Tell an inexperienced investor ETF or Dividend? [Ukraine]

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Topic Author
platfsholding
Posts: 7
Joined: Wed May 12, 2021 9:35 am

Tell an inexperienced investor ETF or Dividend? [Ukraine]

Post by platfsholding »

Hi
Tell the inexperienced:
There is already capital
Risky destinations are not interesting
What is the best way to make your portfolio?

XLP Consumer Staples Select Sector SPDR 10.00%
XLU Utilities Select Sector SPDR ETF 10.00%
XLV Health Care Select Sector SPDR ETF 10.00%
TLT iShares 20+ Year Treasury Bond ETF 30.00%
IAU iShares Gold Trust 15.00%
Cash 25.00%

Or buy dividend stocks and get 2-3-4% income?
But all dividend stocks are at all-time highs .....
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retired@50
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Location: Living in the U.S.A.

Re: Tell an inexperienced investor ETF or Dividend?

Post by retired@50 »

Welcome to the forum. :happy

Have you considered the total return approach to investing?

In other words, some dividends, some growth, lots of simplicity.

Relevant links:
https://www.bogleheads.org/wiki/Getting_started

https://www.bogleheads.org/wiki/Boglehe ... philosophy

https://www.bogleheads.org/wiki/Three-fund_portfolio

Regards,
This is one person's opinion. Nothing more.
Topic Author
platfsholding
Posts: 7
Joined: Wed May 12, 2021 9:35 am

Re: Tell an inexperienced investor ETF or Dividend?

Post by platfsholding »

need minimal risks, markets are overheated
delamer
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Re: Tell an inexperienced investor ETF or Dividend?

Post by delamer »

Are you in the accumulation phase or drawdown phase of investing?

Present your situation in this format to get the best advice: viewtopic.php?f=1&t=6212

As a rule of thumb, having your equities in only 3 industries is not the path to minimal risk. Those industries make up only about 25% of the S&P 500: https://advisor.visualcapitalist.com/sp ... ndustries/
Last edited by delamer on Wed May 12, 2021 10:32 am, edited 1 time in total.
One thing that humbles me deeply is to see that human genius has its limits while human stupidity does not. | | Alexandre Dumas, fils
dbr
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Re: Tell an inexperienced investor ETF or Dividend?

Post by dbr »

I would strongly suggest this approach and then do something different when you have a well understood reason to do otherwise:

https://www.bogleheads.org/wiki/Three-fund_portfolio

I would also go here and start a learning process:

https://www.bogleheads.org/wiki/Getting_started
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retired@50
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Location: Living in the U.S.A.

Re: Tell an inexperienced investor ETF or Dividend?

Post by retired@50 »

platfsholding wrote: Wed May 12, 2021 10:25 am need minimal risks, markets are overheated
So add more bonds. Short and Intermediate term bonds would be less risky than long term bonds.

Regards,
This is one person's opinion. Nothing more.
Topic Author
platfsholding
Posts: 7
Joined: Wed May 12, 2021 9:35 am

Re: Tell an inexperienced investor ETF or Dividend?

Post by platfsholding »

At the moment, I want to keep my capital from inflation.
I want to deposit money for an indefinite period.
I am not planning to fund my account.
Country: Ukraine
Age 32
Single
Topic Author
platfsholding
Posts: 7
Joined: Wed May 12, 2021 9:35 am

Re: Tell an inexperienced investor ETF or Dividend?

Post by platfsholding »

according to history, such a portfolio in 2008 and 2020 was at a loss by 15%, and SPY by 50%

XLP Consumer Staples Select Sector SPDR 10.00%
XLU Utilities Select Sector SPDR ETF 10.00%
XLV Health Care Select Sector SPDR ETF 10.00%
TLT iShares 20+ Year Treasury Bond ETF 30.00%
IAU iShares Gold Trust 15.00%
Cash 25.00%
delamer
Posts: 11594
Joined: Tue Feb 08, 2011 6:13 pm

Re: Tell an inexperienced investor ETF or Dividend?

Post by delamer »

platfsholding wrote: Wed May 12, 2021 10:35 am At the moment, I want to keep my capital from inflation.
I want to deposit money for an indefinite period.
I am not planning to fund my account.
Country: Ukraine
Age 32
Single
If you want to keep your money invested for an indefinite period then you should be focused on its long-term performance, not on what happens in the short-term.
One thing that humbles me deeply is to see that human genius has its limits while human stupidity does not. | | Alexandre Dumas, fils
Topic Author
platfsholding
Posts: 7
Joined: Wed May 12, 2021 9:35 am

Re: Tell an inexperienced investor ETF or Dividend?

Post by platfsholding »

then which is better to buy?
what is the composition of the portfolio?
delamer
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Re: Tell an inexperienced investor ETF or Dividend?

