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[starting to invest] portfolio allocation and ETFs

  • 15-12-2016 1:32pm
    #1
    nunosbpereira
    Registered Users, Registered Users 2 Posts: 1 ✭


    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]Hi everyone,[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]Hope to find you all well. I am creating this new topic because I am a beginner in this area and I would like to know if the following portfolio allocation strategy makes sense.[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]My goal is to invest in a long-term perspective (30-40 years) and I don't plan to withdraw these funds anytime soon.[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]I am also planning to invest in EU-based index ETFs which accumulate dividends instead of distributing them across the year.[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]I set such requirement because I will be investing from Portugal and I want to avoid losing a lot of my future income in taxes.[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]I would like to move forward with the following allocation:[/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- 65% equity[/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- 20% debt[/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- 15% REITs[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]1) For the equity part, I plan to invest 70% in the US market and 30% in emerging markets. [/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]These are the ETFs that I might invest in to cover the US market. I would like to pick one amongst these two:[/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- iShares Core S&P 500 UCITS ETF (link)[/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- db x-trackers MSCI USA Index UCITS ETF (DR) 1C (link)[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]I only found this ETF for the emerging markets:[/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- iShares Core MSCI Emerging Markets IMI UCITS ETF (link)[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]2) For the bonds, I plan to invest 10% in short-term ETF bonds and 10% in P2P Lending platforms (that one is already taken care).[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]These are the bond ETFs that I found. I would like to pick one of them:[/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- db-xtrackers Eurozone Government Bond UCITS ETF (DR) 1C[/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- iShares Euro Inflation Linked Government Bond UCITS ETF [/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- Lyxor UCITS ETF EuroMTS 3-5Y Investment Grade (DR) EUR [/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]3) For the REITs, this is what I've found and I would like as well to pick one of them:[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- Amundi ETF FTSE EPRA Europe Real Estate UCITS ETF [/font]
    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]- db x-trackers FTSE EPRA/NAREIT Developed Europe Real Estate UCITS ETF (DR) 1C [/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]4) Does this allocation make sense? Which ETFs would you choose? If not any of them, which other ones would you choose instead?[/font]

    [font=Verdana, Arial, Tahoma, Calibri, Geneva, sans-serif]Thanks for the help in advance![/font]


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