Michael (@FireSale) on getquin

1Yr·

Hello. after reading along for a while, now my first post and immediately a question to the community.

I would like to start one or more etf savings plans. My idea would be the following:

100€ per week divided into $VUSA (-0.6%) 40€, $VEUR (-0.56%) 30€, $VAPX (-1.28%) 20€, $VJPN (-0.87%) 10€.

Does this make sense or is it better to save only one etf e.g.: $VDEV (-0.62%) . My thought is that the USA share is always too high for me with the whole world etfs and I can determine / control the distribution with the 4 etf variant. I am curious about your feedback and thank you in advance.

7 Comments

Nico@Lucki_Lucki

1Yr

If you read longer you should have noticed that your idea is not so good. With ETFs is always keep it simple. So nen only 1 to a maximum of 2 ETF.

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View all 2 further answers

Rmann@Epi

1Yr

I like your idea of weighting the regions individually. What principle do you use for weighting? Market capitalization, GDP, risk optimization? Maybe you can add other assets? Do you know these model portfolios? https://www.justetf.com/de/musterportfolios.html

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Uwe G@UweG

1Yr

In principle, I think the approach is good. However, you have a relatively high Asia-Pacific share, i.e. more Australia or Korea than Germany. This and the lack of emerging markets should be taken into account.

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Vanguardium LeviOsa 🥪@Stullen-Portfolio

1Yr

I think it's right that you are thinking about it, @Buffy123, and I think you are thinking about it in the right way. Furthermore, I suspect that you will also think further or maybe you have already thought: ETFs for small caps and/or emerging markets... But yes, what @Micky_Maus writes is also true... At the latest from the number "2" you leave the mainstream area here as far as the upper limit of ETFs is concerned...

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Ironman@Ironman2022

1Yr

It depends on the investment amount. Below 100k, more than two, maximum 3 ETFs make little sense because of rebalancing, complexity, etc. I have World + Emerging markets. I myself have World + Emerging markets and consider from 50k to add the smallcaps. The indices are rebalanced regularly anyway and so the strong US share can decline again. No investment advice

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