MSCI

GaylrdFocker

It probably makes them more money in fees. Just handle the investing yourself. 70% C975 Fidelity 500 Index Fund / 30% 3553 iShares MSCI EAFE Intl Index Fund K is all you need.

Express-Minimum842

Hey guys. I started investing 2 months ago and I put like 30 euros in a pie of the magnificent seven (I am a guy that enjoys technology and related stuff, so I thought these would be easier for me to follow). As you mentioned in this post I also see people saying that the MAG 7 are probably just going down and stabilize at lower prices. I don't understand much of economy and investing (yet, I'll get there eventually). My question to you kind people of this sub is: as a new investor, that is thinking of long term, starting by putting money into the MAG7 at this moment is smart? (I have also in SP500, MSCI europe, SP500 InfoTech Sector and a pie with some ETFs on cloud computing and cybersecurity). Appreciate any insights you may give me! Cheers

pixelfudger

I am. Theyll be included in MSCI funds

rajas_

NBIS included in MSCI world index, The changes will take effect at the close on November 24.🥒🥒🥒

GabFromMars

Perhaps you could launch a DCA on 50% of your savings with a regular investment over 3 months (avoid market dips and bumps) and on 3/4 iShares Edge MSCI World Quality iShares Dow Jones Global Titans 50 ETF Xtrackers MSCI World Information Xtrackers MSCI Japan ETF (Acc) Then thematic ETFs NATO MSCI China TECH And then 2/3 equity lines with high potential and high volatility in the quantum sector (QBTS ionq ibm rigetti, etc.) via DCAs imperatively

Password-55

Sustainable ETFs in Europe and Asia (not perfect, but the closest I can choose in my pension scheme that avoids oil companies as much as possible). Swisscanto SPI Responsible UBS ETF MSCI EMU SRI Swisscanto Emerging Markets Responsible

riverpirate2

Inclusion inyo MSCI Nov 25th

Smugal

Just announced that NBIS will be included in the MSCI world index starting Nov. 24.

GringottsWizardBank

Bought the dip yesterday. The just got added to MSCI all world. Hopefully NASDAQ 100 coming soon.

PatientBaker7172

Nbis to the moon MSCI’s November index review adds CoreWeave $CRWV, Insmed $INSM and Nebius Group $NBIS to the MSCI World Index as three of the largest new inclusions, effective after the close on Nov 24.

Higher_Impression

MSCI world over meme stocks ;)

AICHEngineer

Yes. MSCI and FTSE classify different countries as emerging or developed economies and lump those with their respective indices. For example, FTSE considers South korea as developed, but MSCI considers it emerging. Same with Poland. Various factors decide whether these index formulators choose to sort you as developed, advanced emerging, early emerging, etc, but to answer your question yes theyre distinct in investing.

birbablu_dt

I think that maintaining the cap on the Share Core MSCI World is not a bad idea, perhaps by increasing the monthly quotas in periods of recession. I think it is a valid method of protection in the long term. The problem now is what to do with the shares already purchased which are falling...

ProffS

EWK appears to be iShares MSCI Belgium ETF (EWK). Very little Samsung exposure. I get my Samsung exposure through EWI....iShares MSCI South Korea ETF (EWY)

19mambo85

I’m sorry but this isn’t gonna do it. (1) You’re not building wealth by sitting around waiting for a headline that says “markets are down.” That’s hours of wasted time hoping for a crash instead of building a real plan. (2) “It’s down, so buy” isn’t a strategy — that’s guessing. Timing the market almost never works. (3) If you’re 20, the best move isn’t chasing dips — it’s building habits. Start by picking one diversified index ETF (like the S&P 500 or MSCI World) and automate a small monthly investment. Even €50–€100 a month adds up massively over time through compounding. You’re not trying to catch perfect entry points — you’re building consistency. Use low-fee brokers or apps like Trade Republic, Scalable, or Robinhood-style platforms to make recurring buys effortless. Keep your 10k emergency fund separate, stay debt-free, and let your investments quietly grow in the background while you focus on earning and learning. That’s how you actually win in your 20s.

ShadowBannedAugustus

I have a day off today and did some research again and came to the conclusion that it does not really matter if you are considering SP 500, all similar indices are heavily correlated, so you are basically picking your volatility (NASDAQ100 will have higher ups and downs, MSCI World lower). So pick your risk appetite (usually longer term investors -> more appetite) and then just find the ETF with lowest TER.

fec2455

MSCI is up 30% YoY but then you zoom out and see it's down 15% over the last 5 years.

norbie

Reduced my exposure to USA (was holding a global tracker MSCI World), now it’s 50/50 with MSCI World ex USA which brings my USA exposure down to 37%. Things getting waaaay too toppy over there IMO.

