MSCI

tired_ani

Best comment I’ve read in a while, I have been selling many stocks that are up 20-40% that I realized I know nothing beyond some superficial stuff about. And adding to 60-40 boggle head type portfolio to anchor my portfolio around indices this past week. Also realized that without realizing my portfolio is super tech focused, granted I actually think AI is a game changer but any slowdown I would be screwed. Loved your point about having conviction in holding and being able to add more when stocks dump. I sold many semi cap and added to indices MSCI and UNH. What areas / stocks are you looking at these days?

tired_ani

Looking to build/start positions in MSCI, UNH and BRKB in that order should prices fall more.

miata_only

Now that magnets are the hot buzz word on wall street we'll start to see CEOs of the largest companies start to mention them on earnings calls and press releases. Just like what happened with AI and quantum. Google will incorporate magnets into YouTube's recommendation algorithm. Netflix will drop a new series about magnets staring Kevin Costner. The new iPhone will be magnetic. Fidelity will launch a new ETF which tracks the MSCI magnet index. Just a matter of time, you guys.

Cerditoremolon

Me gustaría saber tu opinión sobre mi portafolio. Greetings I'm a noob in all this but sometime after liberation day I decided to start investing in the stock market. I think I want to sell evonik, meituan, Prada and Adidas the rest I see myself keeping it for years. I have also thought about starting to invest about 425 per month in ETFs with the following distribution; 1. Ftse all world usd (225) 2. Clean energy usd (75) 3. Healthcare innovation usd (75) 4. MSCI world EM IMI (50) Ya tengo metidos unos 1000 dolares en el cuarto. My actions are; Alphabet: €3,409.02 PepsiCo: €3,785.20 Amazon: €1,195.65 Apple: €1,018.65 Walmart: €762.60 AMD: €1,149.90 Alibaba: €1,130.40 Prada: €391.00 Meituan: €450.00 Evonik: €1,034.00 Adidas: €1,040.00

CashMeOutsideCFP

Weak dollar most the time correlates to international outperforming. Dollar is down 7% ytd MSCI EAFE up 20% ytd

AttilaTH3Hen

I have been looking for one to replace my holdings in the ETF: HTA because I don’t like that they removed AMD and kept AAPL. Then again they follow the MSCI “Tech Achievers” so no fault to them.. just looking for something more in line with my long term thesis/holdings that will not change much/at all in the coming years.

Defiant_Carob_5846

Ok, S&P ✅ CAC ❌ But why not DAX? German companies have good growth potential, don’t they? (I sqw the charts of the last 5 years and they look pretty good) And what’s your take on Nasdaq, MSCI, FTSE ? (no need for drama, I have no intention of schooling anybody, I appreciate any help I could get on reddit, I’m not looking for drama)

Xiaopeng8877788

Chill, facts first. You’re quoting SPY’s raw price, but context matters: the outperformance gap still stands. - SPY is up ~7% YTD (price), sure — but international stocks (ex-U.S.) are up ~15–20% YTD depending on the index. - IEFA (MSCI EAFE ETF): +10.2% YTD - VEU (Vanguard FTSE All-World ex-US): +12.7% YTD - Emerging markets (VWO): +11% YTD Now factor in the USD’s ~10% drop — international assets are worth even more in real purchasing power terms vs. USD-denominated gains. That means U.S. stock gains are being eroded globally. Also: if you’re counting total return, SPY’s 7% becomes ~8.5% with dividends. But international ETFs pay similar or higher dividends, so the gap still widens when including those. Lol… YTD SPY vs international and still crying about its dismal performance. So uninformed

Xiaopeng8877788

Wait you don’t even know this and you’re commenting in a “stocks” subreddit??? Lmao wtf!!! What timeframe: Since Trump’s 2nd-term return, international stocks have outpaced U.S. equities by roughly 10 percentage points, while the U.S. dollar has weakened ~10%, eroding real returns for American investors. ⸻ 📈 Performance Breakdown • International equities (MSCI ex‑U.S.) are up ~11% YTD in 2025, while U.S. stocks are roughly flat or modestly positive (+1–2%). • Through Q2, international‑stock funds returned 19.1% YTD, compared to U.S. stock funds at just 3.8% . 💵 USD Collapse • U.S. Dollar Index (DXY) has plunged 10.8% in H1 2025—the worst in over 50 years . • Broader trade-weighted indexes fell from ~122 in Feb to ~115 by June—a ~6% drop . • Dollar spot index now near 97 (from 108 at start of year)—10% decline (). ⸻ Net Effect: U.S. investors are hit twice: 1. +10 pp underperformance on international vs U.S. equity returns. 2. Another ~10% loss from USD devaluation wiping out purchasing power.

GhostsinGlass

On futes that are open after tariff delay announcement. Futes Green: * DAX * CAC * FTSE * Euro Stoxx * ASX * MSCI Futes Fuk: * US * Nikkei The money is leaving Mango, what are you doing you big orange oompa loompa.

Cobra25k

Amazon, Meta, ASML, Netflix, MSCI

Unlikely-Profile1445

Idk man but the MSCI ETF on the London Stock Exchange doesn’t look optimistic today https://finance.yahoo.com/quote/ISAC.L/

tired_ani

Ive been selling some tech and semi cap (sold SNPS, CDNS, trimmed heavily AMAT, LRCX and KLAC, trimmed slightly AMZN, META) I am sitting on some cash and I absolutely hate not being invested. Are there any quality non tech names that anybody is willing to suggest at today’s valuations? Thanks I added a little bit to MSCI and own some SPGI, MCO, UNH . Admittedly I have a bias for large cap due to perceived safety. I was thinking using my meta proceeds to buy more SPGI and start a position in BRKB

