BockaufDividenden (@BockaufDividenden) on getquin

Junior portfolio with growth ETFs

Hi folks,

I would like to build up a good growth portfolio for my child - horizon of course 18+ years (at best 20-25+ years, hopefully he won't buy a Lambo then)

The junior portfolio is with ING, so far there is already a savings plan, but I'm undecided about it. I'm aware that the USA share is high and that there are certain overlaps, but I don't feel comfortable with EM, also in terms of returns.

The monthly savings rate is initially €125.00I have selected the following accumulating ETFs, which I like for the time being:

$FWRG (-0.2%)
Invesco FTSE All-World UCITS ETF (Acc)

$IWDA (-0.19%)
iShares Core MSCI World UCITS ETF (Acc)

$CSPX (-0.13%)
iShares Core S&P 500 UCITS ETF (Acc)

$CSNDX (-0.14%)
iShares NASDAQ 100 UCITS ETF

$CSEMU (-0.42%)
iShares Core MSCI EMU UCITS ETF

What do you think of the following breakdowns, for example

50.00€ Invesco FTSE All-World UCITS ETF (Acc)

50.00€ iShares Core S&P 500 UCITS ETF (Acc)

25.00 iShares Core MSCI EMU UCITS ETF

50.00€ iShares Core MSCI World UCITS ETF (Acc)

50.00€ iShares NASDAQ 100 UCITS ETF

25.00€ iShares Core MSCI EMU UCITS ETF

70.00€ iShares Core MSCI World UCITS ETF (Acc) or Invesco FTSE All-World UCITS ETF (Acc)

55.00 € iShares Core S&P 500 UCITS ETF (Acc) or iShares NASDAQ 100 UCITS ETF

The above are just a few examples, I don't know if I can't even find $CSEMU (-0.42%) iShares Core MSCI EMU UCITS ETF because the return is simply not as good?

I'm looking forward to your opinions, suggestions and feedback! :)

Jupp D.@JuppDupp

3Mon

Keep it simple. I would do 60% $FWRG and 40% $CSPX or 40% $CSNDX.

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Testoking@Testo-Investor

HI my friend. Great idea and simply brilliant! But unfortunately I don't like your approach at all. You are completely fixated on America just because the USA is doing well NOW, which "can" be a mistake in the long term. So don't bother with the nonsense about the SP500 and Nasdaq. Make it as simple as possible and always invest super broadly in the global economy in the long term and there is currently only one product in the All Country World Index and that is the $SPYI costs € 17 per € 10,000 capital per year. Very cheap. 9000 shares in it with optimized sampling on 4000 shares.... No, I don't get any commission, but I am convinced of the product! Have fun! Therefore 125 € in the product in departure.

Krush82@Krush82

I think the allocation is too complex for a junior portfolio. For long-term growth I would keep it simpler, All World ETF, Nasdaq/Tech ETF and BItcoin. Allocate as you feel comfortable with.

Julian@MoneyISnotREAL

That reads too complicated for me again, and bear in mind.
Your child has to take over the depot and will continue it at best.

If I take your choice -> €125 in $FWRG or €125 in $IWDA

If you only want to invest in the USA, then the $CSPX.

Floris@Floris

I have similar plans for us
100€ $IWRD
50€ $IXUS
50€ $IJH

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