8Mon·

Hi there!

I wanted to ask if you have any ideas about which ETF I could also save in. As I am slowly approaching my late 40s, a payout is basically quite interesting for me, and it also gives me enough motivation when some money comes back.

I am currently saving actively:

$TDIV (-0.47%) and $XDWL (-0.68%)

But now I ask myself the question, does it make sense to add a third distributing, yet growing ETF? The US portion of XDWL was too large for me and TDIV somehow came in handy, but is something missing? (I've never had good feelings about EM so far)

The plan at the moment is to put 300 euros into the TDIV and 300 euros into the XDWL each month.

On top of that, I'm averaging around 130 euros a month in dividends, which I want to split between the two.

I also have a further 400 euros available, which I will either divide between the two, although I feel I would weight the TDIV higher (?) or prefer to invest in a third ETF, but which one?

As I said, a distribution (something like 1.5-2.5%) and growth are important to me.

What would you recommend?

Thank you!

5 Comments

Cash@Flow_Investor

8Mon

Looking at your portfolio, an additional ETF makes no sense.

••

hejjay@hejjay

8Mon

@Flow_Investor I see it differently. Apart from the Reits/BDCs, everything will be out in the medium term. Ultimately, only these plus distributing ETFs should remain. Medium-term weighting of rice/BDCs 30-40%, the rest ETFs.

••

Ella Marie Waschbär@DividendenWaschbaer

8Mon

I don't understand your thoughts, or your investments. The MSCI world has too much US content for you, then you have a distributor that has another 20% US content and the largest position is also US and then you have nothing but US stocks as individual stocks.

For you, an emerging market would generally make more sense or, for example, a Europe. $EXSI or something like that.

Personally, in your case I would rather look at emerging markets.

••

hejjay@hejjay

8Mon

@DividendenWaschbaer You're basically right. I was aware of that too, but I was looking more at the sectors here. It was important to me that they didn't really overlap. If MSFT or NVDA tear the thing down, at least it doesn't affect either of them.

With an EM, I always have the feeling that the risk is too great? Is that just my feeling or is the risk actually greater with an EM ETF (I would consciously leave Asia out)?

••

Ella Marie Waschbär@DividendenWaschbaer

8Mon

@hejjay Asia consists of more than just China, if that's what you're referring to. India, for example, is currently very strong (but already expensive). Vietnam and the Philippines are not without their problems either. And nobody can tell you if anything will happen with China in the end, I don't think the world can afford to exclude China like they do with Russia. But I may be wrong.

If that's too much risk for you, then take a look at Mexico or South America. There are ETFs there too.
Nobody can tell you whether emerging markets will rise significantly in the next few years. But it's an alternative that definitely doesn't have a US component.

••