Clean_Attempt3143

STANDARD INDUSTRIES LIMITED DENTSU GROUP INC. ISHARES MSCI GLOBAL ENERGY PRODUCERS Or talk to a Doctor

Phenolphthelein

So Im entering the market with about 12,000 in assets. I'm 19 Years old, living in the Uk as a student who works part time to pay rent, but has little leftover for further investments. The hope is that I want to buy a house by 25, and then save up as much money as possible through investments by the time I'm 30, ideally, about 100k, though that may be more then a little optimistic. My only debt is student loans, and UK loans don't work the same as American ones so I'm not too worried about that. I want a fairly aggressive investment portfolio with a tendency towards tech. My current thoughts are: 20% Vanguard S&P 500. 20% Vanguard FTSE All-World. 20% iShares NASDAQ 100. 10% iShares US Treasury Bonds 1-3yrs. 10% Vanguard Emerging Markets Government Bond. 5% MSCI World Small Cap. 5% iShares MSCI World Mid-Cap. 5% iShares S&P 500 Information Technology Sector. 5% iShares Automation and Robotics. I'm wondering if I have just gone entirely too risky which index funds that heavily rely on the technology sector. I'm also wondering about the mid cap and small cap stocks, and as to whether their inclusion is worth it, or if it would be better to put that money elsewhere. The final question relates to the Treasury Bonds. The general aggregate bonds that Vanguard are offering right now seem awful, with the returns over the past few years and the generally low bond yield, and 1-3 years seem better, but am I just missing something? Just I sell some and buy some longer term Treasury bonds instead?

himynameis_

If it were me. And I didn't have much interest/passion for stock picking. I'd put it in the S&P500 and leave it there. Either S&P500 and/or Nasdaq, and/or MSCI World index.

Puzzleheaded-Bonus25

I have a bout 12k in Swing trade profits (big chunk from selling of MSCI World ETFs around liberation day). New for me this year is that I started to learn momo day trading on TOS+DAS over lunchtime work break(trading from Germany). I still suck and down 750$ to date since Feb with terrible metrics as you can see below(trading in SIM as well and profitable there 1k). Aim is to get profitable by end of year also with cash account. https://preview.redd.it/9fy7d1m5pw9f1.png?width=3217&format=png&auto=webp&s=c09baf4ea5ac0cacc1ba932437f060a6480d6dc1

RoyalAberdeen

Just look at the MSCI ex US. We are priced to perfection. Could we be seeing a double top?

PROMlSED

In hindsight, it was MSCI rebalancing that day, but I still thought we wouldn’t pump nearly as much. Theta really worked in my favor though, was able to close out before legs went very ITM

YetAnotherGuy2

I mostly follow the same wisdom and primarily invest in Euro Stoxx 50 or 600 which are ETFs with companies in the Eurozone to not introduce currency uncertainties. Having said that, because the Euro has only been around for 20 years, many Europeans have a history of investing in many currencies and are less hesitant to continue to do that. There are many who will run with MSCI World ETFs which represents the biggest companies worldwide. The discussion is mostly around for it skews heavily towards American companies and some therefore prefer to buy a mix of indices of Euro Stoxx, S&P, Emerging Markets, Nikkei, etc to get a more balanced world mix. The performance of my investments in S&P has been on par with Euro Stoxx 600 while the MSCI world has performed best, mostly driven by it's heavy skew towards the "Glorious 7".

sapoabilio

I'm around 90% IWDA, 10% GOOG. And no, most people do not invest primarily in European stocks around here. If you check Trade Republic or DeGiro's most traded stocks it's usually full of American companies. Similarl for ETFs, even though VT and MSCI World are usually more common that American only ETFs.

LordFedorington

No, it’s not a cluster risk, dont lecture me if you don’t know better. A regional focus is not a cluster risk, if it was, anything with less focus than a global ETF would be a cluster risk. Many companies in the SP500 make their revenue globally, like Apple. It’s a well diversified index already. It has less global exposure than the MSCI World but the MSCI World is already 70% US Stocks. I deliberately picked the SP500 because I don’t need the non-US exposure because I believe the SP500 will continue to outperform all world ETFs. You don’t understand the first thing about currency risk and try to teach me about it? Investing in US ETFs as a European investor is actively increasing currency risk for me - that’s why you see all these threads about Euro investors concerned about the weak dollar. Go read up on the basics man..

jlebedev

The S&P 500 is the definition of cluster risk. If you want to actually diversify with a low risk profile, invest in the MSCI World or FTSE All-World. You seem to not actually know about diversification.

