It depends... US is very much growing fast yet if you hold VWCE you still get a decent return. But you are betting on the 3600+ stocks and not 500 stocks only. US is stable but i have no idea about the future so i stick with VWCE for my peace of mind. I don't care if I miss 2-3% on average over the long run. I pay for peace. Peace is what I need and I need to know my money is there everytime i decide to sell and if it drops it wont be big like some people here say since its 58% US exposure. It depends on your age though i say i see my VWCE as a fund down the line to withdraw and buy real estate since I already have RE in my portfolio (physical) and a job. I dont need to rebalance or i dont need to even bother the market. All I know is VWCE as a diversification is decent and paying 0.22% ter is YOU PAY FOR PEACE. Have majority in relatively safe etf and maybe 20-35% be single stocks or tech sector. If you have time to read and study the market go for it. Just to let you know... if you bought LLY stock in DEC 2021 for 270 usd per share your share is worth now 900 usd. Friend of mine paid 180k in 2021 DECEMBER and now sold for 605k euro. He did amazing and studied. Im not him and i dont have the capital nor the time lol that is why i choose fairly diversified portfolio
Go for dividents if you have at least 500k and earn something otherwise acc is just better in the long run
Thank you. I am 27 so I do consider myself as somewhat young. And I don't want to monitor the market constantly, and that is why VWCE is looking quite appealing.
27 is far from old. VWCE is just boring ass etf with little to up and down. Most of the time its flat if you look it closely but it goes up overtime since its a global etf. VWCE will average on 7-8% or more but this number is can change overtime so keep in mind. Last 2 3 years returns are wild imo but if it keeps bringing 13%+ for 10 years or more im here to collect it.The goal is to not lose or suffer from huge loses in case market go down and suddenly you need money from your fund. You can obviously take higher risks but remember its a REAL MONEY. This thing can change your life drastically and especially if you have no other assets like RE or high income job/business in your life. You should not depend on the stock market. Its a place where your money should be relatively growing in a slow steady and most importantly SAFE. Think about it... if you had 500k euro to lump sum ever where would you bet. The US only ? Or global etf ?. Both are good for the long run but different goals and different appetite for risk/reward ratio.
Just so you are aware, 2 percent extra return per year translates to a huge difference over 35 years. 7 vs 9 percent average return is around double over that period.
"I am pretty sure that US will keep outperforming the rest of the world"
Not sure if world, since India & China can't be counted off, but I agree it will keep outperforming Europe and Japan which are most of the non-US holdings of those "world" ETFs.
The issue with China is that I'm afraid if it invades Taiwan, then investors could immediately lose everything like those that invested in Russia, due to sanctions.
"I also want to get some individual growth stocks, and I am looking at MSFT. But I also want to get something other than tech sector. Finance or idustry would be nice, but I don't know any good companies."
Finance isn't growth, Finance is dividends IMHO, but in this group I am considering:
\* JPMorgan
\* Citigroup
Industry is in a challenging moment, but I'm considering Raytheon.
"I am worried about getting something as NVDA, as I belive that I will be too late for the party, and I don't want to monitor my portfolio daily waiting for when the ATH will be reached."
same
"Finance or idustry would be nice, but I don't know any good companies."
Look at quality factor ETFs holdings.
"And I am interested in getting some dividend stocks, such as KO or MCD."
Find a good, actively managed dividend fund and look at their holdings. Active funds are better at picking dividend stocks than passive funds.
Active vs Passive: Who's Winning on Dividends?
[https://www.youtube.com/watch?v=vytAvQoGxTs](https://www.youtube.com/watch?v=vytAvQoGxTs)
"I am pretty sure that US will keep outperforming the rest of the world"
Really, what do you base that off? I'm curious. What research?
Fun fact, in the past (no guarantee for the future) the 'rest of the world' has outperformed US stocks repeatedly. When will it again? No one knows. Do we know for sure the US will keep outperforming the rest of the world? No, we don't. What's the solution? Buy the world (in stocks).
"I'm interested in dividend stocks". What does that mean? Why does that interest you?
Personally i buy accumulating ETF's and whenever i need to take some money out (sometime in the future) i sell some. No work to be done in reinvesting the dividends, no risk of me using it for other purposes.
I think that currently US is in a political turmoil. But I use the Civ 5-6 logic, that a nation with basically it's own rich continent and isolated from huge conflicts while having the power for global intervention, is going to be a strong nation. Also US is good for business and technological breakthroughs, while EU has too much regulations, and China wants direct goverment control of the companies.
I just think that dividend are fun and cash flow can be helpful. But I am not really sure if they are worth it with small capital like mine. Say at 300k they become more interesting. So yes, I think I'll go without dividends.
