MSCI

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.

mod_cat

A months or two ago I was looking at something similar in the USA and several sites listed the wrong data for a fund. I suspect you may be seeing a similar thing, web site confusing two funds... It seems like websites should be able to avoid that but if they are sloppy they can list the wrong details (and likely this is just a lame error not an AI error - for those people that think only AI "results" are at risk for errors). In my case they were displaying data for a fund with the same symbol but from the wrong market (and it was several of the most popular sites doing this). Here is the MSCI Emerging Frontier Markets Africa Index https://www.msci.com/documents/10199/cc4ed867-5966-49c8-8c71-859ae59f936c It is a bit odd because Naspers is 15% of the index. Naspers is really mainly Tencent (Naspers, based in South Africa) invested very early in Tencent (33% of the company) and made over a hundred billion $ of that investment). "The MSCI EFM Africa Top 50 Capped Index is a custom index based on its parent index, MSCI EFM Africa Index. The index incorporates Size and Liquidity filters, and then sequential country and 10/40 capping are applied. " https://www.msci.com/indexes/index/700211 It reduces Naspers weight to 6%. I suspect the fund you are seeking may well be based on one of those 2 indexes.

Cruian

>the international only ever outperform once i a while, never in an investors career of 30-40 years This is wrong. * Ex-US has turns of exceptional out performance as well: https://awealthofcommonsense.com/2023/05/the-case-for-international-diversification/ and https://www.blackrock.com/us/financial-professionals/literature/investor-education/why-bother-with-international-stocks.pdf (PDF) * Of rolling 10 year periods since 1970, EAFE (developed ex-US) has beat the S&P 500 over 40% of the time: https://www.tweedyfunds.com/wp-content/uploads/sites/10/2024/10/Dichotomy-Btwn-US-and-Non-US-Sep2024-Fund.pdf (PDF warning) - That's not too far off from a coin flip. * PWL using Morningstar Data for decades back to 1950: https://pbs.twimg.com/media/GGJxJPsWsAAxy9c?format=png - 5 of the last 7 "full decades" (as measured xxx0-xxx9) had international beat the US, 4 of them were in a row (1950-1989) >international mean is 5-6%, US mean is 10%. It all depends on what time range we look at. Dimensional Returns Matrix 2024 Edition: https://static1.squarespace.com/static/5a29de13e5dd5b5fb7021e6c/t/66885d8583a39a60cdb7e08c/1720212873503/matrix-book-2024-us.pdf (PDF warning) - MSCI World ex USA Index shows a 9.1% CAGR between 1970 and 2023, far higher than your 5-6%.

harrison_wintergreen

>Keep hearing all this talk about "the great value rotation is finally here" but honestly not sure if I'm buying it yet. it's already happened. you missed it. value indexes beat growth indexes, Q3 2020 to Q4 2023, for the S&P 500, MSCI EAFE, and MSCI World indexes. https://www.tweedyfunds.com/wp-content/uploads/sites/10/2024/03/Revenge-of-the-Nerds.pdf >levels that make traditional value metrics seem irrelevant. famous last words. they said the same thing in the go-go Nifty 50 era of the 1960s, and in the dot com bubble. valuation is irrelevant, until it's the most critical thing with investing. https://realinvestmentadvice.com/resources/blog/market-valuations-dont-matter-until-they-do/

greytoc

u/Jascosa \- also currently - VOO and any S&P 500 tracking fund has about a 2% exposure to real estate. For most investors - that's a reasonable allocation. And for anyone that uses a fund that tracks a global index like MSCI World Index - those funds also have about a 2% global real estate exposure.

Relevant_Pepper7

. I repeat the S&P underperform the MSCI world, means every market shows better returns than the US so no Europoors do not know the US market is the best investment because its not.