Cobra25k

I used to be a lot more prolific in this sub checking it daily back in 2021-2022, but I rarely visit this sub anymore cause I’ve realized how much of an echo chamber it truly is and overall has a negative effect on actually making sound investments. Granted, Im just a retail investor on reddit, so take this for what it’s worth. My portfolio was around $700,000 in 2022 and is now sitting around $1.9m as of today. My 10 core holding have been Amazon, Meta, Microsoft, ASML, Netflix, Crowdstrike, Shopify, AMD, SOFI, and MSCI. If you’re starting to get nervous with how much this market is continuing to run up, shrugging off and ignoring any bad news or bad economic data, you’re not alone. Here is what I’m doing, again, take it for what it’s worth. I’m not fighting the trend. I’m fully 100% invested into equities and letting the momentum ride higher for the time being. I have a pretty high level of conviction that we will see new all-time highs on the S&P500 soon, which will force more hedge funds and institutions to reallocate back to being overweight equities fueling us even higher, because they cannot afford to miss another rally. Financial conditions are still loose, banks are still lending, people are still spending, stocks going back to near all-time highs has loosened financial conditions even more via the wealth effect and more spending, there is still too much money floating around, too much spending, and too much positive momentum for the market to roll over and head lower. With that said. I am not buying at all at the moment, I am building as much cash as I can right now. Additionally, I have already identified around 30-40% of my equity positions that I will trim, minimizing capital gains tax as much as possible, once I see the leading economic indicators start seriously bringing down the cyclical portion of the economy. The business cycle happens if four sequences, starting with the leading economy, then the cyclical economy, followed by the aggregate economy, followed by the lagging economy. Initially, you will always see pain and degradation in the leading economy first, this is how the business cycle works, which we are seeing in spades currently, just check the conference board leading economic index https://www.conference-board.org/topics/us-leading-indicators Eventually and inevitably, the pain in the leading economy then bleeds into the cyclical economy next, because the cyclical economy is the most interest rate sensitive portion of the economy in manufacturing and housing construction. Right now the cyclical economy is declining, but not nearly enough to bring down the aggregate economy. The aggregate economy is still rising, hence why we are still seeing a low unemployment report and decent job creation via NFP. However, with how much the leading economy is still continuing to drop to this day, it will inevitably bring down the cyclical economy much more in the near future, which in turn will eventually be enough to effect the aggregate economy and you will see a spike in unemployment and plummeting in job creation in NFP. So what I’m I watching for? Well, I am NOT watching the headline unemployment report, job creation in non-farm payrolls, or services PMI report at all. That’s because these are all lagging indicators, and not indicative of whether or not a recession is coming. Once you start seeing a rise in headline unemployment, a plummeting in job creation in NFP, and services PMI tank, the recession will already be underway and it’s too late. What I am watching is the conference board leading economic index (which continues to drop), showing more pain is building in the pipeline. And even more closely I’m watching the leading indicators of the cyclical economy. Such as overall headline manufacturing PMI and new orders, manufacturing employment (specifically in durable goods), building permit authorizations for single family homes, home builders profit margins, and initial and continuing jobless claims. Once I start seeing more significant degradation in these leading indicators in the cyclical economy, I’ll be trimming around 30-40% of my equities I have already picked out to cash to be ready to deploy before the degradation in the cyclical economy bleeds into the aggregate economy and causes the inevitable recession. Remember, with how much the leading economic index has dropped over the last 3 years. That’s all pain in the pipeline that has yet to fully come to fruition. The lag time of feeling that pain has just been exponentially increased this time around due to the most extensive and substantial fiscal stimulus we received in decades due to the COVID and the complete economic shutdown. This has allowed consumers to continue to spend and fuel the economy much longer than historically normal, even through higher rates and financial tightening by the Fed.

GlokzDNB

If anyone knew that... I think combination of stuff. For sp500 more tech companies are part of it as US is really powerhouse for innovation, those companies grow profits faster than traditional business as it scales really good globally. So if you have a company that grows profits by 50% YoY it's P/E doesn't matter, more like future p/e.. More tech companies in the fund bigger P/E? Then individual investors care more about stability and buy premium stocks just for safety reasons, worst case scenario is that you buy cheap stock and it bankrupts, there's always a reason why stock is cheap, diminishing business bad management or geopolitical risks. Interesting was my investment into Orlen (PL oil company) which had huge political risks as Polish politicians used it to win elections over and over again. It had low P/E But was great business overall with nice perspectives. I bought it because I knew people notice this and it will stop in short future, it's price almost doubled since then. So P/E was low but to foreign investors and big money it was too big of a risk. So it's a preference to buy overvalued stock but knowing it can grow profits fast and it won't collapse anytime soon so you can buy and hold. So just look at any investing sub right now, most people tell you to invest into MSCI world or SP500 ETF, nothing else matters. Non US markets even fast growing economies do not get enough attention as people don't trust them. I think there will be a breaking point for US when investors will pull money and lot of people will lose money and start paying attention to P/E more. But this can happen tomorrow or in 10 years or 50.

Over-Computer-6464

I try to avoid complexity unless there is a significant benefit. I have seen many portfolios managed by financial advisors that are complex combinations of both growth and value funds, in addition to blended funds. When I do a backtest on them they end up being essentially the same return as a basic low expense ratio total market fund. [Portfolio Visializer](https://www.portfoliovisualizer.com/backtest-portfolio) is good for backtesting, although free accounts are now limited to 10 year maximum backtests. For the portion of my portfolio that are ETFs I just default to the old reliables of VTI/ITOT/SCHB (total US stock market) and IXUS/VXUS (total ex-US stocks). I use the multiple ETFs for total US and total ex-US for tax loss harvesting. In your Roth that is irrelevant, so the simplest and easiest and most effective thing to do is to simply figure out our US/ex-US allocation and buy VTI and VXUS, at both brokers. VXUS tracks FTSE Global All Cap ex US Index, with 0.05% expense ratio with a fairly large tracking error of 1.78%. It is also available as the mutual fund VTIAX at the slightly 0.09% expense ratio. IXUS has 0.07% ratio and tracks MSCI ACWI ex USA IMI with 1.59% tracking error. The overall returns of the two ETFs are essentially identical. Your 20% allocation to international is very reasonable. Although market cap weighting of international is higher, due to the extra volatility from exchange rate variations, the minimum volatility (in USD) is in the low 30% range of ex-US. I choose to apply a mild home bias and chose overall 80/20 US/ex-US. Because the individual stock portion of my portfolio (old, low cost basis shares in taxable accounts) are predominantly US, my ETFs are about 60/40 US/international.

Vivid-Avocado9342

Have you checked out FTEC? It tracks MSCI USA IMI Information Technology 25/50 Index which is more broad based technology than QQQ. You may see that as a positive out a negative depending on your perspective.

Aggravating_Shirt330

**39 y/o UK-based investor – Feedback on my "Magnificent 7" ETF Portfolio (IBKR ISA)** Hey everyone! I'm 39, based in the UK, and fairly new to investing. After weeks of research (and help from ChatGPT, YouTube, forums), I’ve built what I’m calling the “Magnificent 7” ETF portfolio. I invest through an **IBKR Stocks & Shares ISA**, contributing between **£300–£1000/month**. My goal is long-term wealth growth with: * ISA-compatible ETFs (LSE or USD-eligible via IBKR) * A mix of accumulating (for compounding) and distributing (for future income) * Sector/region diversification with low fees and overlap * Some dividend-friendly holdings for balance **Portfolio Breakdown:** * **VWRP** – Vanguard FTSE All-World (40%, Acc) → Core global exposure, long-term compounding * **SCHD** – Schwab US Dividend Equity (15%, Dist) → Reliable income and stability * **SGLN** – iShares Physical Gold ETC (5%, ETC) → Inflation / geopolitical hedge * **CHIP** – Amundi MSCI Semiconductors (10%, Acc) → AI + chip growth potential * **RBOT.L** – iShares Automation & Robotics (10%, Acc) → Exposure to robotics + automation sector * **UTIL.L** – iShares MSCI World Utilities (10%, Acc) → Defensive play, infrastructure & energy stability * **CNDX** – Invesco NASDAQ-100 (10%, Acc) → Top tech megacaps, long-term growth **Style:** Passive, long-term holder (10–15+ yrs), moderate risk. **Structure:** Core + Satellite, all held in my UK ISA. Would love feedback: * Am I overexposed to tech even with UTIL? * Is anything redundant or missing? * Any swaps you’d recommend? Thanks so much in advance!

diener1

Idk about you guys but I put 1000 into MSCI World today and I'm already up three fiddy. See you folks on the moon

TargetDreams

Can’t believe I bought MSCI Brazil this morning cause their futures were green. Live and learn.