Consistent-Hat-8008

Correcting for devaluation of the dollar, MSCI ACWI ex USA is where it was in Q3 2021.

Sage_of_spice

Interesting. My INT is down 4% abouts from my US and 6% from my CAN. Is that just the difference between FTSE and MSCI?

Stephen_1984

Similar fees. iShares MSCI Global Semiconductors lacks China exposure and pays a higher dividend on a quarterly basis. VanEck Semiconductor ETF pays an annual dividend and has China exposure. My preference is to avoid funds holding Chinese stocks, but I'm an American. USA version of SEC0 is SOXX. SMH has outperformed SOXX since late 2023.

Deathlezer

ah thats why i didnt have any result, im from europe, i think this is the equivalent for me Amundi MSCI World Ex USA UCITS ETF Acc

Deathlezer

Thank you! Vxus is exactly what i need i thing. any recommendation? MSCI, vanguard..

Aelythea

Multiple MSCI World indexes, just like last month... and the month before... and the month before etc.

ExpressCap1302

MSCI World Quality factor does no include Tasla. Maybe this alternative can help you sleep better at night? Also might want to look into MSCI World Value factor.

elpresidentedeljunta

The performance comparison of my bank for the MSCI World vs. my own portfolio doesn´t work properly, because somewhere at the beginning of a year the MSCI shows a massive spike. I am pretty sure this is exactly what happened there. Where humans work, humans make mistakes. And even four eyes work only as well as the guys they belong to.

Mike8456

One could DCA/invest again when the bottom seems to have been reached and pause while it might still go down more. Buy the dip on various time frames so to say. Besides that many automatically invest with "saving plans". A lot of investment advice is like "Just pick MSCI World or some other diversified ETF or mix of several and set up your broker to automatically invest like 500$/€/... each month". My mother did that and automatically bought some relatively cheap during the April dip and made more profit than I did with my sector and leveraged ETF, normal stock and CFD trading at that time while investing probably less than 0.1% of the time into it than I did. Many might not even hear about the market going down a lot while continuously investing. Now I found a so far well working dip buying swing trading strategy with medium leveraged call warrants on the Nasdaq 100, some of those are like ITM LEAPS options and some of them are like a 5x ETF but cheaper to trade then an actual ETF ("factor warrants"?). I made more money in two weeks than in all my stock trading before that and probably more than my mother did with her semi small automatic DCA into an MSCI World ETF but I might have been lucky with a semi strong bull market. I have exit and entry strategies and only invest a small part of my money to have cash for dip buying and less risk. Most of my money is currently just collecting interest which makes it save from crashes.

Beta_Nerdy

The ETF that follows the European Stock Market (EFA) is **up 25.93%** this year. (Europe is not dying!) [iShares MSCI EAFE ETF (EFA) Performance History - Yahoo Finance](https://finance.yahoo.com/quote/EFA/performance/)

UGeNMhzN001

Yeah, hedging Big Tech through inverse ETFs sounds good in theory, but they’re supr risky long-term and can eat your gains if timing’s off, even a little. Have you checkd how much Big Tech you’re actually holding through MSCI World? Might be cleaner to reduce exposure directly instad of trying to outsmart it with a hedge.

Hungry-Storage6789

there are two i am looking at, atm, could i please ask your opinion on them? 1. Mackenzie emerging markets fund series A 2. Kranshares MSCI (clean tech)

DeeDee_Z

Buy a Developed Markets ex-US fund, or an Emerging Markets fund, or MSCI's Europe-Asia-FarEast ("EFA") fund, or a Frontier Markets fund, or any of a hundred others. Now, if you're talking **individual** companies, that's different -- but many such have US-listed ADRs/ADSs, especially if they want to make it easier for US-based investors.

the_pwnererXx

You're going to be saying the same thing about the spy in 15 years, while ex us grows >International stocks outperformed US stocks during several extended periods: the late 1970s, the mid to late 1980s, and most notably from 2002 through 2007. >The 2001-2010 period was particularly strong for international markets, with the MSCI ACWI ex-US index delivering a cumulative return of 71.5% compared to just 15% for the S&P 500.

Fickle-You-5101

[iShares MSCI Europe Industrials Sector UCITS ETF](https://www.google.com/url?sa=i&source=web&rct=j&url=https://www.justetf.com/en-be/etf-profile.html?isin%3DIE00BMW42520&ved=2ahUKEwi21omptKSQAxWx3AIHHQ7FCqkQy_kOegQIARAB&opi=89978449&cd&psig=AOvVaw2jkZDywNsHDW3L77hX17v_&ust=1760555999808000) It has defensive stcoks, but also industrials like siemens and sneider.