TheIncredibleHodl

It’s due to their inclusion in MSCI index, effective today. Basically forced the funds to buy SoFi at the target weight - AKA bullish

TheIncredibleHodl

SoFi was added to MSCI Index effective today. There was a $38M volume spike right at closing.. look into it 🙏🏻😎

welland_good

The end of day pop was due to MSCI index rebalancing. Happens once quarterly. Next date will be November 24th. Pop generally happens 3-4pm the day before the effective date, but can vary: Today’s: https://www.msci.com/downloads/documents/press-releases/media-room/MSCI_Aug25_QIRPR.pdf Future dates: https://www.msci.com/eqb/pressreleases/archive/ir_dates.pdf

welland_good

That gentlemen, is called MSCI rebalance day….Mark your fucking calendars (date before effective date is green dildo day): https://www.msci.com/eqb/pressreleases/archive/ir_dates.pdf

rambaldidevice1

Doesn't firing fraudsters move us further away from MSCI?

ken_the_boxer

That's FTSE not MSCI

ken_the_boxer

There will be an additional MSCI Declining Markets index for that.

soozler

So, at what point does the US get added to the MSCI Emerging Markets Index?

soozler

US to get added to the MSCI Emerging Markets Index? EEM calls?

soozler

So, when does the US get added to the MSCI Emerging Markets Index?

welland_good

MSCI rebalance tomorrow. Don’t buy in morning. 1dte SPY calls at 1pm, and again at 3pm. Sell all around 3:30-4pm

PartyGullible4674

-Global (Blackrock MSCI ACWI IMI Index Non-Lendable Collective Investment Trust; Class F shares): 0.06% -International: 0.08% -Small cap: 0.03% -Large cap: 0.02% -Market Money Funds: 0.08% There’s also a portfolio which included Gobal equity 75% allocation, Real return fund 15% and US intermediate bond index fund 10% for a 0.06 expense ratio These are basically it. Also, it looks like I can split my allocations between Roth and Traditional.

PartyGullible4674

Global (Blackrock MSCI ACWI IMI Index Non-Lendable Collective Investment Trust; Class F shares): 0.06% International: 0.08% Small cap: 0.03% Large cap: 0.02% Market Money Funds: 0.08% There’s also a portfolio which included Gobal equity 75% allocation, Real return fund 15% and US intermediate bond index fund 10% for a 0.06 expense ratio

PartyGullible4674

Global (Blackrock MSCI ACWI IMI Index Non-Lendable Collective Investment Trust; Class F shares): 0.06% International: 0.08% Small cap: 0.03% Large cap: 0.02% Market Money Funds: 0.08% There’s also a portfolio which included Gobal equity 75% allocation, Real return fund 15% and US intermediate bond index fund 10% for a 0.06 expense ratio

Relevant_Pepper7

So why aren’t you long in your own market since the S&P underperform the MSCI world ?

strolls

You can invest in stocks anywhere in the world, therefore your benchmark is a world or all world index. MSCI World or ACWI; FTSE Developed World or All World. If you buy a tracker of one these indexes then you are guaranteed to meet your benchmark - you're getting the world average, with no effect, which is better than about 8/10 or 9/10 of people who pick their individual stocks. When you pick individual stocks, you're saying that you're smarter than everyone else - you're smarter than the collective intelligence of the world's professional investors, who buy the stocks that move markets and define the returns of the index. You're on here asking a bunch of randoms "what should I invest in?" If it was that easy to beat the average, don't you think everyone would be doing it? How come the majority of professional active managers fail to beat this average, when accounting for costs and fees?^[1](https://archive.is/V6AyL),[2](http://www.marketwatch.com/story/90-of-fund-managers-beat-the-market-but-their-shareholders-dont-2015-01-21),[3](https://www.justetf.com/uk/news/passive-investing/the-proof-that-active-managers-cannot-beat-the-market.html) It's pointless doing this unless you believe that you can make more money than you would by investing in an index fund (if you expect to lose then that would mean you're actively choosing to piss money away), but what if you don't? What are yoiu going to do if your picks are bad, like [that guy who put his whole inheritance into Intel at $30 a share last year](https://www.reddit.com/r/wallstreetbets/comments/1ehjuzj/i_bought_700k_worth_of_intel_stock_today/)? Are you really going to hold onto a dog for 10 or 20 years? Do you have the fortitude to hold on and underperform everyone else, in the belief that your portfolio will beat the market in the end? NEST pensions: > It is possible for people to be risk seeking and also strongly loss averse. People may be comfortable in the abstract or under experimental research conditions with the notion of investment risk. When confronted with the reality of an investment losing value, they may have a negative reaction that could not be anticipated from their self-reported level of risk tolerance. The research found this to be the case most strongly among younger people. Young people self-report higher levels of risk appetite, research shows they may be the most loss averse in practice and most likely to take action if confronted with loss. > … > Findings from this suggest that the target group are often strongly loss averse. They displayed quite emotional responses to loss during the research: disappointment, anger, helplessness and often surprise and incredulity being typical. When participants’ hypothetical pension lost value, they wanted to know where the money had gone and who to blame for losing it. > Pension loss was also felt with a sense of immediacy and was not considered within the context of a long term savings vehicle. Participants talked about the loss as if it they had less in their current account or wallet than they expected to have, given what they had put in. It was commonly thought that pensions grew slowly but steadily in value, in line with their contributions and with a modest amount of gain. A loss was seen as an anomaly or a fault, particularly by those who were un-pensioned, as they did not understand the difference between pensions as a form of investment and savings accounts that accumulated with interest.^[PDF](https://web.archive.org/web/20170705214114/http://www.nestpensions.org.uk/schemeweb/NestWeb/includes/public/docs/member-research-brief,PDF.pdf)