Snoo45793

pick something long term, low cost with 80-100% stocks, aim for low cost (max 1%) like an ETF - diversity is key so try something worldwide ( MSCI World is a prime example), u can later add some „direction“ if u wish to just spend 20-30% of ur income for the next 30+ yrs and ur chilling

Ok_Employment_192

Guys what do you think about buying an etf tracking the MSCI World Energy index?

Ok_Employment_192

Hello, given that everyone says the oil price is likely to rise by a lot, but I don't know exactly which is the best stock to buy, what would you think about investing on an etf tracking the MSCI World Energy index? Or, alternatively, an etf tracking the S&P Commodity Producers Oil & Gas Exploration & Production index?

Leroy--Brown

Yes, I read your post. Hence why I advised MSCI. Good luck with your investing choices. I will continue transitioning into VT as I personally believe American exceptionalism isn't dead, it's just having it's last party before it dies and passes the imperialism baton to China.

Leroy--Brown

This is the way But yeah for OPs idea, there are a ton of MSCI funds that specifically aren't exposed to US based assets.

MicroRootAI

China’s economy exploded, but its stock market didn’t get the memo. Between state control, low investor trust, and profits not always flowing to shareholders, it makes sense the MSCI China hasn’t mirrored the country’s growth.

royaltynloyalty13

It's an interesting discussion! MSCI China’s performance has faced headwinds from regulatory crackdowns and economic slowdowns, which have weighed on investor sentiment. Personally, I frame it as a reminder that emerging markets come with both high potential and higher risks. Do you typically hedge with other regional ETFs or prefer to ride out the volatility when holding Chinese assets?

drteeth111

Yes, but I did change strategies to some extent. I moved about 20% of my portfolio to individual stocks instead of ETFs. It might be hubris, but I believe the market volatility creates more opportunities to pick up undervalued or cheap high potential growth stocks. And my investment horizon is long enough, so I can recover from a potential wipe. I'm up 7% YTD, which is not fenomenal, but still better than the S&P or the MSCI.

LowEndHolger

Regretti-Computer. And 2x MSCI USA ETF in January.

lab-gone-wrong

Specific index recommendations tend to devolve into methodology debates but MSCI World ex-US is a popular benchmark and is +17.6% YTD https://www.msci.com/indexes/index/991000 My 401k has Spartan International Index Pool Funds which is showing 18% YTD and I'm currently over 35% allocated growing every 2 weeks 

oberwolfach

Something like the [iShares MSCI World ex-USA UCITS ETF](https://www.ishares.com/uk/individual/en/products/340748/ishares-msci-world-ex-usa-ucits-etf) fits what you're asking for. It's a broad global stock ETF excluding US-based companies, and it's domiciled in Ireland.

luthiel-the-elf

Silly question, why not ETF following broadbase regional index like Eurostoxx 600 or MSCI Asia ?

Sufficient-Neat7264

I see your point, and thanks for sharing your opinion few days ago i had basically the same question if i should go for a MSCI world + EM one or a FTSE World/ MSCI ACWI instead in the end i choose the 2 in 1 option due to lower costs Maybe in the future i might change it so i have the flexibility of allocation

luthiel-the-elf

Uhhh currently only 30% ish from net take home pay but hopefully soon I'll be able to get to 50% take home pay as in less than a month I'll be moving to a low cost of living area for a new job that gives me a raise. I do DCA yes, currently in 3 index funds as a more personalized version of MSCI World as I am not a US person but might soon just go MSCI World.

xiongchiamiov

You say your goal is to add more diversification. MSCI WORLD ex-US does that most simply. Is there a reason you want to avoid Japan?

Sufficient-Neat7264

Hello first of all sorry for posting here, i have been following this sub for quite some time and also portfolios one , although im posting here since i have not enough karma ahah Back to the main subject im currently at 29, im self-employed and live in Portugal, my incomes varies a bit although i also don't have high expenses so i always keep some money aside and this year i decided to do some changes and think ahead in future and start investing, before i only used to leave my money at the bank at a low rate (2%) for 6months and just renew it. Started taking around 400euros every month and deposit it at a brokerage called XTB mainly because it is the only one with office in my country and has no commissions bellow 100k invested monthly and i use it to lower the expenses. It has various etf's and stocks, i did read most part of the bogleheads wiki, and did bought some shares on a low TER S&P 500 [SPYL.DE](http://SPYL.DE) (ISIN; IE000XZSV718) but since i'm aware it alone is not sufficient to build a portfolio i'm looking for some more diversification and have some ideas where to invest: 1) MSCI WORLD ex-US (main idea would be to have a part of the other developed countries) 2) MSCI CORE EUROPE (avoids the Japan allocation that the above point offers and historical has better performance) 3) FTSE ALL-World (well it alone covers pretty much everything developed and emergent but historical perfomance..., well i dont like it that much but i might be wrong) 4) And as an additional backup i think would be wise to hold some commodities such like gold through an ETC with a lower allocation of my portfolio What i was thinking is (S&P500) 70%/ (one of the options above or more but divided) 20% / ETC GOLD (10%) I already do have a fund emergency capable of living from it for more then 12months and in case of a bear market i could increase the monthly invested looking for better opportunities My goal is for retirement in 30'ish years and live comfortable with it, and since i have a good fund emergency i can live well with my investments, at the moment the etf i hold is on my coin, euros Forgot to mention currently i have no debts and very low expenses or basically none Thank you for reading it all and thanks in advance for all the advices