Fickle-You-5101

European industry etf, MSCI : Holdings: || || |[Siemens AG](https://www.justetf.com/en/stock-profiles/DE0007236101)|8.68% | |[Schneider Electric SE](https://www.justetf.com/en/stock-profiles/FR0000121972)|5.56% | |[Airbus SE](https://www.justetf.com/en/stock-profiles/NL0000235190)|5.14% | |[Rolls-Royce Holdings](https://www.justetf.com/en/stock-profiles/GB00B63H8491)|5.04% | |[Safran SA](https://www.justetf.com/en/stock-profiles/FR0000073272)|4.95% | |[ABB Ltd.](https://www.justetf.com/en/stock-profiles/CH0012221716)|4.34% | |[Rheinmetall AG](https://www.justetf.com/en/stock-profiles/DE0007030009)|3.75% | |[RELX](https://www.justetf.com/en/stock-profiles/GB00B2B0DG97)|3.53% | |[Siemens Energy AG](https://www.justetf.com/en/stock-profiles/DE000ENER6Y0)|2.98% | |[BAE Systems](https://www.justetf.com/en/stock-profiles/GB0002634946)|

Any-Assignment1771

European (Belgium), 21yo, EURO 30k saved. I've done quite a bit of research on ETFs and the stock market, and I've come to the conclusion that I should build this portfolio, with the proposed allocation. I plan to invest $20k to $25k, with the following allocation: iShares Core MSCI World UCITS ETF (Acc) 45% iShares Core S&P500 UCITS ETF (Acc) 20% iShares NASDAQ 100 UCITS ETF (Acc) 25% iShares Core MSCI EM IMI UCITS ETF (Acc) 10% All cumulative for tax reasons (Belgium) First of all, I was wondering: 1) Do you think this is a good allocation, or should I change something? I am young, but I have a medium- to long-term horizon. I tried to think about how to allocate this using a semi-aggressive strategy. 2) Is it profitable to invest in emerging market ETFs? Even 10%? I am not sure about my objective. Note: I plan to diversify my ETFs by investing in defense, China, and AI. This is just to get started and build a foundation. I also plan to DCA at EURO 1,000/month.

tcreo

MSCI World Health Care index etfs

fliesenschieber

Time to be thankful for what incredible luck was given to you in your life and put $1.5M in an MSCI World ETF. Then make a plan on how to live with the proceeds of that (7% = 100k/year). You will be FREE for the rest of your life! Throwing this opportunity away will make you hate yourself and your life for the rest of your life. Think about that.

Linus_Naumann

"responsibly allocated" for many means "MSCI World", which is literally 75% or so US, further dominated by US-Tech. So if US has long-term strategic problems their retirement plans might not work as expected

Altruistic_Base_9177

Hi everyone, I’m 25 and based in Finland. I started investing earlier this year, but so far with small amounts. Now I’m planning to invest more actively — around 250–350 € monthly, and I also have a 4,000 € lump sum that I want to invest at once. My investment horizon is long-term (10+ years), and I’m not interested in trading or speculation — I just want steady growth through ETFs and index funds. My risk tolerance is relatively high, so I’m currently thinking of having (almost) 100% in equities. Still, I’m open to opinions on whether it would make sense to add ~5% in bonds/commodities just for stability. Here’s the portfolio structure I’m considering now: • 60% – Global developed markets ETF (for example, MSCI World, mostly US exposure) • 20% – Emerging markets ETF • 15% – Europe ETF (since Europe is underrepresented in global indexes) • 5–10% – Sector ETFs (AI, robotics, automation, energy storage, etc.) I know it might be simpler to just buy one world ETF and stick to it, but I’m genuinely interested in learning and following different sectors — so I’d like to have a bit of that “tilt”. What do you think of this allocation? Would you add bonds or commodities at all? And how do you see sector ETFs for a beginner who still wants to learn and diversify?

r2k-in-the-vortex

Japan MSCI is up 20% since I bought this year, can't complain too much.

baIIern

You still didn't understand it. The MSCI World would be at 298k right now

Fapados

You're looking for equal weight ETFs. RSP is S&P 500 equal weight, EUSA is MSCI USA equal weight. Though I wouldn't recommend them, as they're pretty underwhelming.

zentraderx

MSCI World raised \~10% from 2014 to 2017, 40% with an Asia ETF. DCA only makes sense if you have metals, crypto, real estate in the mix.

LuckyLuukG

I had the same thing and lost literally 90% of it within 3 weeks. Buy MSCI world or just the S&P and call it a day. You will lose at some point.

LosReason

I am in this boat. Looking at the buffet indicator... I think you can push back on the timing market people.... We have a tried and true indicator that is screaming the market is out of balance. First ones in are geniuses last one in are suckers. I am thinking of rebalances my portfolio (too risky now) with... Blue Chip IT, Utilities, and MSCI Ex US.... Looking for other options or opinions on why this is a bad idea.