ZoningVisionary

FWIW, here’s how I’d go about it: - 50% in European Large-Cap Equities ETF: Track broad European stocks. Use Vanguard FTSE Europe UCITS ETF (ticker: VGK on Euronext, but confirm UCITS version; expense 0.08%). This captures EU growth from fiscal stimulus (e.g., defense spending up 50% in 2025 outlooks, banks +28%). - 20% in European Small-Cap Equities ETF: For higher growth potential (small caps historically outperform large by 2-3% annually). Use iShares MSCI Europe Small-Cap UCITS ETF (IEUS; expense 0.40%). Focuses on undervalued EU small firms (e.g., tech/manufacturing in Germany/Netherlands). - 20% in Emerging Markets ex-US ETF: Growth from Asia/LatAm/Africa. Use iShares Core MSCI Emerging Markets UCITS ETF (EMIM; expense 0.18%). Excludes US/China-risks; emphasizes India/Southeast Asia for 4-6% expected returns. Accepts currency fluctuation (e.g., INR/EUR swings ~15% historically). - 10% in Euro-Denominated Bonds ETF (10k €): For stability and income (2-3% yield). Use iShares Euro Government Bond UCITS ETF (IEGA; expense 0.15%). Tracks safe EU sovereign bonds (e.g., German/French); low volatility, shields from equity dips. Do an annual review and rebalance; sell if any asset deviates >5%.

Abysswalker794

I will not make friends here with that statement, but you shouldn’t built a portfolio for others if you need freaking Reddit for feedback/advise. I would recommend DCA in a MSCI World ETF or VOO for at least 1 year before adding anything else, to build a habit of investing first. After that year she can decide HERSELF if she wants to take more risk, or if she is fine with getting the average market returns (which is what I recommend for 95% of people). If after one year she wants to add individual stocks, let her chose ONE single stock for 1 year at max 10% allocation. It should be a company she likes and will enjoy keeping up with it, reading news, listening earnings calls, study charts. A company like AAPL, NFLX or META which have popular and easy to understand products, not too much volatility and secular trends going on. IF she enjoys doing that for one year, maybe individual stocks is something for her and she can start build her own portfolio but should keep individual stocks around 20-30% max and the rest in the index. If she won’t even read earnings or news from companies she likes and understand, don’t even think about recommending her stocks like HOOD or CRWD, like WTF man.

IWantoBeliev

MSCI family has an array of world funds, i would just go w/ the most basic ones.

Ezekielth

MSCI ACWI, cant predict the market, buy the market

kenseyx

If long term, and you don't need the money over the next 5 years, go with a mix of bonds, equities, precious metals. I'd cut out the latter and make it simple with 40% bonds 60% equities, see below: Of the 40 keep 5% in SGOV which can serve for shorter term liquidity needs, the other 35 into longer duration inflation protected bonds (TIPS) like the SCHP ETF. For the equities, I'd recommend going internationally diversified. The US had a great run over the last 15 years, but valuations are stretched by most metrics and nothing lasts forever, so having something that tracks MSCI world (i.e. including US but not exclusively US) may be better. You can put a very small percentage into precious metals as an additional hedge for your bond position and generally anti-stagflationary hedge. But a) using TIPS as your primary bond position already protects that position against stagflation and b) gold already had such a run it seems to anticipate lots of bad things to happen, so upside potential seems limited at this point. If you still want to go with it, then maybe 1% into silver and 1% into platinum which still have some room to catch up. You can slide those percentages around any way it fits your risk profile, the safer you want to be, the bigger you make that TIPS percentage. Once you made a decision stick with it, rebalance once a year, don't panic sell your equity position during market crashes. The latter is a guarantee for bad returns.

