- November 10, 2023
- Posted by: legaleseblogger
- Category: Related News
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**Considering Investment Options in the Czech Republic**
As a resident of the Czech Republic, I have already invested around 2000Ôé¼ in VWCE. However, I find myself contemplating if investing in something else could potentially yield greater returns. Unfortunately, my options are limited as I do not have access to Trade Republic and low-cost bond investments. I have considered other investment opportunities, but VUAA seems very similar to VWCE, leaving me uncertain if it would be a wise decision to diversify my portfolio.
Moreover, I am not seeking complex investment strategies or difficult execution methods. Simply put, I am in search of relatively straightforward investment opportunities that align with my financial goals.
In light of this, I have executed all fundamental personal finance tasks and am not in need of guidance in that area.
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****** just grabbed a
VWCE and chill
Typically, when people have these thoughts, it is because they have looked at the most recent performance of the S&P 500 and wished they had that performance instead of that of a more diversified portfolio. However, past performance is not a good predictor of future performance, and performance chasing leads to worse returns in the long term.
In essence, if you put your money in the assets with the best recent performance, you are buying assets that are, on average, higher in valuation and therefore more expensive; and valuations are the best predictor of future returns.
VWCE already has the entire SP500 in the index, and about 60% of it are American companies. So essentially, what you would accomplish by investing in both ETFs would be world exposure with a focus on the US market, combined with something with full exposure to the sp500. This to me doesnÔÇÖt make much sense.
You should review your strategy and objectives. If you want to go all in on the US(which, historically, is hardly a risky bet, and usually will net you more profit), then go full VUAA. If you want world exposure, keep investing in VWCE. If you want a somewhat compromise approach, go for IWDA/EUNL, which only invests in developed markets and excludes places with mostly disfunctional and corrupt markets like China, Brasil, Saudi Arabia, etc.
maybe it’s worth considering VUAA has lower exepense ratio than VWCE, although it’s less diversified
I believe you can buy bonds on IBKR. I dont mean bond etfs. But if you are young you probably dont need them.
Vuaa has lower expense ratios.
Plus too much diversification is not good.
In my opinion, Vuaa is diversified enough.
For the people saying look at what happened to Japan, Japan had mainly Japanese banks as top performers. USA has the strongest companies of the world which are also benefited by the growth of the emerging markets (where they sell their products).
I do Vuaa and chill.
IÔÇÖm going to go against the European herd here and tell you that you can very well do that, IF you believe in the USA as a big market leader in the next decades, which is certainly not wrong and I personally do believe that.
If you have that conviction, then you basically double your bet on the USA and that can very well be a good thing.
Too much diversification is often times an illusion, cause most markets tend to correlate anyway. If you diversify too much, you will be safer, but you will also have less upside as a result. ItÔÇÖs and average of all of your investments right?
A stock investor for example has like 30 stocks in his portfolio and then maybe some 4-5 other assets like gold or bonds. Thats diversification for a stock investor. And for some reason EU ETF investors believe they need to have 20.000 stocks in their portfolio to be diversified dont get me wrong, yes you will be safer and slowly and steadily ride up.
Just vwce. Vuaa it’s basically the same.
And why not Vusa? You can get even dividends there! ƒÿà
Na co trade rep?
Of course you can if you wish to have a global portfolio with overexposure to the USA.
How do we tell if the ETFs are accumulating or distributing ?
Like others mentioned there are different ways to investing.. it seems you are not sure about your way which is not a good thing.
You should be asking yourself, what do you want to achieve?
If concerned with a drop in valuation of your portfolio, that consists of 1 item (vwce), you should perhaps hold your money in a bank cd.
There are some bNks offering guaranteed 3% per year. Your money is safe, and will accrue some more money.
Investiing in index funds is generally considered as long term, 10+years, most investor will not argue that in that time span your index fund would grow.
As your question regarding adding vuaa to vwce.. basically you would be saying that top advisors in one if the best index fund company in the world for the past 60 years, is not maKing the right decision about how much of the world market their product (vwce) should consist of.
Maybe you are right and they are wrong.
Adding vuaa to your portfolio would mean that instead of cca60% of weight on s&p500 you want more.
Good luck