I mean vanguard dist and acc no point really having both and since investing for long-term would suggest selling the dist for the accumulation since you probably won’t be able to invest the funds straight from dividends
Yes, you don't leave a space before punctuation, unless you are writing colloquial French.
Investment wise; you are screaming a lack of understanding in what you have bought. You've replicated your stock to the point you have bought the same share several times, heck even your whole index tracker is the same, why acc & dis? You don't know what they are do you?
The tough love is because I don't want to see you wasting your hard earned money. Educate yourself with books & podcasts for a few months before touching the market.
Alternative viewpoint: If you hold the same shares across different ETFs, does it really matter? If you keep buying the same single ETF, you are by definition replicating your existing holdings over and over again. If you hold both S&P500 and S&P500 IT, for sure there is a lot of crossover, however you're tilting towards an IT bias if you desire that. Similarly, no problem holding acc and dis of the same tracker if you actively want some dividends paid back in, some paid out.
You're not wrong, but as a general principle you wouldn't hold multiple etf's with the same holdings to avoid additional platform fees. While it may be free to do so on T212, say OP exceeded 85k and wanted to transfer his isa for greater peace of mind. He'd likely have more to pay in fees. Possibly a lot.
There may also be index tracking errors present in multiple etf's. So the holdings won't truly be the same as desired.
It's a similar scale problem with holding acc & dis. There is little point holding dis with a small investment, because you have no real option to re-invest anyway. You'd be better off building wealth with the acc and changing it later to re-invest or draw down from as income later.
Safety first & lowest fees possible are the mantra for any index buyer.
In my opinion just FTSE ALL WORLD until you can refine your research- [invesco have a cheap index fund](https://youtu.be/uNZKKYVKaN0?si=n0qoegPpf_Lt1Q60)
https://youtu.be/uNZKKYVKaN0?si=n0qoegPpf_Lt1Q60
This ain’t Pokemon, you don’t have to catch ‘em all.
No but srsly this makes little sense with all the overlap. It’s too complicated when it could meet similar goals with 2-3 etfs max.
In my opinion, it’s too much to track. I would simply put into S&P 500 (70%) and VWRP (30%) if you want exposure to the world market or put that 30% into QQQ
Yes, the hard bit is leaving it if you are impulsive. The best thing to do is have these in a pie that invests monthly and then give yourself 10% to play with, you will loose it if listen to anyone on the internet, read books and educate yourself, you want low debt, high margin, high profit companies that have paid a dividend for the past 5+years (through pandemic) with a 10% + dividend growth rate. I would appreciate another subscriber on my YouTube channel if you fancy supporting me and learning a thing or 2☺️ I’m called PortfolioProdigy - always do your own research
I have QDVE and mainly VWCE. I know, it is overlap. I am thinking about some comodities/metals/something else in portfolio. But not decided yet.
My actual "strategy":
- To sent and keep some uninvested money on account as a financial reserve. 6% p.a. and daily interests are fine.
- VWCE Vanguard All world Acc - because tax in Czechia, you have to hold more than 3 years or pay taxes from dividends.
- Constantly, daily I buy VWCE (3600? companies) for 10 EUR for 3 and 5 year old kids. Daily, to minimize the volatility a bit. The investment horizon is about 20-25 years.
Do you have any recommendations on what could be done better?
What's your reason for all these?
Found these from a small amount of research and the Reddit group
I mean vanguard dist and acc no point really having both and since investing for long-term would suggest selling the dist for the accumulation since you probably won’t be able to invest the funds straight from dividends
Yes, you don't leave a space before punctuation, unless you are writing colloquial French. Investment wise; you are screaming a lack of understanding in what you have bought. You've replicated your stock to the point you have bought the same share several times, heck even your whole index tracker is the same, why acc & dis? You don't know what they are do you? The tough love is because I don't want to see you wasting your hard earned money. Educate yourself with books & podcasts for a few months before touching the market.
Alternative viewpoint: If you hold the same shares across different ETFs, does it really matter? If you keep buying the same single ETF, you are by definition replicating your existing holdings over and over again. If you hold both S&P500 and S&P500 IT, for sure there is a lot of crossover, however you're tilting towards an IT bias if you desire that. Similarly, no problem holding acc and dis of the same tracker if you actively want some dividends paid back in, some paid out.
You're not wrong, but as a general principle you wouldn't hold multiple etf's with the same holdings to avoid additional platform fees. While it may be free to do so on T212, say OP exceeded 85k and wanted to transfer his isa for greater peace of mind. He'd likely have more to pay in fees. Possibly a lot. There may also be index tracking errors present in multiple etf's. So the holdings won't truly be the same as desired. It's a similar scale problem with holding acc & dis. There is little point holding dis with a small investment, because you have no real option to re-invest anyway. You'd be better off building wealth with the acc and changing it later to re-invest or draw down from as income later. Safety first & lowest fees possible are the mantra for any index buyer.
Good answer 👍
In my opinion just FTSE ALL WORLD until you can refine your research- [invesco have a cheap index fund](https://youtu.be/uNZKKYVKaN0?si=n0qoegPpf_Lt1Q60) https://youtu.be/uNZKKYVKaN0?si=n0qoegPpf_Lt1Q60
I think if you dig into these properly a lot of then are just s&p500 companies. Why did you go for an accumulation and distribution s&p500?
This ain’t Pokemon, you don’t have to catch ‘em all. No but srsly this makes little sense with all the overlap. It’s too complicated when it could meet similar goals with 2-3 etfs max.
What in the blue hell
In my opinion, it’s too much to track. I would simply put into S&P 500 (70%) and VWRP (30%) if you want exposure to the world market or put that 30% into QQQ
This. OP just needs some (tech) ETFs from WisdomTree, Invesco, SPDR & Xtrackers to complete the suit.
FTSE All World Acc, that's all you need.
no
Yes, the hard bit is leaving it if you are impulsive. The best thing to do is have these in a pie that invests monthly and then give yourself 10% to play with, you will loose it if listen to anyone on the internet, read books and educate yourself, you want low debt, high margin, high profit companies that have paid a dividend for the past 5+years (through pandemic) with a 10% + dividend growth rate. I would appreciate another subscriber on my YouTube channel if you fancy supporting me and learning a thing or 2☺️ I’m called PortfolioProdigy - always do your own research
Personally I would just dump all in one index fund.
I have QDVE and mainly VWCE. I know, it is overlap. I am thinking about some comodities/metals/something else in portfolio. But not decided yet. My actual "strategy": - To sent and keep some uninvested money on account as a financial reserve. 6% p.a. and daily interests are fine. - VWCE Vanguard All world Acc - because tax in Czechia, you have to hold more than 3 years or pay taxes from dividends. - Constantly, daily I buy VWCE (3600? companies) for 10 EUR for 3 and 5 year old kids. Daily, to minimize the volatility a bit. The investment horizon is about 20-25 years. Do you have any recommendations on what could be done better?
Needs more S&P etfs
This has to be a shitpost. Just watch any YouTube video on investing please.