lab-gone-wrong

yep for contrast, my MSCI-ex US tracking fund is up 23% YTD lol thanks I guess, Trump

Apodro

If you are unsure 100% MSCI World If you are willing to be a bit more exposed and believe in US growth you can do 70% World + 30% S&P You can adjust up to your belief, if you want more emergent you can add it too (personally I won't invest more than 10% in it) Really depends on what risks you are willing to take but you can't really go wrong long term with an ETF (imo DYOR)

TradeWithABear

The best advice would probably be to go for rather diversified stocks etf…if you want some world exposure go for MSCI world (70% USA), if you also want to include emerging markets you can also go for MSCI ACWI (60% USA). If you want to just have USA - as others have mentioned just go for an S&P 500 ETF Also check TER (totals yearly costs) and personally I would recommend one with physical replication and not swap based. Also you can choose between accumulating and distributing. As you probably want your returns to compound, in your case an accumlating one makes sense. Most important: just start doing it! You are super early in your life and will be thankful later.

Weepthrood

Keep pushing into S&P 500 for a solid risk/benefit ratio. MSCI World has less risk but substantielly less yield.

ABlazedLemon

Obviously Reddit is not the perfect place for financial advice but if you don’t want to dedicate the time to conducting your due diligence, MSCI world equity funds seem to be your best friend right now. Especially with a long time horizon. It’s generally a good idea to make use of your access to ISAs and pensions. Though you should ensure you have built up an emergency fund. 3-6 months worth of income in a savings account with a decent rate of interest. Once you start amassing more wealth it would be a good idea to shop around for financial advisors. They do more than simply invest for you, whether it’s tax efficiency, inheritance planning, protection. Make sure you understand their charges and what they say they’ll do for you. Of course, you shouldn’t take this as financial advice, you should conduct thorough research before you make these decisions. There are lots of places where you can learn about managing your wealth and finances. Vanguard, Fidelity, Quilter, Aberdeen are all reputable companies that have good information on good practice. There are many concepts you should understand if you’re investing.

warwingz

Mostly on the desk and from people smarter than me. I had the academic exposure, time-series, stochastic calculus, the FRM canon, but the real learning came from sitting next to a quant risk manager, reading the original papers (Engle, Bollerslev, RiskMetrics, Ledoit–Wolf), and then living through a few drawdowns where models either helped or got in the way. Post-mortems and replays of 2008/2020/2022 did more for my process than any class: you discover quickly which signals are robust, which are just in-sample cleverness, and how to bolt governance onto them so they change position sizes rather than just produce pretty charts. Tool-wise it’s a hybrid. We use commercial risk systems (Bloomberg PORT, MSCI/Barra or Axioma) for factor exposures, beta, and an external lens on correlations, and we ingest options surfaces from Bloomberg/brokers. The decision-critical bits are implemented in-house in Python so we can see every assumption: pandas/numpy for data, statsmodels and the arch package for GARCH-t cross-checks, scikit-learn for PCA and shrinkage, cvxpy for portfolio constraints, plus a small ES/stress library we wrote ourselves. R’s rugarch shows up occasionally as a reference. It started life in Excel years ago, but anything that touches sizing is now code-reviewed, unit-tested, and versioned; the signals are simple enough that transparency beats algorithmic fireworks. It’s standard graduate-level statistics applied with boring discipline: clean data, simple models, out-of-sample validation, explicit tripwires, and liquidity haircuts. The heavy lift isn’t the math, it’s wiring the outputs to hard actions and sticking to them when the tape is loud.

