So Iām only just starting this pie for a long term 25 year in my isa.
Adding around 3-500 a month (depends on how fun the weekends are ) currently its 5% up and about 3.5k in so not too bad for moving about if needed
But Iām worried that theres maybe too much in tech (especially apple) and that their growth may not continue.
But as itās long term invest and forget so maybe thatās ok for a few years? The momentum etf Iām hoping will track trends automatically so if tech falls out of favour it will move to what replaces it but something like eqqq is more fixed.
If youāre not sure about mainstream tech growth long term, you could target a specific sector in tech. For example, I doubt that growth in electric cars or healthcare innovation is gonna stop any time soon: the fight against climate change will gain traction and population is ageing fast almost everywhere. Just sayinā
This might only be me, but for something that you plan to hold for 25 years I would have gone 100% VUSA, the only reason being that you will lose a significant amount on fees with all these different ETFās. It might not seem much, but from your entire portfolio, VUSA is the only one that could classify as low fee with 0.03% whereas EQQQ and iShares charge you 0.30% and moreā¦
Itās a shame thereās not an inline tool where you can add your ETFs, and it would show you your geographical exposure, top 10 holdings across the lot and maybe even the fees per ETF / collective.
From a quick glance, it looks heavily weighted towards the US?
Thanks guys the momentum etf I went for partly as I wanted some world shares for diversification and that momentum has outperformed other factors consistently . My plan was to have that split between quality and momentum but t212 hasnāt added the quality factor ETF despite a few requests.
Value seems to have had its premium automated out and not performed in decades. I felt momentum would be nice to catch the upswings as companies and trends emerge without me actively focusing on it.
It am thinking now to combine the eqqq and vusa holdings into one s&p500 tracker.
Iām a UK investor the vusa is in gbp but distributing.
The vuag isnt on t212 but vuaa as csp1 are but they are in dollars. Since t212 now shows fx influence would it be better to actually hold it in usd. As I can see the fluctuations for if I want to sell. I can look and see āah itās up/down due to currency not the assetsā and decide accordingly. Where as vusa is more opaque to me there?
Your ETFs will perform equally regardless of the currency you choose. There arenāt any exchange fees on T212 so buying in usd wonāt change a thing. Good luck
There is no difference. If you buy in your currency, FX will essentially be integrated to the price you see. If you buy in USD it wonāt. The latter means that you might see a difference between stock relative performance (% in USD) and portfolio relative performance (% in your currency). However profit (absolute performance) will be the exact same at any given time. The only thing that might change - depending where you buy - are trading hours. Bottom line is thereās no way to cheat the system
I know it wo not affect return but as t212 shows the fx impact now a usd one would show me say +10% fx impact-5% overall +5 but the gbp one would just show +5% .
My thinking was if I wanted to release some money I could see itās a bad time due to the fx and maybe I should wait a little bit or sell a different asset.
I understand. Thing is letās say it happens. FX is against you so you decide to wait. Now FX is with you but your stock is falling. In that case, was it a good move to wait ? Maybe, maybe not. To do that right, it would required you to be actively monitoring stock and FX charts to find the perfect exit point. Unless youāre day trading itās not worth it. Just sell your stock when you think time has come to do so. Just my opinion though.
Well as theyāre all etfs, if the dollar pound fx rate is bad at that time I could just sell some of the UK based assets instead etc. Trump can change the fx rate with a tweet a lot faster than he can the value of the whole sp500
The question was a random side thought anyway not really the topic I was focusing on. T212 only seems to have dollar accumulating anyway
For me personally I like the S&P as it is pretty diversified. I am a mere novice and have only been trading since June so Iām not positioned for advice necessarily as there are people more qualified than me to do so.
In principle over time theyāll both do extremely well. I depends how confident you are in picking other stocks to reduce the fees also.
Iāll add the iShares Global Clean Energy to my portfolio at some stage but thatāll probably be it for me ETF wise.
I like this one, itās doing well for me right now.
That saidā¦ everything is doing well for me right now, other than some bond funds I have for reasons (mostly investment grade corporate bonds as gov bonds are trash right now).
) currently its 5% up and about 3.5k in so not too bad for moving about if needed
(mostly investment grade corporate bonds as gov bonds are trash right now).