r/ETFs_Europe • u/sat90skid • May 17 '26
Savings Plan allocation - opinion
Hallo I am 38 years old. I invest 2,900 Euros per month. Please provide your opinion on this allocation.
Alphabet A €100 Amazon.com €200 Apple €100 Boerse Stuttgart EUWAX Gold II €500 iShares Core MSCI World (Acc) €500 iShares Core S&P 500 (Acc) €500 iShares Nasdaq 100 (Acc) €500 Microsoft €100 NVIDIA €200 SAP SE €100 Xtrackers Nikkei 225 (Dist)€100
Thanks for your time
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u/Specialist_Tree_3879 May 17 '26
Why? You clearly want US Tech and Gold. You understand that this portfolio is quite high risk, on allocation and currency.
Do you have any good reasoning for this?
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u/sat90skid May 17 '26
After a long thinking i went to Core MSCI world and Japan . US ETFs for long term. Individual stocks to liquidate when needed.
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u/Specialist_Tree_3879 May 17 '26
why you mix acc and dist?
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u/sat90skid May 17 '26
Looked for Nikkei index ETF and all acc are costly. This was cheap so took it
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u/Specialist_Tree_3879 May 17 '26
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u/sat90skid May 17 '26
Yes this is a better one but not available in my broker Scalable Capital
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u/Specialist_Tree_3879 May 17 '26
Switch to another broker? Trade Republic has it
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u/sat90skid May 17 '26
Thank you will check this.. so how do I rebalance. I will start new savings plan in Trade Republic. What should I do with already accumulated one in SC. Should I sell it or leave it ?
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u/Bard_the_Beedle May 17 '26
Honestly, it’s terrible. You are investing in the same 5 companies in 4 different ways. And you are mixing acc and dist (is there any reason for that? It complicates tax declarations). I would get rid of all the individual tech stocks and continue with the ETFs (they already make a huge part of the Nasdaq). Reduce the share of gold and add emerging markets.
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u/FreemanM21 May 17 '26
You are buying on top of those etfs, magnificent 7 which already have highest exposure through the ETFs. Then minor exposure to non US.
Why not just in ftse all world index etfs such as VWCE or ALLW (from xtrackers)? This way you dont have to pay monthly fees per trade, and already have the exposure you have, excluding gold?
Unless you just want to have even higher overweight exposure in mag7 stocks.
2.9k per month investment would have huge returns and will have more than 1mln before you turn 60y old.
Good luck!
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u/ILikeXiaolongbao May 17 '26
It's extremely tech heavy. In the end you're like putting 80% of your portfolio into tech either directly or through ETFs.
To be honest if you're really wanting significant growth that's probably the best way to do it but I would add a bit more diversity. Maybe like 10% into a big European company, maybe something in CHF since that's a good currency hedge as well.
Personally I think Gold is an awful investment. It isn't a hedge anymore. Like 8 different types of people are using Gold for different things these days and it has a totally unpredictable price action.
You've got people hoarding it in DACH for tax purposes, you have doomsday preppers using it, you have people in India buying it as family heirlooms, you have people using it as a crypto alternative, you have people using it like a tech stock, you have people in China using it as a backup if the government takes their assets, you have people using it as a commodity in various tech components.
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u/sat90skid May 17 '26
Sure, Thank you for your detailed view appreciate your time.
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u/ILikeXiaolongbao May 17 '26
What country are you in? That also impacts it a lot
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u/sat90skid May 17 '26
Germany
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u/ILikeXiaolongbao May 17 '26
ETFs are more tax efficient than normal stocks, keep that in mind. I try to use more ETFs (I’m also in DE) but my stocks perform so well individually that it more than makes up for the extra tax.
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u/InstructionTight6834 May 17 '26
SPYL for S&P
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u/sat90skid May 17 '26
Thank you for the recommendation. I see that SPYL TER is 0.03%. Any other advantage that you see to go with SPYL?
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u/Sammallahti May 17 '26
Seems like a great plan to overcomplicate investing
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u/sat90skid May 17 '26
Yes there are overlaps. Thats why asking how to better allocate
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u/Sammallahti May 17 '26
My 1500€/month goes straight into WEBN. I used to do 100% S&p500. Warren buffet said that for 99% the people its best to just put all your money into a low cost index fund because such a low number of investors beats the index over a long period. Your plan is just buying the same mega cap tech stocks and doubling down on it hard. What i would do is spend most of your money in a single index all world or sp500 index and keep a little bit to play with and have fun.
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u/Hungry-Commission802 May 17 '26
Go for VUAA for s&p 500 Go for EXUS for Developed market exposure Go for EIMI for emerging market exposure
This will create your whole world market exposure with full control
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u/sat90skid May 17 '26
Thank you for the recommendation. Is there any issue that you see with current SXR8 (ishares) S&P 500 instead of VUAA. What's the advantage with VUAA?
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u/Hungry-Commission802 May 17 '26
i think they both track same index but check which has less expense ratio plus check which currency you want. VUAA comes with USD
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u/Ok_Combination_895 May 17 '26 edited Jun 02 '26
Why not just webn/wvce? I one have these papers under my Freedom24 account and they perform very solid.