DrBimboo

In short: - S&P500 and MSCI World. - Dont invest it all at once, spread it out over time. - Dont ever look at it if you dont need it in the next year

hustla-A

I agree with other posters. If you're going to invest in the US + Europe you might as well simplify and just buy an MSCI ACWI or MSCI World instead of holding multiple ETFs. That automatically contains all (developed) markets. FTSE All World or Prime All Country World are comparable options also

Shark0_2

Since you’re already investing in the S&P500 which is heavy in the American Tech sector I would suggest balancing it with SMEA imo the best EU large to medium cap ETF which predominantly focuses on everything else outside of tech (it has a very small 7% allocation to tech only). You care read more about it here: Take a look at this security at justETF: iShares Core MSCI Europe UCITS ETF EUR (Acc) – https://www.justetf.com/en/etf-profile.html?isin=IE00B4K48X80 I invest in two ETF’s imo it’s all your need, the two are FTSE All-World VWRP and SMEA.

Emmanuelv7

I took this from u/party-audience-1799 it explains xeqt and also why it’s not “kinda trash”. TLDR it’s good passive way to invest, limiting market volatility if you have an over 7 year horizon, while exposing you to global markets XEQT is made up of over 9,500 stocks with the majority of them coming from US and Canadian companies. Because it is made up of all stocks, no bonds, XEQT is best suited for those with a bit more risk tolerance, who are willing to wait out market swings for the potential to earn higher returns. XEQT has a low Management Expense Ratio of 0.20%, which is 0.05% lower than VEQT. XEQT is made up of 4 iShares ETF holdings, which are iShares Core S&P Total US Stock (ITOT), iShares MSCI EAFE IMI Index (XEF), iShares S&P/TSX Capped Composite (XIC), iShares Core MSCI Emerging Markets (IMEG). Top holdings are Apple, Microsoft, Shopify, Amazon, Royal Bank, TD, and Facebook to name a few. The ETF portfolio invests in a basket of ETFs that, in turn, invest entirely in stocks. By investing primarily in four underlying ETFs, XEQT provides investors with low-cost exposure to over 9,500 individual stocks trading on several exchanges worldwide. About 45% – 50% of its entire focus is on US equity securities. With 20% – 25% of it is exposed to Canadian equity securities, and the rest are focused on stocks in emerging markets and international holdings. It’s a popular ETF these days. It is meant for long-term growth.

elchico14

MSCI World ex USA stocks have passed all time highs. Time for SPY to catch up.

Sad_Ad8730

Should I be a puss and get southern or have some balls and get MSCI

TransportationIll282

SPDR MSCI world is at the same price it was in Oct in euro. I wonder how much of the growth is just the dollar sinking.

WickOfDeath

Last time he said that I bought puts on the S&P500 and had a nice profit on that. Section 899 of the "Big Beautiful Bill" has a clause that could source tax profits made by foreign investors. Actually people done realize this in it's full meaning yet. But if it passes the senate this would cause ETF outflows... I personally would swtich to Ex US MSCI World or Ex US FTSE.

cinJESUS

isn't today quarterly MSCI rebalancing day? good day to full port 0DTE OTM calls 

BushLov3r

Obviously going down a bit this week. Pump on Friday was only due to MSCI rebalance

Careless_Perception4

HSBC MSCI World Ishares EM IMI Ishares EU ESG Nvidia Rheinmetall Yes, all five at ones

elitenoel

Is it because of the monthly MSCI rebalancing?

SnS2500

Not the same thing, but the simplest answer is: GREK... the Global X MSCI Greece ETF

bentonjs

Most importantly, it’s the MSCI quarterly rebalance today as well.

slickyeat

True I just assumed that one of my brokerage accounts would allow me to purchase a corresponding ETF. Closest I could find is INDA which follows the MSCI India Index

dtlabsa

Tomorrow is MSCI rebalance day. Buy calls an hour before close. Sell them at close.

the_zen_arcade

Around plus 4% only. But sold a lot and realized a bit of profits before liberation day and bought more dividend stocks and Jepq (which effed up my portfolio quite a bit). Best performers: MSCI World Etf and NVDIA. 

Traditional-Pear-542

€7k MSCI World etf €2k physical gold €1k bitcoin

ArtyMacFly

Probably a low cost index funds. MSCI world.

nochillmonkey

MSCI World ex US.

Busy-Block-1603

It's absolutely not the same investment in terms of risk. So you want to sell RE and put that money 100% in stock market? Typically a retirement portfolio is 80%-70% bonds (low Duration Sovereigns or Investment grade Corporate ETF, hedged to the currency that corresponds where you are going to live retired) and 20%-30% stocks. So unless you have a large FI portfolio elsewhere I think it's too risky move. Basically you shouldn't withdraw from Equities during market drawdowns. Your projection for stock market growth is also too optimistic. Have a look on Long View of JP Morgan, BlackRock and other large asset management companies. I don't have precise figures at hand but would assume 5-7% for MSCI World is reasonable. For bonds index you can get maybe 3-4%, so in total maybe 4.5%. Also 50% exposure to Australia seems excessive to me. It's incredible active bet. With your allocation you are basically overweighting Australia vs US. Whatever people talk about US current administration, even with Mickey Mouse as a president the country will continue outperforming everything else long term.

chopsui101

dumb....the nasdaq 100 has out preformed the S&P500 13 of the last 17 years. Nasdaq 100 was introduced in 1985 and out preformed the S&P500 24 of the last 39 years. It has also out preformed the S&P500 in total returns since 1985. The Nasdaq 100 has out preformed the MSCI world fund ex US since 1985 by a wide margin as well.

antilittlepink

Investing in any Chinese stocks over the past 20 years shows you lose. Investing in Chinese stocks over the past 10 to 20 years has been largely disappointing, with many investors seeing minimal returns or even losses, despite China’s rapid economic growth. The MSCI China Index, which tracks major Chinese companies, is down over the past decade and has underperformed global and emerging market indices significantly. This poor performance is due to factors including heavy state interference, regulatory crackdowns on tech and education sectors, unreliable financial disclosures, geopolitical tensions, capital controls, and an unpredictable legal environment. These risks have eroded investor confidence, leading to capital flight and depressed valuations.