elgrandorado

GOOG is an easy win yes. Revenue is still growing in the healthy mid teens, with operating margins and earnings per share staying strong and growing closer to low 20s YoY. UNH is not a company I would consider amongst the serious companies for business quality. It's evidenced by the fact it no longer outperforms the market by over a five or ten year period. Fears might be overblown, but it's just not a place I can seriously put money into if I want to outperform. GOOG is one of the eight companies I hold because it has elite business quality. On a risk reward basis looking for market beating returns at current valuations I can rattle off multiple companies in my watchlist that will outperform UNH over the long term. I own S&P Global, ASML, FICO, Constellation Software, and Moody's, which are all superior companies with incredible business which will continue to outperform the market with reasonable valuations. Nintendo & Hawkins, inc. are exceptional companies that have run a bit beyond my intrinsic value assumptions but I continue to hold due to their potential. On my watchlist alone, I see companies like ServiceNow, MercadoLibre, Intuitive Surgical, MSCI, Ferrari, etc. that all have superior prospects to United Healthcare, but I feel I have superior companies I'm holding at valuations I deem acceptable. If I wanted the "safest bet I could make right now", I already made it by entering a 10% personal stake into FICO, a company with far larger growth prospects, pricing power, operational leverage, and diligent management.

DerbyTrader

I think the Nasdaq100 ETF is a brilliant thing. It contains the largest, fastest-growing companies. At 30 you easily have 35 years and the Nasdaq will almost certainly outperform the S&P or MSCI World over that period.  With regular additional payments over the next 20 years, you can easily pay in even when there is a downturn and take advantage of the averaging effect. Of course, if you only had 5 years for such an accumulation phase, it would be something different.  I'm definitely almost 100% into it. But it shouldn't be a synthetic ETF because that poses particular risks.

vancity-boi-in-tdot

Your comparing to a global asset figure which also includes aw+ billion uptick in US stocks. These points are fairly significant, considering how they were bullish on China earlier this year: > sold all of its holdings in US-listed Chinese companies in the second quarter > It also closed out its indirect exposure to Chinese equities by exiting exchange-traded funds such as the iShares MSCI China ETF and the iShares China Large-Cap ETF, the filing showed, suggesting a broader strategic reallocation away from China.

suizman

Why company named Rocket Lab is not actually mooning but staying flat as the Earth? Gonna buy some more before MSCI index inclusion

Shoddy_Ad7511

I’ve been through 2000 and 2008. And guess what? If you stayed invested and not panic sell you would be fine. From 1999 through 2024, the MSCI World delivered a compound annual growth rate (CAGR) of approximately 8.47%, compared to 10.83% for the S&P 500

Shoddy_Ad7511

From 1999 through 2024, the MSCI World delivered a compound annual growth rate (CAGR) of approximately 8.47%, compared to 10.83% for the S&P 500

Shoddy_Ad7511

And? People who held the S&P500 from 1999 to now have done very well. From 1999 through 2024, the MSCI World delivered a compound annual growth rate (CAGR) of approximately 8.47%, compared to 10.83% for the S&P 500. Even with the massive dip in US stocks in 2008 and 2000 you were better off going US

hpdk

i keep my Nio stocks (luckily a minor amount invested) as a reminder to never stock pick and only index invest. Im happy with an annual return close to the average of MSCI ACWI.

suizman

Even worst if you bet only on one company. Just DCA whatever you can each month to MSCI ETF instead of gambling with stocks

Prudent-Corgi3793

I can't because the MSCI Indices are all denominated in USD. It's the most relevant anyway for US-based investors, because when I buy a MSCI World ex-USA or Emerging Markets IMI index, I don't get a bunch of EUR, CNY, JPY, GBP, CAD, INR, TWDetc., I get my +22% or +18% YTD returns in USD. No point dividing by local currency exchange rate just to multiply it back. You can invest in these in your local currency if you're a non-US investor, but the relative performance would be the same.

Prudent-Corgi3793

Cool, the MSCI Indices are all denominated in USD. Glad we're on the same page.

Own-Mud8463

Congrats on starting early that’s one of the biggest advantages you can give yourself When your budget is small at first I’d personally keep it simple maybe 80–90% in a broad ETF like the MSCI World or S&P 500 equivalent available to you in France then a little in a Euro-based bond ETF if you want stability and the rest in whatever “fun” asset you want like crypto or gold With small amounts you want low fees so check broker like Robinhood,they’re pretty popular in Europe and have fractional shares so you can invest every month without worrying about full share prices Biggest mistakes I see with new investors is trying to spread too thin with small amounts chasing hot tips and selling when the market dips instead of holding The way I’ve kept myself on track is focusing on tiny consistent actions over time I wrote about that approach here if you want to see how I apply it to money [check it out](https://thefirefastlane.com/how-i-use-atomic-habits-to-reach-financial-independence-fire-one-tiny-gain-at-a-time/)

Prudent-Corgi3793

Yes, because real returns are what matter. You could denominate them in any currency and the same relative performance would hold. Argentina’s MERVAL has gone up 20,000% in 10 years, but no one considers it the best performing stock market because the USD has gone up nearly 15,000% against the Argentinian peso in the same time frame. The MSCI Argentina index (they don’t have an IMO) correctly reflects that it’s only gone up 14.30% cumulatively, dividends included, over the last 10 years.

