1 ETF vs. 5 ETFs: Das brutale Ergebnis (3 Jahre Test)

My brother only invested in one ETF, I invested in five. Who has a higher return after three years? The result of this experiment is a bit of a slap in the face for everyone who wants to "over-optimize" their portfolio—including me. 👇 HERE YOU'LL FIND ALL THE POINTS FROM THE VIDEO & MY TOOLS (Affiliate links)👇 📚 ESSENTIAL READING FOR EVERY INVESTOR (If you only read one book, pick the first one!) ► The "ETF Bible" 👉 https://amzn.to/4qiCwWX * ► Financial Knowledge Explained Simply (Finanzfluss) 👉 https://amzn.to/49ckhMI * ► Classics in Stock Market Psychology (Kostolany) 👉 https://amzn.to/456iBSu * __________ This is an affiliate link. If you click on this link and make a purchase or sign up for something, I receive a commission. This doesn't cost you anything extra, and you support my channel. Thank you for your support! 🙏 00:00 The Experiment: 1 ETF vs. 5 ETFs 02:49 Why My Strategy Failed 04:57 The Diversification Myth Explained 07:00 Hidden Costs & Taxes (Friction Losses) 09:45 The Psychological Pain of Investing 11:26 Criticism of the 70/30 Portfolio 13:11 The Strength of the 1-ETF Approach 14:50 When Do Multiple ETFs Make Sense? 16:23 The Golden Rule of Decision-Making 18:01 Conclusion: The Bitter Truth In this video, I compare my complex 5-ETF portfolio (MSCI World, EM, Small Caps, etc.) with my brother's simple 1-ETF savings plan. Same starting point, same savings rate (€300), but a completely different result. I'll show you the raw numbers and explain why "more ETFs" often doesn't mean "more diversification," but simply more costs, taxes, and psychological stress. We'll discuss the myth of diversification, the hidden friction caused by rebalancing and taxes, and why strategies like 70/30 aren't always the holy grail. Finally, I'll give you a simple decision-making rule to help you find your perfect setup. Are you Team "One ETF" or Team "Portfolio Builder"? Let me know in the comments! Don't forget to subscribe to the channel if you want to see more honest financial insights and real-money experiments! 👍 #ETF #Finance #Investing #Portfolio