LosReason

I am trying to de-risk my portfolio. Had a lot of high flyers that doubled or tripled. Looking at the US Market Cap to GDP... unless the US has unreal growth, this appears unsustainable, IMO. Looking to pivot into stocks that will not crater and can withstand a recession. (that also have catalysts) Blue Chip IT, Utility (Bitcoin/AI power usage), I put some in a MSCI ex US.... what other options are there?

madhattr999

* 28.96% XEF.TO, iSh Core MSCI EAFE IMI Idx ETF * 23.46% XIC.TO, iShrs Core S&P/TSX CC Idx ETF * 11.82% HXT.TO, GlobalX S&P/TSX 60 Idx Crp * 9.75% ZEM.TO, BMO MSCI Emerging Mkts Idx ETF * 9.10% VDC, Vanguard Cnsmr Stp;ETF * 7.49% BRK.B, BERKSHIRE HATHAWAY INC. * 5.12% ZAG.TO, BMO Aggregate Bond Index ETF * 4.04% IAUM, iShares Gold Trust Micro Any suggestions for further diversification? I would like to reduce my Canadian exposure a bit since when the US markets finally crash, it will take Canadian markets down with it. I'm about 40% Canadian, 30% Developed Non-NA, 16% American (Defensive), 10% Emerging Markets, 4% Gold, currently.

Section82

MSCI is a major index provider. MSCI ex-us is a shorthand way of writing MSCI World ex-USA Index. OP’s suggestion here is to add a position that tracks all stocks except the US, thus balancing some of your exposure

MotherLoveBone27

MSCI?

BuySellHoldFinance

In addition, the vast majority of the currency discrepancy is from the dollar strengthening after Trump was elected, but reverting back to the mean when his trade policies were announced. If you look at the 1 year chart vs ytd, the performance between VOO and MSCI ex US is pretty similar.

chopsui101

you can look at how MSCI ex US is preforming across currencies and you can see most of the "growth" is not from the world out preforming the US but the US currencies falling back towards the mean. The USD has out preformed the world last 5 years, and this year its reverting back towards the mean.

TheCapitalMentor

DON'T abandon US exposure (innovation and liquidity are still unmatched), but balance it, sure. A tilt toward international, especially developed Europe and parts of Asia, makes sense here, and MSCI ex-US is a straightforward way to capture that shift without trying to stock-pick globally

No_Mechanic_5990

Isn’t this just because the dollar currency rate dropped 10 % earlier this year? If you compare the MSCI indices in USD, the ex-US will show a rise, but if you were to see the same index or an etf with the same stocks, measured in Euro, that index would indicate a slower rise due to the sliding USD currency rate. The currency rate probably won’t keep dropping, so I don’t see this a big thing.

Prudent-Corgi3793

I’m 50% US, 35% developed (MSCI), and 15% emerging.

Wise-Application-144

Long concrete, copper and timber. Short the other 2506 things in the MSCI, as they're apparently going to zero.

JollyMolly817

Gold > Overpriced now, not the moment to buy, not even DCA in my view. Wait for drop in a few years. Bonds > Not unless you have a big sum and are okay with very low returns (not at your age!). Crypto > Yes to Bitcoin, it's a brilliant asset. Buy a bit every month, but don't go overboard. HODL. Stocks > Yes BUT only if you understand the risks/companies/markets (or are willing to learn) and are willing to spend some time every month tracking and researching (AI is brilliant for that bit). ETFs > Definitely yes for you. Good returns and reduced risk. Great investing tool for beginners. Start with MSCI World. Avoid thematic ETFs unless you know the sector exceptionally well.

veldmaarschalkje

Hi, thanks for your thoughtful response. I like the way you explained and break it down. I like your points on ASML/Microsoft being monopoly, and Alphabet’s future bets. You’re right about Alibaba and the dividend tax too I’ll keep that in mind. I actually switched out of the S&P and made MSCI World my core, then added a few individual stocks I really believe in for the long term yknw. But for now I think this will be fine for now, while still learning

veldmaarschalkje

Hello Vladan, thanks for reaching out! I actually rebalanced my portfolio yesterday and made some changes based on similar feedback and research. I decided to keep MSCI World as my core and trimmed things down a bit. Appreciate your opinion and advice men