Random_Alt_2947284

I am a european investor, and I can say that this is not the case. The bottom was 84 EUR per share of the iShares MSCI world, it is now at 100.

bcfc2402

SPDR MSCI Europe Financials UCITS ETF (GBP) 

ILikeXiaolongbao

(Not investment advice) It is too risky because it's completely reliant on US tech companies. Sure, that has been a major growth driver over the last 10 years, and this portfolio would have done fantastically over that period, but if you're looking for a nine year horizon it's way, way too risky to put all your eggs in one basket. I just checked QQQ and SPY for up to date numbers and a grand total of **87.5% of your portfolio is US tech (incl ETFs)**. Presumably that is also in USD. I guess you are American so that's not too big of an issue but it would be worth diversifying with a bit of foreign currency as well. I don't want to tell you what to do, but I would - when the moment is right for you - downsize some of those individual tech stocks and purchase a couple of ETFs to give you exposure to other markets. I think if you got the tech portion of your portfolio down to 50% then it would be a lot better. Some possible diversification could include: * **LYBK (EURO STOXX Banks EUR - ACC):** this is basically exposure to the European banking system, which is probably going to benefit you since fiscal policy is much more secure in the medium term in Europe vs other places. This is also a growth area with a lot of dividend paying stocks. It is up 45.5% in the last year and 383.99% in the last five years. * **VMID (FTSE 250 GBP - DIST):** this gives you exposure to British mid-caps, which have underperformed in recent years due to political instability, but the UK has 3.5-4 years of stable government ahead and is starting to grow well (2025 Q1: 0.7%+). The pound will benefit from Labour's "Securonomics" fiscal policy that will reduce debt risk. It is up 3.07% in the last year and 35.79% the last five years. * **LCUJ (MSCI Core Japan JPY - ACC)**: with this one you're getting 500 Japanese companies across a diverse range of industries. It is in Japanese Yen which is very weak, and is probably due to cycle stronger in the medium term. That means that it could grow quite a lot even if the companies aren't performing great if you're a USD investor. It is up 6.13% in the last year and 51.74% in the last five years. * **DXS0 (SLI CHF - DIST)**: on this one you get a really nice stable, defensive position. Swiss Franc generally gets stronger in times of unrest. Typically for me this one is low growth but rarely gives me scary swings and is a nice backup to have a small chunk of my portfolio in. It is full of big name Swiss companies that pay decent dividends. It is up 10.59% in the last year and 65.44% in the last five years. But please do your own research, I just think the message is that you need to have even a nice bit of your portfolio that isn't at the whims of some random AI startup in China going global or - god forbid - China moving on Taiwan.

vanguardeconomy

I really like $MSCI, creators of the MSCI World indices and company... their CEO is for me one of the best capital allocators in the world. $META also gives me a lot of confidence. I would perhaps add Hermès, although it seems expensive to me at these prices, but if it is for life, yes. If you are interested, I have some theses about these companies [here](https://vanguardeconomyresearch.com/estudios) openly.

max_strength_placebo

Those are higher-fee funds, which is a fair point to think about. But IMO you're making an apples-to-oranges comparison. Those funds are all performing OK, when compared to an appropriate benchmark. Don't make the common naive mistake of comparing every investment to the S&P 500 (which is larger US companies). Smaller company funds should be compared to the S&P 400, S&P 600 or Russell 2000. International or global funds have their respective benchmarks, such as MSCI EAFE OPOCX is a US small company fund BARAX is a US mid-size company fund OPPAX is global with 60/40 US/international mix GEMUX is the emerging markets fund JGASX is a large company US fund, and the only fund in your list which can fairly be compared to the S&P 500. a well-diversified portfolio should always have some part that is disappointing at the moment. you don't want to invest 100% of your money into what's performed well over the last 5-10 years, because investing plays out in big long cycles. keep buying emerging markets or small cap US stocks when they're blah, because the tables will eventually turn.

Plastic-Guarantee-88

The regular Eurozone index. It's called MSCI Eurozone, and covers (as the name implies) all the countries that are part of the Eurozone. [https://finance.yahoo.com/quote/EZU/](https://finance.yahoo.com/quote/EZU/) Click on this link and then hit "YTD" to see their returns from Jan 1 to present. It's weird. People on this sub aren't aware -- and somehow don't believe, even when presented with data -- that Tariff madness made the US underperform the rest of the world, by a lot. It's underperformed Asia by a little bit, and underperformed Europe radically. The beneficiaries of Tariff madness are clearly EU (and to a lesser extent Hong Kong) as they will pick up pieces of trade we are shutting ourselves out of. It's like not going to a party, and saying confidently "I bet no one else will show up either".

OdaNobunaga69

Amundi Prime Global (Acc) is a my preferred choice, with only 0.05% TER it's one of the lowest fees. Something to note, it doesn't contain Emerging markets or China, just the developed markets, which I prefer. SPDR MSCI All Country World UCITS is my second choice, 0.12% TER is slightly higher, but it also has higher volume, this one contains even the smaller and emerging markets, it's all country as it says. I'd recommend both, I wouldn't worry too much about the currency difference, you get American companies in USD, European countries in EUR and so on

Reeevade

I went all in on april. Havent touches stocks since years before. But now. Alphabet, Apple, Amd, NVIDIA, Coinbase, Ether, Solana, TSMC, China ETF, Dax ETF, MSCI World, Japan ETF, Amazon, Berkshire hathaway and more.... everything was so cheap :P

