Hello i need some help to make my 30 years like pie just put money once in month for like 30 years.
Vanguard S&P 500 UCITS ETF (USD) Accumulating 65%
iShares MSCI USA UCITS ETF (Acc) 25%
iShares Dow Jones US Select Dividend UCITS ETF (DE) 10%
put like 150 euro/month
is any orverlap? Is the choice good, maybe something to change?
@Valentassab you might want to take a look at a post I share a few days ago which could provide some help.
Let me know if you need further help.
Huge overlap and only US stocks.
For a 30 year strategy you only need a single fund.
- Vanguard FTSE All-World
- OR Invesco FTSE All-World
- OR SPDR MSCI ACWI IMI
Always buy the one in your account currency.
Why not HMWO instead of your SPDR thing, it has a lower OCF?
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I have noticed a couple of those ETFs are distributing. Is there a particular reason why you would opt for a distributing product if looking to lock in the most effective long-term growth strategy? (I am genuinely asking).
I agree with @HuskyDogg that you could even go for a one-ETF portfolio. If you are not one of those who gets scared when the markets are down and keep regularly funding your portfolio, then you could be very happy in 30 years.
Jack Bogle recommends a 3-fund (I prefer ETFs, but the logic is identical) portfolio; basically, a total US, a total stock market, and a total bond.
On the other hand, JL Collins suggests a total stock market for stage one, and then when you get closer to retirement, you can add a total bond product.
In summary, they both recommend keeping it as simple as possible and staying consistent with funding your portfolio throughout the years.
This strategy can be replicated pretty much from any country, but it would be useful to know where you are investing so we could focus on locally available products.
For example, here in the UK, we do not have the ETFs recommended by both of those investors; however, we can find ETFs that can give us something that is as close as possible and still very good (in my opinion).
You also need to consider whether you want to keep the core of your portfolio US-biased or focus on other countries or areas (e.g., Europe).
Once you provide us with some further details about your preferences, risk appetite, and location, we will be able to better assist you.
In the meantime, @Valentassab, the three ETFs listed below, will provide a slightly more structured approach, giving you international exposure with a US core.
Vanguard S&P 500 UCITS ETF (Accumulating)
Invesco S&P SmallCap 600 UCITS (Accumulating)
Xtrackers MSCI World ex USA UCITS (Accumulating)
my original plan what i like to do is like this
65% vuaa core
25% schd growth
15% schg cash flow
but idk what i can find in europe i have like 150 euro/month so i must use broker wich let buy share of etf.
i can take a risk just wanna something like 3 etf strategy core is s&p 500 next growth and dividends what i can use in trading 212 pie for auto invest
So, you want to use distributing ETFs so you can re-invest in individual equities? What trade exchange are you planning to use?
idk or distributing is better way to go? tax eat not small amount of income?
maybe you can tell Accumulating version of this strategy? on trading 212?
@Valentassab, it is only you who can tell you what strategy is best for you. Taxation and product availability (i.e., ISA stocks & shares saving account, types of ETFs, etc.) differ from country to country. Therefore, it is difficult to advise more than providing suggestions like the ones offered above by other fellow investors and myself.
Another forum you might want to take a look at is the following one:
what do you think aboyt this one?
I think there are some considerable overlaps with some of those ETFs. If you want to focus on technology, you might be able to do it with less ETFs. However, that is entirely up to you. Everybody’s strategy can be unique.
what do you remove to make less overlaps? eqqq? maybe you have retirement portfolio wich i can look?
I’m sorry, but I don’t have pre-made retirement portfolios. Your retirement strategy must be planned very carefully. Personally, I would not even trust someone giving me a pre-made retirement portfolio. As said before, you can find a lot of info on this platform that you can use to tailor your plan. However, I always recommend doing your own research and using a financial advisor as and when required.
curvo.eu is another good platfom you might want to use to get more info about creating retirement ETF portfolios.
You can also look at Morningstar, AjBell and Just ETF, to name some.
I hope this helps.
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Because it’s developed markets only. If that’s what the OP wants, it’s a solid choice.
Your allocations looks good to me. It is very similar what I’ve done for my brother and niece (both are not affluent in stock market)
There will be significant overlaps like some people has pointed out, but this is not something easily avoidable (nor something that you should be overly concerned about) For example apple is likely one of the biggest chunks in both tech, worlds and US ETFs albeit with different ratios.
Geographical diversification is also a textbook idea that is romanticised more than it is supposed to be. In my personal opinion it is perfectly fine to be overweight in some geographies, while it is not “OK” to be overweight in others.
The notion that: Some small or big crisis happening in US market not effecting other markets across the world so your losses in US is balanced out by rest of the world is pure fantasy and has not happened in the past crisis since 1900. (It actually happened once 
but lets see if someone finds it. Fun thing is this disparity was so short lived, you’d have been better of being still overweight on US during the crisis) Disclaimer: I’m sure someone will point out not happening in the past does not mean it won’t happen in the future.
While a British company ARM is listed in NYSE, pushing UK only for the sake of geographical diversification coverage, so you own… what? legal and general? shell? BA Tobacco? is pointless again in my humble opinion.
On the other hand of the argument India is projected to be growing twice as fast as US and 2.5 and 3 times faster than world average for the next 2 decades. This time I would not advise anyone (especially my brother) to be over buying India stocks and be more diverse.
so here is what he’s buying (again IMO distributing or cumulative is rather irrelevant and may have minor impacts on taxation depending on where you live and how ETF managers handle these taxes.)
40% ^SPX tracker
20% ^IXIC tracker
20% World tracker
10% Semiconductor focus (this is purely because I worked in the sector and have been a big believer a lot before AI boom)
10% US Reit sector tracker. This is also something we added in recent years. US Reit sector is actually dominated by tech companies (cell towers and data centers) and they’ve beaten up a lot due to high interest rates.
an example of this could be (depending on where you live and have access to)
40% VUSA or VUSD or VOO
20% EQQQ or QQQ
20% HMWO HMWD (I like HSBC world tracker, some don’t) you can buy VEU(which also excludes US) if you are outside EU legislation
10% SOXX if you can (outside EU) or SMH/SMGB inside EU
10% VNQ outside EU or may be XLR/XLRE inside EU (or you might want to skip this if you are inside EU)
Again this is something I consider safe for my own family members who are doing “fire and forget investment” My own portfolio is 75% stock picks and would not recommend anyone do it 
If you already do own the ETFs in your screenshot, do not sell them. They are perfectly OK. You can manoeuvre your future buys more inline with your new plan (if you have one)
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Great post.
Not so keen on VNQ and Real Estate ETFs in general. IMHO, it would be much more effective to slowly pile up on a few dividend aristocrat REITs. E.g. Realty Income with 26 consecutive years of dividend growth, or NNN REIT with 33 consecutive years.