Glad-Background7015

Start with smaller amount in MSCI World and if it goes down more and more increase your stake a little :)

drakehtar

Hey guys, 24M here. Started investing around 6 months ago, and would like to see if you could shed some light over my asset choices and whether you would change something or leave as it is. First the questions: * How old are you? What country do you live in? - 24M, Spain * Are you employed/making income? How much? - Yes. Around 25k/y, will probably go up to 30-32 by the end of the year. * What are your objectives with this money? (Buy a house? Retirement savings?) - Honestly there's not a clear goal in mind, I want to eventually own a house of course but I don't really have a timeframe for it as I don't really know whether I will stay where I am or move out. * What is your time horizon? Do you need this money next month? Next 20yrs? - 10yr+, probably way longer. * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) - As long as it's not memecoins I'm fine with it. * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) - Around 15k currently. More on the portfolio below * Any big debts (include interest rate) or expenses? - No * And any other relevant financial information will be useful to give you a proper answer. - I'm saving around 1k-1.3k each month approximately (living with my parents). So, currently my portfolio looks something like this: * MSCI World → **60.0 %** * Emerging Markets → **15.0 %** * Global Small Cap → **8.0 %** * Pictet China → **5.0 %** * Bitcoin → **7.0 %** * Gold → **5.0 %** As I said above would love to get your thoughts on this and whether I should change my plan or if it's good as is. Thanks!

AnElectricfEel

oh I thought you were talking about MSCI World. Yeah I agree, I am staying as far away as snp500 as possible, I've been all in on gold/silver and their miners, just a personal bet.

neonam11

I looked at the expense ratios for your ETFS: Vanguard S&P 500 Acc UCITS ETF ~ 0.07 % SPDR MSCI All Country World (Acc) UCITS ETF~0.12 % Xtrackers AI & Big Data UCITS ETF~ 0.35 % Amundi MSCI Robotics & AI UCITS ETF~ 0.40 Everything except Vanguard ETF seems pretty high? I don’t know if there are European equivalents that perform just as well but cheaper? Also pick a brokerage firm that will allow you to buy fractional shares. Most importantly, be consistent with the investing. Invest when it’s going down, invest when it’s going up. A Morningstar article just reinforced the fact that if you are patient and stayed in the market, the market eventually recovers, and you will make more than you invested. I wished I had started ad early as you. Good luck!

kalterik

Yes. YTD the MSCI ACWI ex US is up 25% to the S&P’s 14%. The MSCI EM index is up 27% YYD after the recent china tech rally.

Pr0T4T0

This is not a sprint, it‘s a marathon. Go find an ETF you like and keep the money there (S&P500, MSCI Climate Change, MSCI World) especially if you‘ve just started saving. You can obviously gamble your money away, but that‘s foolish. With experience and knowledge under your belt you can eventually move on to single stocks, but I‘d only ever trade options if you have all day to monitor it and you can afford to lose it all

strolls

> 33% of the S&P index is mag 7 s 20% of the world index. You might argue that that's not much better, but the world index should be your comparator. You wouldn't sell your Amazon and invest the money in the S&P 500 (if you had any sense of caution), you would sell it and invest in the MSCI ACWI.

blorg

iShares Core MSCI World UCITS ETF is already diversified, you don't need to diversify into more ETFs and it doesn't get you anything. It already contains the entire S&P500 at market weight. Buying a S&P500 ETF on top actually reduces your diversification as it's a tilt to US large cap. This isn't necessarily wrong, you just need to understand it isn't diversifying you. ETFs hold hundreds or thousands of companies. S&P500 ETF holds 500 US large cap companies. iShares Core MSCI World holds 1,323 companies, *including* those 500- plus more. So you have all of the S&P500 already in that ETF, and if you buy more you have what's called "overlap" which is concentrating your holding in US large cap. If you wanted to diversify, while still in equities, you would be better off adding an emerging markets ETF like [iShares Core MSCI Emerging Markets IMI UCITS ETF](https://www.justetf.com/en/etf-profile.html?isin=IE00BKM4GZ66) (at market weight- so no more than 10%) as that specific iShares ETF is developed markets only. This gives you an additional 3,044 companies that *aren't* already in the developed markets ETF. Alternately, and it would be my preference, you could buy an "All World" ETF like [Vanguard FTSE All-World UCITS ETF](https://www.justetf.com/en/etf-profile.html?isin=IE00BK5BQT80) (3,592 holdings) or [iShares MSCI ACWI UCITS ETF](https://www.justetf.com/en/etf-profile.html?isin=IE00B6R52259) (2,318 holdings). Note all of these are 100% equity and that's risky. Much less risky than holding single stocks, but you could have as much as a 40-50% drop easy in a crash, so you need to be prepared for that and accept it could happen. Diversification beyond equities would involve bond funds but I don't feel you really need this at age 30, particularly not if you also have two properties and the equity portion of your overall net worth is only 30-40%. On average, over the long run, equities have better performance. But you really need ask do you accept a possible drop of 40-50%. Accepting that *risk* is what gets you the long-term average returns of 7-10%, rather than the 2% you are getting now (with capital 100% protected).

Objective-Toe-6452

Thank you for your reply, I have the option to buy iShares Core MSCI World UCITS ETF, and our version of s&p too. Isn't it better to diversify a little bit? Not just to put all in "one" ETF.