Cruian

>Yea ok buddy, you can go invest in your "emerging markets" and I'll stick with what I know works Think of it like similar to bank lending: banks give better rates to the safer borrowers, and they have higher rates for riskier borrowers. You can invest in what works, but that doesn't make it have better expected returns. > Also that FRDM etf is sadly only emerging markets I saw. I was bewildered for a sec why it excluded US, UK, Canada, Sweden but then I realized what it was I did mention it was emerging only. There's not really as much of a need for it for developed markets. You'd typically find a developed markets fund (ideally MSCI based I believe because FRDM considers both Poland and South Korea as emerging) to use alongside FRDM.

dipofthedip

There are tons of ETF discussions about this on Reddit. All kinds of combos are available. Just go search for them. Just keep in mind that you can never trust the ETF names. Always look into the actual constituents. Like **MSCI World ex-USA** is not really "the world" but mostly Europe, Japan, and Canada. It's not a bad place to start, but then you might want to add others. You can buy into individual areas, like MSCI India, but they often have slightly higher fees than the combo ones. (e.g. You'll find India in something like **FTSE Asia ex-China ex-Japan** or **MSCI Emerging Markets**.) No one can predict which areas are going to grow or decline and how much. So no point listening to people's guesses. Diversify internationally and then enjoy watching how they develop differently. People are right that there might be a global crash. But different areas will recover differently. If you're in the US and the dollar declines your non-US holdings might get a boost. And keep funds also elsewhere so you can buy more if and when your holdings tank to something like -60%. As far as I understand things, It shouldn't really make a difference which exchange you use to buy in.

Antique_Coyote_7836

\[Advice Request\] Investing strategy help — 35M in Spain looking to invest 100k for long-term growth Hi all! I’d love to get your feedback on my situation and the portfolio I’m considering. I'm looking for advice, critiques, or improvements you’d make. Age: 35 Country: Spain Employment: Yes, salaried Net income: €110,000/year Savings available: €160,000 I plan to keep €60,000 in cash in a high-yield savings account for peace of mind and short-term needs That leaves €100,000 to invest 🧭 Objectives Primary goal: Long-term investment and wealth growth I don’t plan to touch the money for at least 5 years, possibly more In \~5 years, I may use part of the capital (not necessarily all) for a downpayment on a house ⚖️ Risk Tolerance High — I’m okay with market volatility and short-term drops Previously followed the Bogleheads philosophy when I was in the U.S. Now that I’ve moved to Europe, I cashed out and am starting fresh from Spain 📈 Proposed Portfolio Here’s how I’m considering allocating the €100,000 I plan to invest: Allocation ISIN Description 35% IE00BYX5NX33 Fidelity MSCI World Index EUR Acc (Global Developed Markets) 40% IE0008248795 Vanguard Eurozone Stock Index EUR Acc (Eurozone Large/Mid Caps) 25% LU0524465548 Alken Small Cap Europe A (Actively Managed Small Cap Europe) 💸 Current Holdings / Debts No current investments No big debts (no mortgage or loans) Fixed monthly spending: \~€5,000/month (includes rent, etc.) Emergency fund: Covered with the €60k in cash 🤔 What I’d Love Help With Does this portfolio make sense for my goals and risk tolerance? Is it too aggressive, too concentrated, or too heavy in Europe? Should I consider adding bonds or other asset classes? Is there a more efficient or diversified way to structure this? Any issues with taxes or fund selection from a Spanish-resident perspective? Happy to provide more context if needed. Thanks in advance for any feedback you can give!

abramswatson

If you don’t understand the purpose of historical returns I can’t help you. Gold 5/9/25 - $3,333.10 S&P 500 Index 5/9/25 - $5659.91 MSCI World Index 5/9/25 - $156.75 RemindMe! -6 months

Liquilibrium

Ah okay, thanks! I don't know about the taxes in the US as I'm not from the US. But wouldn't it be beneficial to spread around the world instead of just investing in the US? When I compare VOO or VTI vs MSCI IT looks like the profit is nearly the same: https://portfolioslab.com/tools/stock-comparison/MSCI/VTI https://portfolioslab.com/tools/stock-comparison/MSCI/VOO

zork2001

Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame, FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|

zork2001

Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|

zork2001

Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|

greytoc

>the S&P 500 is like the 'premium index'? I prefer to characterize it more as a brand with good marketing. Not to take a way from the folks at S&P - but the S&P 500 was not always the baseline index for US large cap equities. >Are there other indexes that do the same thing at a cheaper price? Yes - MSCI (formerly a Morgan Stanley business) has a US Large Cap index product. The index that u/xiongchiamiov mentioned is a Fidelity US Large Cap index but I don't think that Fidelity will license it outside of their own products. FTSE/Russell also has a similar product called the Russell 1000 which is US large cap index. CRSP (center for research in security prices) also has a US large cap index called CRSP US Large Cap Index. I think some Vanguard funds use CRSP indices. >Does S&P own the methodology they use to select the companies, or just the name? An index provider owns the methodology and they decide on the index construction, rebalancing frequency, etc. See here - [https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf](https://www.spglobal.com/spdji/en/documents/methodologies/methodology-sp-us-indices.pdf) FTSE/Russell methology - [https://www.lseg.com/content/dam/ftse-russell/en\_us/documents/ground-rules/russell-us-indexes-construction-and-methodology.pdf](https://www.lseg.com/content/dam/ftse-russell/en_us/documents/ground-rules/russell-us-indexes-construction-and-methodology.pdf) CRSP Methodology - [https://www.crsp.org/indexes/crsp-market-indexes-methodology/](https://www.crsp.org/indexes/crsp-market-indexes-methodology/)

ThibSo

This has been my last two weeks. Buy Valneva stocks -> cases of Chikungunya vaccine related death destroys the confidence in their vaccine. Buy Total Energie stocks -> OPEP+ decides to increase oil production by quite a lot. Buy MSCI India ETF -> Pakistan-India conflict I'm starting to think I'm the one causing this x)

someonestolemycord

Switch to an alternate index. e.g. S&P to CRSP, MSCI, Bloomberg, etc. To use an example, an index is like Waze. If I am driving, and Waze goes out on my phone, the car does not crash, and I just switch to Google Maps to tell me the route to continue on.

