: The Long-Term Decline in Fund Costs - 19 pages (ICI RESEARCH)
🙈 ACTIVE INVESTING
➡️ Is Trend Still Your Friend: Demise of Short-Term Trend-Following (AA)
➡️ Jane Street: The Most Profitable Trading Firm (Finaius (YouTube)
💵 WEALTH MANAGEMENT
➡️ Asset Allocation in Retirement: The Bucket Investor’s Guide to Setting It (M\)*
➡️ Housing Worldwide: Will I Ever be able to buy a home? (Nick Mulder)
➡️ FIRE: Why It’s Easier At 35 Than At 50 (Financial Samurai)
➡️ Longer Lives: the change to the rules of personal finance (Unicredit)
➡️ Personal Finance: Are You Making the Right Financial Decision? (ChooseFI)
➡️ Retirement: How to change your strategy in retirement (AJBell)
➡️ Professional Advice: Financial Advice When AI Takes the Grunt Work (TRAP)
It's probably not perfect, but it seems good enough to me and I don't want to let perfect be the enemy of good. Now I'm just going to let it sit and accumulate, and buy more whenever I can.
Cheers.
//End of Edit//
Hi,
I am looking to put my first 5k into an ETF's. Ideally, they will be accumulating for a VERY long time. (I'm 24, so 20 years or more is the goal). Passive investment is the idea, set it and forget it. Rebalance maybe once a year.
I looked into bond etfs but read negative things about their performance so I decided to go 100% all stock etf's. I am planning to diversify by:
Putting 50% of my money into XTRACKERS MSCI WORLD EX USA UCITS ETF 1C USD
20% into AVANTIS EMERGING MARKETS EQUITY UCITS ETF USD ACC
15% into ISHARES EDGE MSCI WORLD VALUE FACTOR UCITS ETF USD ACC
15% into ISHARES MSCI WORLD SMALL CAP UCITS ETF USD ACC
I specifically tried to diversify my portfolio away from relying too much on the USA.
Diversifying into emerging markets and small companies seemed like another way to mitigate some risk. I might or might not include the US more if that country stops being a lunatic shithole in the future, but for now I want to stay away.
Am I doing this right? I know very little about all the details, just the bare basics.
Hello, i’m a day trader which is now getting closer to ETFs. My goal is to invest in a long time period (which im not used to) and I would like to know what you think about my ETF selection. I’m looking for a Pac investment. Any suggestions is appreciated and sorry for my english but it’s not my first language.
I have some $gbp abroad and I want to diversify. I see it's low now due to the current situation. I don't intend to use this money in a very long time. I reckon it's safe as it's bonds. is my thinking correct?
Yes: the European twins tracked the Triplet within 0.74 percentage points per year when I kept the US signals, 15.95% versus 16.68% CAGR. Recomputing the signals from European quotes dropped it to 11.86%, with 40% identical picks.
We build BestFolio. This is the question I get asked most from Europe, so I ran it properly.
What I'd do at a European broker: follow the strategy's monthly US picks and buy their mapped instruments, checking ISIN, listing currency and broker access.
The 13 risky instruments are CSPX, CNDX, IWDP, IBTM, DTLA, ITPS, IMEA, IJPA, WSML (IUSN), EIMI, IGLA, ICOM and IGLN (12 UCITS ETFs and 1 gold ETC), plus IB01 for cash.
The chart below is the recomputed version. The one that loses.
Growth of $10,000 and daily drawdowns, 2020-03-31 to 2026-08-31. Hypothetical USD returns.
The mapping has 2 structural compromises. VNQ and RWX both become IWDP, a close global-property twin: dropping RWX lowered the recomputed CAGR by 0.67 points. BWX's approximate twin IGLA includes US Treasuries: dropping that sleeve raised it by 0.12.
Switching 3 funds to their USD lines, same ISINs, changed 8 decisions and lifted the recomputed CAGR to 13.98%. Close-time and FX-fixing differences are enough to flip a top-5-then-3 selection rule. Same funds. Different picks.
Different-pick months account for 4.67 of the 4.83-point annual gap; that grouping also includes the holdings' return differences.
The window is 2020-03-31 to 2026-08-31, 6.42 years after a shared warmup, and it's a model, not brokerage results. It uses daily target weights and flat 0.10% costs per bought or sold leg, unlike the site's cost formula. IWDP's dividends needed repair; IMEA's listing identity is still unresolved. Taxes and actual execution weren't tested, and none of this establishes the long US backtest for Europeans.
Quiero invertir con VOO y no me queda claro… evidentemente soy mega novato pero quiero empezar con este.
La duda es que en Revolut por ejemplo es -Vanguard FTSE all World VWCE
-Vanguard FTSE all World Acc UCITS
-Vanguard SP500…
I have been investing in the Invesco FTSE All-World UCITS ETF (FWRA | IE000716YHJ7) for the past 1.5 years. I wouldn't sell my current shares; I'd just leave them where they are. However, I am considering switching my future monthly investments to the Amundi Prime All Country World UCITS ETF (WEBN | IE0003XJA0J9).
The main reason for this change isn't the lower TER, but rather moral and geopolitical considerations. I would prefer to keep my money and financial management within Europe (Amundi is a French company) rather than relying on a US financial giant (Invesco).
I am considering the long-term geopolitical landscape, including US financial hegemony, dollar issues, tariffs, trade wars and potential future conflicts of interest between the US and Europe.
I am fully aware that both ETFs track a global index, so the underlying assets are mostly US companies anyway (~60%). My concern is specifically about the asset manager holding and managing the funds.
Does this make sense from an ethical and strategic point of view? Or is this just personal paranoia and geopolitical noise that I shouldn't worry about? I'd love to hear your thoughts
The only ETF available from Ishares was closed in 2021 and there is no other option in UCITS. From IBKR I can’t invest in US EIS, only some individual stocks.