Objective-Toe-6452

Want to take it basic, looked to MSCI World and S&P 500, something with low risk, don't need some skyhigh returns, just to put money somewhere. Thinking about: 50k - to world 30k - s&p 500 10k - something riskier 10k - to some basic tech stocks like google

kenseyx

I never invested in single country EM REITs but I wonder if the change also affects MSCI World allocation represented by ETFs like VNQI/HAUZ? According to VNQIs prospectus India is already 3.5% of its holdings. I assume, the previous restrictions did not affect these institutional holders?

julick

I don't think you are using it right. I need to dust off my theory of finance so i might be off, but let me see if i can get you to rethink your frame. First, do you calculate the beta of Turkey with S&P500 as reference? If yes, then that is not the way to do it. You have to use the appropriate reference, because S&P moves differently than Turkey. In your case Turkey should be referenced to something like iShares MSCI World Index or some sort of emerging markets. There are obviously many risks with Turkey, one of the biggest being currency, for which investors require a premium. And this is where i hit the limit of theoretical finance. Check this link and maybe you'll find something useful [pages.stern.nyu.edu/\~adamodar/New\_Home\_Page/datafile/ctryprem.html](https://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/ctryprem.html). See how the equity risk premium of Turkey is more than double that of the USA.

joe-re

Looking at the numbers: Nasdaq 100 has a PE of 34, SP500 of 28, MSCI of 24. PE 34 alone is staggering. Earnings yield is below 3% (compared to a t-bond short term yield of 4.4% -- not quite comparable, but still...) So Nasdaq requires signicantly more growth to justify its price. Volatility-wise, Nasdaq has 1.11, so again higher than SP500. But it makes up with a better Sharpe ratio, so the additional risk is well deserved. Does anybody still care about the numbers, or are we post fundamentals? Still, in a downturn, it would get hit harder.

GhostSierra117

On that regard. 10k in the MSCI world, also 25 years ago, is 40k today. https://curvo.eu/backtest/en/portfolio/iwda--NoIgkg6gIggiA0xRgKIAY0CEAsAZArAJoCcAHAMwICMAunUA?config=%7B%22periodStart%22%3A%222000-01%22%7D

Lywqf

I would rather put 80 to 90% of that into an index like SPY or MSCI World but that's just me :D

tired_ani

What are people buying if anything today? They are not steals by any measure but I see MSCI, SPGI down 4 % each, Visa in my watchlist lagging. Might start V and top up MSCI. Everything else in my holding and watchlist greeeen.

BBpigeon

MSCI has been reading like a stock 😮‍💨

IceyFoxes

any of yall invest in MSCI, SPGI or FICO?

Prudent-Corgi3793

BABA nearly doubled in the past year. MSCI China IMI Index up 64% over the last year. And in this case, it’s not because of a weakening USD. In fact, the USD/CNY is very slightly up over the last year.

Pepeshpe

I've gotten BABA, BIDU, PDD, GDS, Beigene, Autohome in my wallet and I have very high expectations for each single one of these stocks. I also have Chinext and MSCI China A50 ETFs and they've been performing greatly so far. China is bound to soon reach their 2020 stock levels, and go way beyond that. The PCCh has already stated they want their markets to be a favorable environment for investors and I'm buying that.

DuePomegranate

The US is 60+% of the total by market cap. VT is 63.4% US. https://investor.vanguard.com/investment-products/etfs/profile/vt MSCI ACWI is 64.6% US. https://www.msci.com/documents/10199/8d97d244-4685-4200-a24c-3e2942e3adeb

vexingparse

Some random thoughts: You have no exposure to emerging markets where most of the world's population lives. You appear to be 100% invested in stocks. No other asset classes. No cash(?). You own very few big companies from outside the US. No ASML, TSMC, BYD or Samsung for instance, even though you are heavily betting on tech. You don't even own any big US companies unless they happen to be listed on the NASDAQ. So no Visa, JPMorgan, WalMart or Oracle. Why has big tech outperfomed for so long? Why have small caps underperformed for so long? You are expecting the former to continue but the latter to change. Why? What are the factors you had in mind when you made that decision? I'm not saying you're wrong. I just find it notable because you said this was your long term allocation. If you want to be more diversified (at least in terms of stocks) you could take a look at the SPDR MSCI All Country World Investable Market UCITS ETF (Acc) ETF: IE00B3YLTY66 I'm very undecided what to do right now. The world seems to be changing rapidly and I have no idea what the outcome will be. I'm instinctively holding more interest paying cash equivalents but maybe this is exactly the wrong thing to do. No idea.