_AscendedLemon_

Real talk: Next time divide your money into different portfolios: money you CAN'T loose into bonds, then majority just in some wide index (S&P 500/MSCI World or even ACWI), just a portion you can loose into options gambling... Sorry, but you probably aren't in this 2% that are above 0 trading options, especially 0DTE

Illustrious-Smoke509

The MSCI EMU index. I believe the EU can step up now the US doesn't want to deal with the rest of the world anymore. I see a lot of potential for the EU. This tracker doesn't include the UK and Switzerland, in other European trackers these countries make up the biggest part, but I believe the Brexit was a bad decision. I think countries like Germany and France especially will do good in the long-term, so I would rather have an ETF more concentrated in these countries and less in countries like the UK. What is the Economic and Monetary Union? [https://economy-finance.ec.europa.eu/economic-and-monetary-union/what-economic-and-monetary-union-emu_en](https://economy-finance.ec.europa.eu/economic-and-monetary-union/what-economic-and-monetary-union-emu_en) (Disclaimer: I am retarded and this isn't investment advice)

Significant_Willow_7

My positions aren’t static and held in several different brokerages. The largest is the federal TSP I fund, which mirrors the MSCI ACWI IMI ex USA ex China ex Hong Kong Index. My main brokerage account is in Vanguard Developed Markets Index (VTMGX) and Vanguard Total International Bond (BNDX). Individual holdings are limited to BRK.B, GLD, SLV, and some AAPL that I’d owe huge cap gains on if I sold.

SecretPhilosopher96

You can buy that and hedge with the JPM Premium Active Income ETF. You will end up with the MSCI World.

SecretPhilosopher96

We should put up a fund to pay for his retirement. 50% 5x Lev. MSCI USA and 50% Wendy’s.

Trashcan_Johnson

You have chatgpt yet? If not, get it. It's as easy as asking it "Japanese stock etfs". 1. iShares MSCI Japan ETF (EWJ) Issuer: BlackRock Benchmark: MSCI Japan Index Exposure: Large- and mid-cap Japanese companies Expense Ratio: 0.50% Liquidity: Very liquid and popular among U.S. investors 2. WisdomTree Japan Hedged Equity Fund (DXJ) Focus: Japanese equities while hedging against currency risk (JPY/USD) Good for: Investors concerned about the yen weakening against the dollar Expense Ratio: 0.48% 3. Franklin FTSE Japan ETF (FLJP) Low-Cost Option Expense Ratio: 0.09% Tracks: FTSE Japan Capped Index Appeals to: Cost-conscious investors 4. iShares JPX-Nikkei 400 ETF (JPXN) Benchmark: JPX-Nikkei 400 Index Focus: Quality Japanese companies based on return on equity, operating profit, etc. Expense Ratio: 0.48% 5. MAXIS Nikkei 225 ETF (Tokyo-listed, Ticker: 1346.T) For Japan-based investors Tracks: Nikkei 225 Index Currency: Yen-denominated, available on the Tokyo Stock Exchange

BizBerg

It's rated silver by Morningstar, which is really good. Has also outperformed its benchmark. Vanguard Target Retirement’s simplicity may be easy to overlook, but its straightforward, low-cost approach is a strength rather than a weakness. By focusing on broad diversification and minimal expenses, it helps investors stay on track for retirement. This target-date series reflects Vanguard’s deep-rooted investment philosophy. It invests primarily in four low-cost, broadly diversified index funds that provide efficient exposure to global stocks and bonds. Any adjustments to the glide path or asset allocation undergo rigorous evaluation by a committee of senior Vanguard investors with a long-term perspective. The committee’s high standards mean strategic changes are infrequent. For instance, the last significant adjustment came in 2015 when Vanguard increased the allocation to international stocks and bonds by 10 percentage points. The equity portion shifted to a 60% US and 40% international split, while bonds moved to a 70%/30% split. At the time, this equity allocation maintained a home bias of about 7 percentage points relative to the MSCI All Country World Index, a global stock benchmark. However, as US stocks have significantly outperformed international markets since then, the series’ strategic target to non-US stocks is about 5 percentage points higher than the global weighting as of February 2025. A reversal in relative performance for international stocks would be a tailwind for this series. Investors furthest from retirement start with a 90% stock and 10% bond allocation. This remains unchanged until 25 years before retirement, at which point stock exposure begins to decline, reaching 30% seven years after age 65. Five years before retirement, investors still hold 59% in stocks—5 percentage points above the norm—and at retirement, the stock allocation is 50%, 6 percentage points higher than the average peer. This relatively higher stock exposure near retirement makes the portfolio more susceptible to market downturns, which could be challenging for conservative investors. However, for most investors, this remains a compelling option for retirement savings.

Random_Alt_2947284

I'm taking a middle ground approach. I think volatily is too high to take a side, but I think the bottom isn't in. So I'm holding out til iShares MSCI world hits 80

IronyElSupremo

Stocks are risky but a typical investor takes out a lot of risk by buying a broad-based fund/ETF of multiple stocks (usually the S&P 500, Russell indices, FTSE, MSCI, etc..). Maybe an industry group gets hit with bad economic news, but usually other industries pick up the slack. Sometimes they all get hit (see last few months), but usually most go up at various paces.

DoubleSkew

Facts bears hate: >European stocks (EFA - MSCI EAFE) hit an all time high today 

Potemkin_Pillage

Given current market conditions, is their any likelihood that rebalancing could cause SPY to drop, if MSCI decided to withdraw from more US equities in favor of other assets?

Ok_Employment_192

So this is my portfolio plan (note that I'm european). I started investing one month ago and I am slowly DCAing. So I didn't deployed all my money yet and I can still do some changes. If you any advise/ feedback that would be greatly appreciated! 60%: Vanguard FTSE All-World ETF (VWCE) 15%: Amundi MSCI Semiconductors ETF (CHIP) 15%:  iShares Bitcoin ETP (IB1T) 10%: gambling on penny stocks for my own entertainment