Prudent-Corgi3793

As I mentioned in another comment, the benchmark uses the MSCI indices for each country, gross return (i.e. inclusive of dividends), denominated in USD. Specifically, it uses the investable market index (IMI), which also includes smaller companies. There isn't an ETF product directly linked to the MSCI USA IMI index, but this is basically completely correlated with the CRSP US Total Stock Market index, to which VTI is benchmarked. They basically [move together](https://i.imgur.com/JCuCF1c.png). There also aren't ideal country-specific ETF products to track the IMI. For instance, the [MSCI China IMI index](https://www.msci.com/indexes/index/664216) has 784 holdings, but Blackrock's MCHI tracks MSCI China, not the IMI, and only has 550 holdings. It also has an expense ratio of 0.59%, and similary across the board for all the country-specific ETFs. You do get a better comparison if you go with broad international ETFs, instead of country specific ones: - Blackrock's IDEV tracks the MSCI World ex USA IMI index for 0.04% (developed ex-US). - Blackrock's IEMG tracks the MSCI Emerging Markets IMI index for 0.07%. As you can see, there is some slight tracking error between the ETFs and the indices they track, but it has actually favored the ETFs so far this year (i.e. better for investors).

UpAndDownArrows

S&P Forward P/E is 23 vs. 20 of MSCI World, or do you have some alternative American set of facts?

Prudent-Corgi3793

It uses the MSCI USA IMI Index, Gross (Total) Returns. Similar equivalents for the other stock markets, except they are denominated in USD.

GOOGAMZNGPT4

SPY is diverse enough and is/has been/will be the top performer. Theres a reason why MSCI has traced SPY throughout its entire existence, with less returns.

Far-Enthusiasm-5995

Congrats on thinking about investing so young! If you're in the UK the first step is to open a Stocks & Shares ISA so your investments grow tax‑free. Before investing, make sure you have some cash savings for emergencies so you don't have to sell at a bad time. You don't need a fancy community portfolio to build wealth. A simple global index fund (for example a FTSE Global All Cap or MSCI World fund) already holds thousands of companies. Set up a monthly contribution of whatever you can afford – £200–£300 is plenty – and let it run. Over decades that's far more powerful than trying to pick winners. Trading212 is fine as a platform, but avoid chasing high‑risk portfolios or 'hot' stocks. Focus on low fees, broad diversification, and consistent contributions. Use your ISA allowance each year and let compounding do its thing.Hey! Props on wanting to get started early – that gives you a huge head start. Before investing, make sure you have a basic rainy‑day fund so you’re not forced to sell when life happens. In the UK a Stocks & Shares ISA is a great wrapper because any dividends and capital gains are tax‑free. You don’t need to chase trading ideas or “community portfolios”: just pick a broad global or S&P 500 index fund and add to it each month. Trading 212 works fine as long as you stick to low‑cost ETFs. Putting £200–300 into one diversified fund every month will grow nicely over time. Treat investing like a marathon – the boring approach of regular contributions and compounding beats trying to hit it big with risky bets.

UpAndDownArrows

By the way, the current weight of USA is 68%, leaving 32% to the rest of the index. https://www.justetf.com/en/etf-profile.html?isin=IE00BFY0GT14#holdings 32% is not a small difference. And overall diversification wise: S&P500 has 36.5% of the weight in the top 10 stocks, whereas MSCI World has much lower 25.25%.

milkman1316

$SoFi. MSCI (ETF) said on Thursday it will add 42 securities and delete 56. SoFi will be added for trading on August 26.