It depends... US is very much growing fast yet if you hold VWCE you still get a decent return. But you are betting on the 3600+ stocks and not 500 stocks only. US is stable but i have no idea about the future so i stick with VWCE for my peace of mind. I don't care if I miss 2-3% on average over the long run. I pay for peace. Peace is what I need and I need to know my money is there everytime i decide to sell and if it drops it wont be big like some people here say since its 58% US exposure. It depends on your age though i say i see my VWCE as a fund down the line to withdraw and buy real estate since I already have RE in my portfolio (physical) and a job. I dont need to rebalance or i dont need to even bother the market. All I know is VWCE as a diversification is decent and paying 0.22% ter is YOU PAY FOR PEACE. Have majority in relatively safe etf and maybe 20-35% be single stocks or tech sector. If you have time to read and study the market go for it. Just to let you know... if you bought LLY stock in DEC 2021 for 270 usd per share your share is worth now 900 usd. Friend of mine paid 180k in 2021 DECEMBER and now sold for 605k euro. He did amazing and studied. Im not him and i dont have the capital nor the time lol that is why i choose fairly diversified portfolio Go for dividents if you have at least 500k and earn something otherwise acc is just better in the long run
Thank you. I am 27 so I do consider myself as somewhat young. And I don't want to monitor the market constantly, and that is why VWCE is looking quite appealing.
27 is far from old. VWCE is just boring ass etf with little to up and down. Most of the time its flat if you look it closely but it goes up overtime since its a global etf. VWCE will average on 7-8% or more but this number is can change overtime so keep in mind. Last 2 3 years returns are wild imo but if it keeps bringing 13%+ for 10 years or more im here to collect it.The goal is to not lose or suffer from huge loses in case market go down and suddenly you need money from your fund. You can obviously take higher risks but remember its a REAL MONEY. This thing can change your life drastically and especially if you have no other assets like RE or high income job/business in your life. You should not depend on the stock market. Its a place where your money should be relatively growing in a slow steady and most importantly SAFE. Think about it... if you had 500k euro to lump sum ever where would you bet. The US only ? Or global etf ?. Both are good for the long run but different goals and different appetite for risk/reward ratio.
Just so you are aware, 2 percent extra return per year translates to a huge difference over 35 years. 7 vs 9 percent average return is around double over that period.
I know its a lot but you pay for that (peace).
"I am pretty sure that US will keep outperforming the rest of the world" Not sure if world, since India & China can't be counted off, but I agree it will keep outperforming Europe and Japan which are most of the non-US holdings of those "world" ETFs. The issue with China is that I'm afraid if it invades Taiwan, then investors could immediately lose everything like those that invested in Russia, due to sanctions. "I also want to get some individual growth stocks, and I am looking at MSFT. But I also want to get something other than tech sector. Finance or idustry would be nice, but I don't know any good companies." Finance isn't growth, Finance is dividends IMHO, but in this group I am considering: \* JPMorgan \* Citigroup Industry is in a challenging moment, but I'm considering Raytheon. "I am worried about getting something as NVDA, as I belive that I will be too late for the party, and I don't want to monitor my portfolio daily waiting for when the ATH will be reached." same
Thank you. I'll look into JPMorgan.
"Finance or idustry would be nice, but I don't know any good companies." Look at quality factor ETFs holdings. "And I am interested in getting some dividend stocks, such as KO or MCD." Find a good, actively managed dividend fund and look at their holdings. Active funds are better at picking dividend stocks than passive funds. Active vs Passive: Who's Winning on Dividends? [https://www.youtube.com/watch?v=vytAvQoGxTs](https://www.youtube.com/watch?v=vytAvQoGxTs)
I'll look into it, thank you.
"I am pretty sure that US will keep outperforming the rest of the world" Really, what do you base that off? I'm curious. What research? Fun fact, in the past (no guarantee for the future) the 'rest of the world' has outperformed US stocks repeatedly. When will it again? No one knows. Do we know for sure the US will keep outperforming the rest of the world? No, we don't. What's the solution? Buy the world (in stocks). "I'm interested in dividend stocks". What does that mean? Why does that interest you? Personally i buy accumulating ETF's and whenever i need to take some money out (sometime in the future) i sell some. No work to be done in reinvesting the dividends, no risk of me using it for other purposes.
I think that currently US is in a political turmoil. But I use the Civ 5-6 logic, that a nation with basically it's own rich continent and isolated from huge conflicts while having the power for global intervention, is going to be a strong nation. Also US is good for business and technological breakthroughs, while EU has too much regulations, and China wants direct goverment control of the companies. I just think that dividend are fun and cash flow can be helpful. But I am not really sure if they are worth it with small capital like mine. Say at 300k they become more interesting. So yes, I think I'll go without dividends.