QUOTE(sherynchans @ Jan 31 2021, 03:44 PM)
hello all,
I would like to ask for recommendation of etfs. The purpose of this etf is for retirement fund and also university fund for kid in the future. so, the horizon is 10-15 years from now.
I have two in mind now :
- SnP 500 : CSPX.L
- Nasdaq 100 (what is the ticket symbol for Ireland domiciled?)
Thanks for the suggestion!
CSPX.L is London exchange right? IIRC, the transaction fee is higher per share.
Try looking for those listen on other exchanges. However, do look at daily transacted value to determine liquidity.
CSPX is iShares. I heard Vanguard's alternative is better.
Example is VUSA.MI which is domiciled in Ireland but traded on Borsa Italiana i.e. Italian stock exchange.
NASDAQ 100 domiciled in Ireland is EQQQ.MI. I hold these.
Do note that NASDAQ100 in theory should give higher returns but is subject to higher volatility.
NASDAQ has outperformed S&P500 in recent years but it did not recover from dot-com bubble until about 16 years later.
Meanwhile, it only took S&P500 6 years to recover (if you include dividends).
To be on the safe route, best is to stick to S&P 500 which has 50+ year track record.
Alternatively, you can keep a 50:50 portfolio and rebalance monthly/yearly.
I would recommend adding some bonds and maintaining 60:40 ratio of S&P500:TLT with quarterly rebalancing.
Adding bonds and rebalancing gives you the benefit of lower risk for the approximately the same return.
Compare here