Hi everyone,
I started investing some time ago and I’m currently putting €800 per month into ETFs. I set everything up as recurring monthly investments and just let it run.
Right now my setup looks like this:
• €300 into iShares EUNL (MSCI World) – this one I buy via Revolut
• €150 into EXUS (World ex-US) – bought via IBKR
• €100 into EMIM (Emerging Markets) – IBKR
• €150 into VGWE (FTSE All-World High Dividend) – IBKR
• €100 into XDWT (MSCI World IT) – IBKR
The more I look at it, the more I feel like I have unnecessary overlap. For example, EUNL already includes US and non-US developed markets, EMIM adds emerging markets, VGWE overlaps with global equities again, and XDWT is basically a sector slice of what I already own.
So I’m wondering if I’m overcomplicating this.
Would it make more sense to simplify and just:
• Go all-in on one global ETF (like MSCI World or FTSE All-World),
• Or split between World + EM,
• Or maybe World ex-US + US separately?
I also liked the idea of having separate monthly allocations to Healthcare, Energy, and IT ETFs. But now I’m questioning whether that’s just performance-chasing and adding complexity without real benefit.
For long-term investing (20+ years), is it smarter to just accumulate everything into 1–2 broad global ETFs and stop thinking about sectors? Or is there a solid argument for keeping sector ETFs as a small tilt?
I’m in Europe, long-term horizon, no need for dividends, just growth.
Would really appreciate some honest feedback. I’m open to simplifying if that’s the smarter move.
Thanks!