O_Hello_There_MR

Hey everyone, I’m 20, live in the Netherlands, and just getting serious about long-term investing. I’d love your thoughts on my portfolio and whether I should tweak anything. Here’s what I’m currently planning to build: * 50% Vanguard FTSE All-World UCITS ETF (Acc) – VWCE * 20% iShares MSCI World Small Cap UCITS ETF (Acc) – IUSN * 10% iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc) – EMIM * 15% Individual Stocks (currently ASML, NN Group, Shell) * 5% Crypto (100% BTC for now) What I like: Global diversification (All-World + Small Caps + EM). Accumulating ETFs. Still some room for fun/stock-picking. My doubts: * IUSN has a “high” TER (0.35%) compared to VWCE. Is it worth keeping such a big chunk in small caps? * Emerging markets: should I stick with EMIM or use something like EUNM / VFEM instead? * Individual stocks at 15%: too risky or fine at my age?

Chari7

It‘s a bet that large US companies and international small caps perform better than the entire stock market. For me personally it‘s too concentrated in US and especially big tech. You could sell the nasdaq and add a All World ETF as a core or add a MSCI World ex USA for better diversification.

j700070

Hey, good thing you’re thinking long-term and skipping the get-rich-quick stuff; that’s already better than most. I’d recommend a few general things related to investing that might be handy if you’re new to this: 1. **Before investing anything**, keep **3–6 months of expenses (emergency fund)** in a high-yield savings account or a money-market fund. Investing without this usually leads to being emotionally unstable when the market moves, and risks forcing you to sell at a loss during the worst moments. 2. **If you’re asking about assets**, I’d suggest starting with **low-cost index funds**. They’re popular, so you’ll find plenty of info about them. But there’s a catch; don’t forget that if you invest, for example, in the S&P 500, you’re still taking on risk and making a bet (on the U.S. economy over the next several years in this case). So only invest money there that you can leave untouched for **5+ years**. 3. **Watch for overlap** between your assets. A lot of people hold S&P 500 + MSCI World, or S&P 500 + Nasdaq, but these have a huge overlap. That’s not true diversification if the underlying assets are mostly the same. Other than that, just be patient and don’t get swayed by people making crazy money around you or by pessimistic market news. Just contribute a small portion monthly and live your life. Honestly, under 100k, the best thing you can do is focus on earning more money rather than trying to squeeze out maximum returns. Hope this helps!

Veltronic1112

Hey, can you take a look at my portfolio and tell me if it looks too complicated / unbalanced? Current ETF allocation: * Core MSCI EM IMI – 12% * Physical Gold – 5% * Nasdaq 100 – 32% * MSCI ACWI – 51% I’m a bit worried about being too heavy on Nasdaq (AI bubble fears). I’m thinking of cutting it down from 32% to around 20%, but I’m not sure where to put the extra. Should I increase MSCI EM IMI or just add more to ACWI? Or should i cut it down even lower ? Any advices? What would you do?

Ok_Possession_9247

For me personally VOO and QQQM long term total market/tech exposure Individual stocks ASML GOOG AMZN BYDDY AMD Watchlist SPGI CRM MSCI

1UpUrBum

SPGI ICE CME NDAQ MSCI They make money off volume.

Prudent-Corgi3793

To the extent US exceptionalism exists, it's been driven by tech exceptionalism. There has been a 15-year period of US outperformance over international (when we would expect them to be even if markets were efficient), US growth over value (when academics expect the opposite), and US large cap over small cap (again, contrary to expectations). All of these can be explained by the tech bull run. What if you looked at just the MSCI USA Value Index, MSCI World ex USA Value Index ("developed ex-US"), and MSCI Emerging Value Index? Since Jan 1999, gross returns (including dividends), in USD-denominated terms: - MSCI USA Value Index: +493.16% - MSCI World ex USA Value Index: +441.61% - MSCI Emerging Value Index: +890.64% I think the AI-driven bull market still has room to run, but at some point, this will come to an end. After that, I'm not convinced that the factors that have driven US exceptionalism will continue to endure. Even if the rest of the world is "not exceptional", valuation mean reversion also works in their favor. By taking a larger position in international over US, and specifically international small cap/value, I can tech/large cap value in my US position. Happy to pay rich multiples for wonderful companies like Google and Nvidia that are growing quickly that don't exist anywhere else in the world. Not happy to pay high multiples for "boomer companies" that the rest of the world has at much cheaper evaluations. (And definitely have no interest in participating in the meme stock bubble or the crypto scams that seem unique to the US equities market.)

weasler7

Although I think the USD will continue to be devalued, I don't think the effect is of that high a magnitude. A more apt comparison would be between EZU (MSCI Eurozone ETF, 15.6% YTD) and HEZU (Currency hedged MSCI eurozone ETF, ~29% YTD).

ensui67

2: US large cap (Nasdaq, S&P 500) and small cap equities aren’t just superior to rest of world stocks when it comes to longer-run returns, but also in their ability to make money most of the time over multiyear periods. Since 2010, the Nasdaq Comp’s 3-year rolling returns have been positive 94 pct of the time, followed by 90 and 85 pct for the S&P 500 and Russell 2000. By contrast, MSCI EAFE and MSCI Emerging Market’s win rates are only 65 and 51 pct over the same timeframe. US equities have simply been much more resilient in the face of a slew of exogenous shocks over the last +15 years. From Datatrek. They go far more into detail but too long to copy paste.

