# One for all or All for one? **URL:** \ **Category:** šŸ’¬ Trading 212 chat\ **Created:** [December 27, 2020, 4:57pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479 "2020-12-27T16:57:19Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Trader121](https://avatars.discourse-cdn.com/v4/letter/t/278dde/32.png) [@Trader121](https://community.trading212.com/u/Trader121)\ **Post date:** [December 27, 2020, 4:57pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/1 "2020-12-27T16:57:19Z")
Hi guys, I had a debate with some friends the other day and I would like to hear your take on this. The question was: If you want to diversify your portfolio by holding some ETFs like these ones here (you can adapt it if you live in the UK or whatever): S&P500 Global Clean Energy Emerging Markets EQQQ European Property World Small Cap Bitcoin ETP Core MSCI JAPAN Rather than holding all of themā€¦ why not just holding Vanguard all World? What would be the pros and cons of just holding the all world one? ---
**Author:** ![RicardoBorsato](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/ricardoborsato/32/20487_2.png) [@RicardoBorsato](https://community.trading212.com/u/RicardoBorsato)\ **Post date:** [December 27, 2020, 5:00pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/2 "2020-12-27T17:00:44Z")
> [@Trader121](#): > > What would the the pros and cons of just holding I had a read on [Single Stocks in Your Portfolio: Pros and Con (investopedia.com)](https://www.investopedia.com/articles/investing/072915/single-stocks-your-portfolio-pros-and-cons.asp). Personally, Iā€™d choose more to hold and have a great diversification instead of just betting in a single stock to hold šŸ™‚ ---
**Author:** ![Dougal1984](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/dougal1984/32/14304_2.png) [@Dougal1984](https://community.trading212.com/u/Dougal1984)\ **Post date:** [December 28, 2020, 3:58pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/3 "2020-12-28T15:58:12Z")
Theyā€™re ETFs not single stocks. I guess there are pros and cons. Perhaps the separate ETFs work out cheaper, or they would at least allow you to pick your own country/market/sector to a point than an ā€˜all in oneā€™ ---
**Author:** ![Lenos1980](https://avatars.discourse-cdn.com/v4/letter/l/58956e/32.png) [@Lenos1980](https://community.trading212.com/u/Lenos1980)\ **Post date:** [December 28, 2020, 6:25pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/4 "2020-12-28T18:25:38Z")
Out of those the only ones Iā€™d be interested in are the global clean energy and the bitcoin etp. The rest are either slow movers or in danger zones. Japan from what I gather has a declining economy, world small cap is worse than gambling, European property apart from Germany the rest is in trouble (Germany also if you consider how far ahead of the rest of Europe theyā€™ve become in effectively the same market with the same currency), emerging more of the same, s&p500 is inflated currently and fat with tech, EQQ is a decent candidate but will drop more than the s&p500 in a recession or market decline. A good choice of companies inside an index are far better than tracking the actual indexes. Itā€™s always the case that a few good companies help growth and the rest hold it back, you just need to find the few good companies. ---
**Author:** ![Trader121](https://avatars.discourse-cdn.com/v4/letter/t/278dde/32.png) [@Trader121](https://community.trading212.com/u/Trader121)\ **Post date:** [December 28, 2020, 10:00pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/5 "2020-12-28T22:00:56Z")
Thatā€™s pretty interesting point of view. Lots of people recommend ETFs for a safe a steady profit in the long term. Nobody got the magic formula tho. Thanks for sharing. ---
**Author:** ![Jobloggs](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/jobloggs/32/5398_2.png) [@Jobloggs](https://community.trading212.com/u/Jobloggs)\ **Post date:** [December 28, 2020, 10:18pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/6 "2020-12-28T22:18:40Z")
Iā€™m not that familiar with some of them so I wonā€™t really comment on what I donā€™t know as Iā€™m not aware of the specific holdings. The clean energy is an absolute banger and a holding of mine. The S&P500 if youā€™re looking at long term perspective is a safe bet. Even Buffet says so, and he knows a thing or too. The average PE is around 27 or something which is pretty high historically, but if you look at some of the ratios out there then itā€™s almost conservative. The Bitcoin ETP just myths me a lot like Bitcoin but thereā€™s clearly legs in it, I just wonder when we return to a bit more stability if itā€™ll drop or not. But I said that at 10k dollars so donā€™t listen to me on that one. What I do know is that institutions are taking a keen interest so thatā€™s worth something. ---
