Search found 7 matches

by Soulforged
Fri Jul 23, 2021 2:43 pm
Forum: Non-US Investing
Topic: Looking for feedback on my portfolio
Replies: 11
Views: 2273

Re: Looking for feedback on my portfolio

I don’t know why people is so much about US tilt. S&P has outperformed World since the Japan crash and a lot of people prefer S&P rather than World. If you really think US will continue performing like that for the next 50 years, just follow your guts. In the end we are talking about minimal differences so I really think it is better to invest on something that gives you more mind peace.

Asking for support is a great thing but you don’t have to necessarily just follow others opinions, just read everybody’s comments and then take the decision you feel is correct.

For me investing as soon as possible is the right decision rather than few percentages in your portfolio.

Just my 2 cents.
by Soulforged
Sat Jun 19, 2021 9:59 am
Forum: Non-US Investing
Topic: [Germany] Starting to invest in Germany
Replies: 16
Views: 5997

Re: [Germany] Starting to invest in Germany

The best German private pension scheme is to have an ETF based portfolio handled by you. Otherwise be prepared to have high expenses.
by Soulforged
Sat Jun 19, 2021 8:33 am
Forum: Non-US Investing
Topic: [Germany] Advice for my first Portfolio
Replies: 10
Views: 2671

Re: [Germany] Advice for my first Portfolio

I also have Scalable Capital but I would consider Vanguard due to the much lower TER, even if you need to pay 1€ per transaction. Remember that you have one free saving plan you could use with Vanguard without paying anything.
by Soulforged
Wed Jun 09, 2021 11:19 am
Forum: Non-US Investing
Topic: Advice for ETF allocation
Replies: 33
Views: 4502

Re: Advice for ETF allocation

If you want to get extra exposure to tech and health I would add Nasdaq.

Maybe decrease world by 10% and allocate Nasdaq to that. In my opinion tech companies still have a big roof.
by Soulforged
Sun Jun 06, 2021 8:28 am
Forum: Non-US Investing
Topic: US bias portfolio (Germany)
Replies: 21
Views: 2231

Re: US bias portfolio (Germany)

You are right that from the current 80-85% I have on US, being reduced to 60% for developed world is not a big difference, I guess I could live with that and also get exposure to other territory markets. I have to check again the difference between developed world + EM and all world. Of course in my original posts there are a lot of assumptions that may be wrong and totally subjective, mostly based on last decade. One reason for skipping value would be to keep as simple as possible the portfolio, since there are capital gain taxes in Germany I would avoid selling in order to rebalance, so my idea would be buy the underweighted ETF when rebalancing. The 20 years horizon it is indeed the expected retirement when I would stop contributing and ...
by Soulforged
Sun Jun 06, 2021 7:06 am
Forum: Non-US Investing
Topic: US bias portfolio (Germany)
Replies: 21
Views: 2231

Re: US bias portfolio (Germany)

Da5id wrote: Sun Jun 06, 2021 7:03 am
Soulforged wrote: Sun Jun 06, 2021 6:53 am Is there anybody out there also investing on S&P500 instead of developed/all world? I don’t really think EU will out perform US so I am happy just adding EM to diversify a little bit the portfolio.

Any comments besides “how do you know US will outperform world in 20 years?”, thanks!
Clearly you should do as you wish. But the end part seems to be saying "only comments that reinforce what I've already decided to do welcome"? You appear to have lots of opinions about the future, and considerable confidence in them. And a fair bit of focus on what won in the recent past. IMO of course.
No, no, sorry if it sounded like that. I meant with some reasoning beyond that common sentence. I am open to change my mind.
by Soulforged
Sun Jun 06, 2021 6:53 am
Forum: Non-US Investing
Topic: US bias portfolio (Germany)
Replies: 21
Views: 2231

US bias portfolio (Germany)

Hi, 34 years old living in Germany with 3 children and stable job. I started this year investing 100% in stocks, 20 years horizon. Contrary to what most of the people do investing in world I have decided to invest in S&P 500. I know in the future US might underperform, but it could also outperform as it has been down for so many years, so basically I am betting on US. Currently I also have around 15% on EM, in my opinion if any country will outperform US will be China. I also own around 30% on nasdaq but I might get rid of it, although I think tech companies will continue over performing, I have doubts it will be true in 20 years. Right now I am also thinking adding some value tilt, probably US and Europe but not sure, I would like to k...