Tritom73

How about ACWI World. almost the same as MSCI World but even more internationally diversified

Legaon

Just go with (MSCI World). You do not have to worry about (geopolitical shift factors as much). Ex: —>a top superpower back during the 1900s era, was the (German Empire + British Empire + Austrian Empire). German Empire, was getting very close “to becoming a major superpower.” —>WW1 happened. Main catalyst, that started WW1 = assassination of (Archduke Franz Ferdinand). Conspiracy theory about his assassination. —>Assassins were believed to be (Serbian Nationalists) or (Bosnian young men). German Empire, was allies with (Austrian Empire). Natural response = German Empire had attacked (Bosnia/Serbian territory). —>The allies of (Bosnia/Serbia) — happened to get into conflict with the (German Empire). To defend their ally, Bosnia. Many global territories, now at war with each other. —>WW1 = ended in 1918. (German Empire + Austrian Empire), were defeated. Both economies suffered through severe economic hardships. —>And, a once major superpower — German Empire, before 1918. German Empire suffered great economic hardships. —>Germany was also involved in (1933-1945 era). Suffered again. German economy was weak, after losing WW2. —>But, today — German economy is very strong. Mainly because the victors helped to rebuild the German economy. The victors, could have left the German economy, in an economic mess. —>PS: (MSCI Global/FTSE Global All Cap Index). Much safer, than just going (S@P 500 Index). —>(S@P 500 Index), makes up a majority of the (MSCI Global/FTSE Global All Cap Index). For now. Because most of the money, is concentrated in the top 500 US companies. What would happen if: “a major US company, were to RELOCATE ITS HEADQUARTERS TO ANOTHER COUNTRY”? —>(MSCI Global/FTSE Global All Cap Index), will always guarantee 2nd place. It will never guarantee 1st place. However, it does have the potential of (auto rebalancing itself) — in cases of “geopolitical shifts.” Winners of wars. Losers of wars. A country’s currency collapse. A country’s currency rise.

userX25519

Without doubt it is a good idea to invest into US tech, but the problem is that in case of deep recession (eg. Japan like scenario or Great Depression 2.0) you would need to manually rebalance the portfolio, trying to time the market, which is really bad idea for multiple reasons. On the other hand, the trade-off with MSCI World is lower expected returns when S&P 500 outperforms. So it’s a challenging question.

UpAndDownArrows

25% non-US is infinite amount of times more than 0% of non-US. The topic is SP500 vs MSCI World, not about any other options.

UpAndDownArrows

S&P 500 is overbought, overconcentrated, single country risk. Hence MSCI World it is for me.

Prudent-Corgi3793

Data from MSCI IMI (investible market index), gross returns, for each country, starting on 1/1/25.

suizman

RKLB and SOFI will be added to MSCI index on august 26, excellent news!!

elgrandorado

The companies I feel strongest about right now are ASML and FICO. FICO is the one I've been buying after entering a position last week. I sold RACE completely to buy in. RACE is close to fair value, but I feel like the fear in FICO stock makes it a wonderful opportunity in my eyes. RACE is a quality company, and will see long term sales growth with the Purosangue and continual Hybrid adoption. On my watchlist, companies like MSCI, CSU (Which I own), DUOL, NU, and GOOG (which I own) look interesting at current valuations.

Best_Fish_2941

What etf tracks MSCI ACWI?

throwaway2676

No, that was MSCI Emerging Markets Index

Diffidente

MSCI All Country World Index, tracked by $ACWI ETF A really famous index consisting of both developed and emerging markets. Similar to the FTSE All world index, tracked by the $VT ETF Guys, you are on a stock subreddit...

Best_Fish_2941

what's MSCI ACWI ?

Progress_8

You would care about SoFi if you are looking to buy a stock, and MSCI if you are into buying a fund. Either way, it'll benefit SoFi. Sometimes, you have to look at the bigger picture.

tachyonvelocity

Who cares about SoFi, the stock to buy is MSCI, look at how many times you mentioned MSCI in your post, hint, MSCI is much more important than SoFi and can make money more easily.

octopus_serenader

HOT NEWS: RKLB being added to MSCI DM!

greytoc

Just use your broker's screening tool. What do you mean by "biased"? Brokers don't recommend investments. A screener is just going to display whatever criteria you use narrow down investments. If you rely on analysts' ratings - most brokers like Schwab source analyst ratings from multiple analyst firms. Schwab provides Morningstar ratings if that's what you want and there is no additional fee for the basic Morningstar rating overview at Schwab. For ETFs and mutual funds - Schwab provides Morningstar and MarketEdge ratings. For equities - Schwab also provides analyst ratings from Morningstar, CFRA, Argus, MarketEdge, LSEG, Vickers and MSCI. Schwab also owns an analyst business unit so Schwab ratings are also available. Brokers like Fidelity, Merrill, etc. will have similar screeners and access to similar analysts' ratings. Different analysts' firms use different models, and some are quantitive in nature. And some are qualitative in nature.