**Author:** ![trader787](https://avatars.discourse-cdn.com/v4/letter/t/e68b1a/32.png) [@trader787](https://community.trading212.com/u/trader787)\ **Post date:** [December 28, 2020, 10:19pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/7 "2020-12-28T22:19:21Z")
I have to stand up for EQQQ here, itā€™s far from dead or in a danger zone. one of the best IMO. - One of only 5 U.S. listed ETFs with assets in excess of $100 billion - The 2nd most actively traded U.S. listed ETF - Rated in the top 1% (2 of 325) best-performing large-cap growth funds over the past 15 years by Lipper as of September 30, 2020 ---
**Author:** ![Jobloggs](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/jobloggs/32/5398_2.png) [@Jobloggs](https://community.trading212.com/u/Jobloggs)\ **Post date:** [December 28, 2020, 10:21pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/8 "2020-12-28T22:21:46Z")
On EQQQ do current valuations concern you, I guess that may be short term thinking because if your plan is to hold for 10 years or so then itā€™ll generally come out in the wash. ---
**Author:** ![trader787](https://avatars.discourse-cdn.com/v4/letter/t/e68b1a/32.png) [@trader787](https://community.trading212.com/u/trader787)\ **Post date:** [December 28, 2020, 10:32pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/9 "2020-12-28T22:32:24Z")
No not at all, you will see people questioning the valuations 8,7,6,5 years ago and it still continues upwards, A misconception is that it is all tech but there is some non tech in there too. (Pepsi, Starbucks for instance), also I like the stocks being added recently, for instance Peloton and Match were just added. ---
**Author:** ![Lenos1980](https://avatars.discourse-cdn.com/v4/letter/l/58956e/32.png) [@Lenos1980](https://community.trading212.com/u/Lenos1980)\ **Post date:** [December 28, 2020, 10:39pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/10 "2020-12-28T22:39:41Z")
> [@Lenos1980](#): > > EQQ is a decent candidate but will drop more than the s&p500 in a recession or market decline @trader787 Did I not say it was a decent candidate šŸ¤” ---
**Author:** ![trader787](https://avatars.discourse-cdn.com/v4/letter/t/e68b1a/32.png) [@trader787](https://community.trading212.com/u/trader787)\ **Post date:** [December 28, 2020, 10:41pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/11 "2020-12-28T22:41:33Z")
> [@Lenos1980](#): > > The rest are either slow movers or in danger zones. oh yes, just read the first bit where you you also said ā€œThe rest are either slow movers or in danger zones.ā€ yes it might decline faster, but whenever tech drops it seems to bounce back harder. (March perfect example) ---
**Author:** ![Trader121](https://avatars.discourse-cdn.com/v4/letter/t/278dde/32.png) [@Trader121](https://community.trading212.com/u/Trader121)\ **Post date:** [December 28, 2020, 10:41pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/12 "2020-12-28T22:41:58Z")
I think the most of them are pretty good to b&h for the long term. Are you going to have 40% profits per year? Probably you are better buying single stocksā€¦ But that means time researching themā€¦ ETFs are safer IMO ---
**Author:** ![Jobloggs](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/jobloggs/32/5398_2.png) [@Jobloggs](https://community.trading212.com/u/Jobloggs)\ **Post date:** [December 28, 2020, 10:42pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/13 "2020-12-28T22:42:00Z")
Thatā€™s where Iā€™m at as well. Although I do like a bit of diversification with some reasonable valuations, generally from the UK. I can imagine a number of value investors do wish they got involved opposed to waiting for this ā€œmean reversalā€ for nearly a decade. That being said, we all need to be comfortable with what weā€™re doing within ourselves most importantly. However in simple terms, the sentiment is here at the moment and despite using intrinsic valuations techniques and so forth, something is worth what people are actually willing to pay for it. At least for now anyways. ---
**Author:** ![Jobloggs](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/jobloggs/32/5398_2.png) [@Jobloggs](https://community.trading212.com/u/Jobloggs)\ **Post date:** [December 28, 2020, 10:44pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/14 "2020-12-28T22:44:04Z")
My reply button doesnā€™t work so my last message was replying to you šŸ¤¦ā€ā™‚ļø ---
