Rate my ETF Allocation : eupersonalfinance


Hi All,

I have structured my ETF portfolio and would like to ask for your opinion. In addition to the ETF allocation, I have added a couple of historical data on the portfolio if someone would invest in it in 2011 and kept it to the end of 2020.

Bear in mind that these cash have no use for me in the future, therefore a long term is welcomed.

Allocation

– 75%: iShares Core Euro Government Bond UCITS ETF (Dist)

– 5%: iShares Core MSCI World UCITS ETF USD (Acc)

– 5%: Amundi ETF MSCI Emerging Markets UCITS ETF DR

– 5%: iShares Core S&P 500 UCITS ETF (Acc)

– 5%: Xtrackers MSCI World Information Technology UCITS ETF 1C

– 5%: iShares Global Clean Energy UCITS ETF

Portfolio data

Historic yield: 6,44% per year

Volatility (1y / 3y / 5y): 12% / 9% / 8%

Max drawdown: -8% (March 2020)

Geographic exposition: 77% Europe, 15% US, 3% China, 6% Others (therefore 23% only exposed to currency risk)

The most interesting thing in my opinion is that in all the years 2011-2020 this portfolio has never been in the negative, with only 2011 and 2018 being a +0%.

FYI In case of the ETF launched after 2011 (e.g.: Hi Tech), I have the assumption that I would keep cash (therefore 0% yield, 0% volatility)

Strategy

Maybe this portfolio can be seen as too much conservative, but the goal is in between capital preservation (through bond ETF) and growth (through sectors ETFs)

Happy to hear any thought or change you would made 🙂



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