Stitch426

Why trust one person when you can trust an index ETF that gets rebalanced multiple times a year? They cut out the losers and adjust their percentage weight in the holdings. When TSLA was bombing, VOO dropped them down so TSLA wasn’t dragging down the rest of the ETF as much. Instead of betting on handful of companies, you could be betting on 500 if you choose an S&P ETF. There are a lot of indexes you could also follow like Dow Jones, Nasdaq, MSCI, etc. You could also get exposure to more stocks outside the US as well by choosing an international ETF instead of a just a couple of companies. Right now, this person has advised you to buy an ETF and then individual holdings already in the ETF. If you have a limited amount of money, you are doubling up your risk for no reason. Look at UNH. You could have bought a Dow Jones ETF and then UNH on top of it, so that when UNH tanked 50% you are getting a double whammy. There’s no need to risk that draw down for hoping to get bigger gains. This person has also advised you to only go for tech stocks. Tech stocks are hot right now, but so are other sectors. The sectors up most YTD are Industrials, Tech, Utilities, and Comm Services. So you are focused only in one, what will you do when the economy shifts to another sector? https://www.sectorspdrs.com/sectortracker After the dot com bubble and the financial crisis, putting your hopes in only one sector is an unnecessary risk. People have lost their fortunes going all in on Real Estate or not realizing their company was in a pump and dump phase (Enron, Bed Bath and Beyond). The people who worked for Enron and only had Enron stock were shafted. So if this person didn’t talk to you at all about risks, hedging your investments, different economic cycles, etc- you are not learning from any of your previous mistakes. Going for what is hot now is setting you up to be a bag holder when something else comes on the scene that’s even hotter. During COVID 19, UPS surged. Look at them now. They are no longer the hot thing in town. Any one of these investments you made could be the next UPS. It could take years and it could be a slow falling knife. That is what gets a lot of people. The decline wasn’t sudden enough to trigger any alarm bells, and there was a lot of hopium and rationalization it would rebound. https://stockanalysis.com/stocks/ups/history/

Aggravating-Bad-9448

Nothing political about it. You don’t know shit, and didn’t answer any of my questions. NVDIA for example is highly dependent on European ASML. They all work together. It’s not as black and white as you think. And studies show that MSCI World (all developed markets) returned about 212% since 2000, while the MSCI World ex‑USA delivered around 125%, a substantial underperformance

Prudent-Corgi3793

The 24 emerging countries of the MSCI Emerging Markets Index make up over 60% of the world's population and over 40% of the world's GDP by PPP. This is in contrast with 11% of the population and 40% of the GDP by PPP for the 23 MSCI Developed countries including the US. (The remainder are frontier or standalone countries.) In 2024, per the IMF, the Emerging Market and Developing Economies grew at 4.3%, and they are projected to grow at 4.1% and 4.0% in 2025 and 2026 (representing a hit from the tariff war). In contrast, the Advanced Economies, including the U.S. grew at 1.8% in 2024, and are projected to grow at 1.5% and 1.6% (also representing hits from the tariffs). They have weaker economies and geopolitical risk, but that's already priced into their low valuations. More importantly, each of those countries only have to deal with one tariff war. We have to deal with war on 200 fronts.

SoUmCarinhadeBH

I don’t believe Tech will always outperform, but I do believe it has the highest potential for long-term structural growth — especially as AI, cloud computing, and automation reshape every industry. That’s why I overweight it, not go all-in. Going 100% Tech would expose me to too much sector-specific risk and potential drawdowns (like we saw in 2022). By keeping a global allocation (MSCI World), I’m still diversified across geographies and sectors, while tilting toward a theme I believe in. So it’s not “Tech will always win,” it’s more like: “Tech has a high long-term upside — and I want to capture that without abandoning diversification.”

CharlesSwannn

Yes, it's an ETF that tracks global developed markets through the MSCI world index.

Aerion_CA

Except from my BRK and UNH bags I won’t touch anything related to the USD until October. Looking into EUR-hedged MSCI/FTSE/SP500 ETF right now.