**Author:** ![Lenos1980](https://avatars.discourse-cdn.com/v4/letter/l/58956e/32.png) [@Lenos1980](https://community.trading212.com/u/Lenos1980)\ **Post date:** [December 28, 2020, 10:46pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/15 "2020-12-28T22:46:15Z")
Iā€™ve got over 25 stocks that Iā€™ve researched and Iā€™m semi happy with now Iā€™ve turned my attention to etfs. Iā€™m not sure emerging is something I would risk and the s&p500 is clearly too inflated currently I would pencil this as a buy in the next crash. Clean energy, eV and battery tech is a winner and the EQQ as long as you get out early in the crash, if not it will suffer. Buying stocks for 3 year cycles is not as hard as it looks, buying them for 10 years is a lot to ask of a company ---
**Author:** ![trader787](https://avatars.discourse-cdn.com/v4/letter/t/e68b1a/32.png) [@trader787](https://community.trading212.com/u/trader787)\ **Post date:** [December 28, 2020, 10:47pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/16 "2020-12-28T22:47:59Z")
I know what you mean, people looking at amazon, apple. etcā€¦ 5 years ago thinking ā€˜these canā€™t go any higherā€™ , every year seems like they will dropā€¦then the next year up againā€¦ etc. longer you stay out of them the more risky it seems to get in. it does seem like UK at the moment are at the ā€˜bottomā€™ with value and USA is at the ā€˜topā€™ and expensive. ---
**Author:** ![Dougal1984](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/dougal1984/32/14304_2.png) [@Dougal1984](https://community.trading212.com/u/Dougal1984)\ **Post date:** [December 28, 2020, 10:50pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/17 "2020-12-28T22:50:08Z")
There are some UK companies that have done really well the last 5 years or so, just need to ignore the big guns(mostly) in the FTSE100. ---
**Author:** ![trader787](https://avatars.discourse-cdn.com/v4/letter/t/e68b1a/32.png) [@trader787](https://community.trading212.com/u/trader787)\ **Post date:** [December 28, 2020, 10:50pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/18 "2020-12-28T22:50:49Z")
as I just mentioned, people have been talking about USA tech crash for years and missed a lot of growth, picking a top is difficult and it could be 5+ more years easy of upwards trend. ---
**Author:** ![trader787](https://avatars.discourse-cdn.com/v4/letter/t/e68b1a/32.png) [@trader787](https://community.trading212.com/u/trader787)\ **Post date:** [December 28, 2020, 10:58pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/19 "2020-12-28T22:58:49Z")
true, I made 1000% in around 5 years on both Creightons and Evraz. picked a couple real duds too (Foxtons, RR, Easyjet) ---
**Author:** ![EquityInvestor](https://avatars.discourse-cdn.com/v4/letter/e/8491ac/32.png) [@EquityInvestor](https://community.trading212.com/u/EquityInvestor)\ **Post date:** [December 28, 2020, 11:05pm UTC](https://community.trading212.com/t/one-for-all-or-all-for-one/33479/20 "2020-12-28T23:05:13Z")
> [@Trader121](#): > > Rather than holding all of themā€¦ why not just holding Vanguard all World? What would be the pros and cons of just holding the all world one? Holding a World ETF has the following benefits: -Simple, not much thought required. No rebalancing or re-evaluating portfolio required. -Relatively cheap. For example BTC is quite expensive and it is not even a company, some might not even consider it an asset in itself. It is very risky and pure speculation. (Having said that, I hold a minor position) -Very diversified, if one sector or country uunderperforms other will pull the average up (the USA is by far the one with the most impact though) Inconvenients: -Does not include small cap -Only includes stocks Note: I would consider choosing a World ETF that includes the Emerging Markets. Not all world indices do. I seem to remember that MSCI World is only developed markets whilst FTSE World includes all markets. If you do decide to go for a World ETF confirm this! Overall, if you are new you might want to consider something like this: -Vast majority of portfolio into a World ETF that includes Emerging Markets (say 53% of portfolio) -Smaller percentage of portfolio to a large small cap ETF, I am not familiar with the World Small Cap ETFs but potentially that (say 10%) -If you like European property or REITs as diversification then a small amount to this, say 10%. -Maybe consider having 5% in developed government longterm bonds such as the USA, they tend to not be correlated to stocks so if there is a crash they might appreciate and provide liquidity to invest more in stocks. -A few percentage points in commodities, lets say maybe 1% in Bitcoin and 1% Gold. Obviously the Bitcoin is speculative and the gold might also be a bit volatile also. -That leaves around 20% to pick specific stocks or ETFs that you might like such as the Global Clean Energy or the Nasdaq-100 that you mention. Obviously, this is not financial advice, just some points that you might want to think about. I have just made up the percentages to give you an idea for you to think. [Next page](https://community.trading212.com/t/one-for-all-or-all-for-one/33479.md?page=2)