Post by delamer »

platfsholding wrote: Wed May 12, 2021 1:03 pm then which is better to buy?
what is the composition of the portfolio?
Read the links to the wiki that have been provided above, and then come back with specific questions.

But remember that no one can tell which portfolio will perform the best in the future. You can only know that after-the-fact.
One thing that humbles me deeply is to see that human genius has its limits while human stupidity does not. | | Alexandre Dumas, fils
go2run
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Re: Tell an inexperienced investor ETF or Dividend?

Post by go2run »

platfsholding wrote: Wed May 12, 2021 1:03 pm then which is better to buy?
what is the composition of the portfolio?
It seems as if you have your mind already made up on the composition of the portfolio. A couple of users have suggested a good option of the three-fund approach. Open the links and read the valuable information. The core fund options to build such a portfolio are listed. Only you can determine what the appropriate risk tolerance is for you. Once you have that figured out, constructing a portfolio with the three fund approach is simple. I would start by reading some of the relevant links provided. Good luck.
Topic Author
platfsholding
Posts: 7
Joined: Wed May 12, 2021 9:35 am

Re: Tell an inexperienced investor ETF or Dividend?

Post by platfsholding »

tell me when buying these ETFs
XLP Consumer Staples Select Sector SPDR
XLU Utilities Select Sector SPDR ETF
XLV Health Care Select Sector SPDR ETF
TLT iShares 20+ ETF


commission only from the broker for the purchase + commission once a year from the ETF
Is there a fee for entering and exiting the ETF?
wetgear
Posts: 263
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Re: Tell an inexperienced investor ETF or Dividend?

Post by wetgear »

platfsholding wrote: Wed May 12, 2021 3:04 pm tell me when buying these ETFs
XLP Consumer Staples Select Sector SPDR
XLU Utilities Select Sector SPDR ETF
XLV Health Care Select Sector SPDR ETF
TLT iShares 20+ ETF


commission only from the broker for the purchase Depends on broker and ETF+ commission once a year from the ETF No yearly commissions from the ETF but you do pay the Expense Ratio and maybe a fee to the broker depending on the broker
Is there a fee for entering and exiting the ETF? Depends on the broker and the ETF
See above in red for answers and if you have more questions please post in this format viewtopic.php?f=1&t=6212
ruud
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Re: Tell an inexperienced investor ETF or Dividend?

Post by ruud »

platfsholding wrote: Wed May 12, 2021 10:35 am Country: Ukraine
Just curious, why do you think investing in just a few sectors of the US Stock market is the way to go?
.
Topic Author
platfsholding
Posts: 7
Joined: Wed May 12, 2021 9:35 am

Re: Tell an inexperienced investor ETF or Dividend?

Post by platfsholding »

other sectors are overbought.
SPY- need to wait for the correction and buy cheaper

other industries perform poorly during a crisis
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retired@50
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Re: Tell an inexperienced investor ETF or Dividend?

Post by retired@50 »

platfsholding wrote: Wed May 12, 2021 3:45 pm other sectors are overbought.
SPY- need to wait for the correction and buy cheaper

other industries perform poorly during a crisis
Your comments seem to reveal that you believe in active management, market timing, and you could be relying too much on back-testing of various assets or asset classes.

This isn't the way many people in this forum typically think. :shock:

I'll try some more links which you might find useful.
https://www.bogleheads.org/wiki/Passive_management

https://www.bogleheads.org/wiki/Market_timing

https://www.bogleheads.org/wiki/Behavioral_pitfalls

Just out of curiosity, have you read any of the earlier links?

Regards,
This is one person's opinion. Nothing more.
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LadyGeek
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Re: Tell an inexperienced investor ETF or Dividend?

Post by LadyGeek »

platfsholding wrote: Wed May 12, 2021 10:35 am At the moment, I want to keep my capital from inflation.
I want to deposit money for an indefinite period.
I am not planning to fund my account.
Country: Ukraine
Age 32
Single
Welcome! I moved your thread to the Non-US Investing forum and have added your home country to this thread's title. The Personal Investments forum is intended for US investors, which has different taxation and regulations.

Please post your portfolio information in this thread using the My portfolio: seeking advice format. The format contains information we need to provide you with the appropriate advice.

Also see: Getting started for non-US investors
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.
Astones
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Re: Tell an inexperienced investor ETF or Dividend?

Post by Astones »

platfsholding wrote: Wed May 12, 2021 10:37 am according to history, such a portfolio in 2008 and 2020 was at a loss by 15%, and SPY by 50%
Well, with 25% cash.........

You know, a portfolio in which you don't invest in any asset would go down by 0% in case of market crisis.
Laurizas
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Re: Tell an inexperienced investor ETF or Dividend?

Post by Laurizas »

platfsholding wrote: Wed May 12, 2021 10:37 am according to history, such a portfolio in 2008 and 2020 was at a loss by 15%, and SPY by 50%
If past history was all there was to the game, the richest people would be librarians.
Warren Buffett
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