TallIndependent2037

Look at something like XXTW Xtrackers MSCI World Information Technology UCITS ETF or TECW SPDR MSCI World Technology UCITS ETF.

Quotama4

The US stocks have outperformed in dollar value only. I mean all US folks are saying they see crazy gains. An example QQQ 12.9% YTD in dollars. In my brockerage account I can buy EQQQ ( denominated in EURO ) which is -2.39% YTD so negative. Both ETFs hold exactly the same stocks in the same relative percentages. This year inflation is about 2.2% meaning I am actually closer to netting negative 4% in spendable Euros by just buying QQQ ( it doesnt matter if its in dollar or euros value is the same ) My MSCI Europe ETF in EURO is +10.69% YTD but is a much smaller percentage of my holdings. If you held this in dollar it would be +25.33%. Meaning you could have made more money if you bought this as US national than buying QQQ in the US this year. So either US stocks didn't gain any value in EURO meaning in reality the US stocks are pretty much the same price they were December last year. And the incredible bull run people talk about here may not exist. Or people value EURO more than dollar at the moment. Since earnings have clearly increased by a lot, value of the stocks should be higher even in EURO, but the fact is it isn't! That is how bad the dollar seems to be perceived globally right now. ( mostly driven by the bond market, which isnt the stock market ) The inverse is also the case. When in some future year US stocks market remains flat but somehow currency rate goes back to 1.05:-1.10 because of rate cuts in Europe. I suddenly get my 10% increase in euros in EQQQ. So on the long run it may not matter as much. But on the short term the exchange rate change has outpaced the stock gains. So the risk is there depending on when you need the money. If its far into the future it may not matter as much, if you are close to the moment you need this money it matters a lot. Without buying any EU stocks I would be down even more in EURO value this year. At least buying EU stocks doesn't expose you to this rapid change of exchange rates. While they really do outperform inflation pretty much all the time. Btw the PE valuations aren't nearly as crazy in the EU markets ( for obvious reasons )

SouthernFinding2593

At least the MSCI Turkey has done better in the last years than the US market.

turtlerunner99

As an American, I can buy many European companies through stock and ETFs. To buy shares on a European exchange in Euro gets involved. I have to buy the Euros, but my broker won't pay interest on them while they sit as cash. Then I buy DB or something and get paid dividends in Euro. I can buy fractional US shares, but I don't think I can do this for European stocks.I'm not sure how I can get the Euro to spend on a trip to the EU. I haven't done that. There seem to be a lot of transaction costs including extra European government taxes to this approach. Maybe I need a different stock broker. The people at r/Bogleheads advocate international investing through index funds. The S&P500 is up 11% in dollar terms, but IEUR (MSCI European Index Fund) is up 24% in dollar terms. In short, it is more complicated. Many people don't want to take on exchange rate risk. It is hard to get and understand information on stocks that don't trade in the US, and there's a language barrier.

Other_Ingenuity_6093

I found an ETF I want to start investing in - to diversity a bit from the US - D5BH - Xtrackers MSCI Canada Screened UCITS ETF 1C 1C. Do some research on it's holdings. They're the largest and most liquid Canadian stocks. It's up 21% in the last year and 101% in the last 5 years. I'd say that's pretty good.

crmb266

The MSCI World is very similar to the FTSE All-World, but it only includes developed markets. In practice, the performance is very close, since emerging markets represent only a small share. In my country, the World ETFs available in tax-advantaged savings accounts usually track the MSCI index, so people tend to choose those.

FeelTheKetasy

Thanks for the advice! Do you think that MSCI is a better choice than investing in a global EFT?

FeelTheKetasy

Thanks for the advice. Would a global EFT be better than an EFT that only focuses on developed markets like MSCI?

crmb266

One of the most popular ETF choice are the ones tracking the "MSCI World" index

Quotama4

I have two Turkish friends and they just invest in the US or Worldwide ETFs / stocks basically you cannot hold any cash in LIRA except what you need for daily life. Gold, crypto all pretty popular there too. You have etfs tracking the MSCI turkey index, but if you look at those you made -15% in the last year. Only touch individual stocks there if you truly understand their market. I wouldnt bother researching, seems a recipe for loosing money.

chopsui101

GS, NDAQ, SPGI, MSCI, IBKR, SCHW......something alone those lines.