So, I wanted to ask some questions about the portfolio I've built, as well as some questions regarding my future investments and/or change some of my current ETFs
Current situation:
- Married, taxed filled separately
- Age: 33y
- Broker: Interactive brokers
- Portfolio size: 30K euro
- Annual portfolio investment:5-8K euros
- Portfolio: 100% ETF based
- World stocks:
- iShares Core MSCI World UCITS ETF (IWDA)
- TER:0,20%
- Distribution Style: Accumulating
- Allocation: 20%
- European stocks:
- iShares STOXX Europe 600 UCITS ETF (DE) (EXSA)
- TER:0,20%
- Distribution Style: Distributing
- Allocation: 25%
- US stocks:
- iShares Core S&P 500 UCITS ETF (SXR8)
- TER:0,07%
- Distribution Style: Accumulating
- Allocation: 10%
- Emerging Markets stocks:
- iShares Core MSCI EM IMI UCITS ETF (EMIM)
- TER:0,25%
- Distribution Style: Accumulating
- Allocation: 10%
- RETIS:
- iShares Developed Markets Property Yield UCITS ETF (IQQ6)
- TER:0,59%
- Distribution Style: Distributing
- Allocation: 10%
- European Bonds:
- iShares € Aggregate Bond UCITS ETF (IEAG)
- TER:0,25%
- Distribution Style: Distributing
- Allocation: 25%
- What do you think of this portfolio and asset allocation distribution?
- I usually buy each ETF on January, and keep the same allocation until July (if enough savings to invest in all of the again) or keep it as is, until the next January so, I want to reduce my brokerage costs and I still haven't figure out yet if its better to invest each month in 1 ETF, to lower the maintenance fee IB charges me (10USD monthly vs 4EUR to buy 1250 EUR per ETF), or just assume that cost and BE IN THE MARKET the whole year, opinions & suggestions please?
- I like to receive dividends in cash, so I'm able to rebalance myself, and "see real growth", is it worth to change them or should I keep buying accumulating ETFs? I have found the same ETFs I have but in distributing style (SXR8 -> IUSA (TER 0,40%) / IWDA -> IWRD (TER 0,50%) / EMIM -> IEEM (TER 0,75%))
- If I should change them to distributing, should I also change my current ETFs of keep them to avoid double brokerage fees?
Best regards and many thanks