Meal time folks,

the title already asks the right question.

At the moment, 40% of my current portfolio consists of the $WLD (+0.58%) . I started in small steps about 4 years ago and honestly didn't do too much research. It was important to me to get started and I was looking for a world ETF at the time, I honestly don't know exactly how I came across this one 😬.

I'm thinking about how I should proceed and also reduce the TER of 0.3% a little.

• Sell piece by piece $WLD (+0.58%) sell (taking into account the saver's lump sum) and switch to $MWOE (+0.06%) and reallocate. Alternatively $HMWO (+0.55%) .
• Stop the savings plan at $WLD (+0.58%) stop, let the position continue and from next month simply save a new position with $MWOE (+0.06%) (TER 0.12%) / $HMWO (+0.55%) (TER 0.15%).

Amundi is actually a heavyweight where you don't have to worry too much, so I tend to go for variant 2.

What does the community say?

Greetings and have a nice holiday 😊

Maverick

So, my $OHB (+0.98%) shares that I put up for sale were booked out at the limit today. It is somehow not foreseeable how long KKR will need for the regulatory stuff. And as the shares will not rise any further and there will be no more dividends, I have sold them. I should have done it straight away, I've already given away some performance elsewhere ... Well, I could have.

This freed up just under €22,000 (500 OHB shares sold at €43.8, making +506% and +€2200 net dividends)

A portion was directly reinvested.

5Tsd € $ISPA (-0.11%)

5Tsd € $VAPX (+0.59%) (new in the securities account)

5Tsd € $XD5E (+0.58%)

2Tsd € $WLD (+0.58%)

For the rest, I'll go back through my watchlist and continue to add to ETFs.

Reallocation from $WLD (+0.58%) to $PRAW

I no longer want a synthetic replication and the 0.3% TER was getting expensive, I didn't pay enough attention to it years ago. Performance of $WLD (+0.58%) was good.

I do without the dividend (otherwise I would have taken the $PR1W taken)

#etf
#primeglobal
#world

I think dividends are just mega. It's fun 🥳

I've been saving with the $WLD (+0.58%) and am currently considering changing the savings plan from 2024 from the $WLD (+0.58%) with 0.3% TER to the other World or Prime Global.

To the popular Ishares $XDWD (+0.39%) respectively $XDWL (+0.55%) with 0.19% / 0.12% respectively?

or what I am fond of :

$PRAW or $PR1W with 0.05% TER ?

In the case of Amundi Prime Global, it is clear that the fund volume is still very small and that it could be merged or discontinued at some point.

What is your opinion on the $PRAW ?

Nvidia gain (2 months ago) used for rebuttering 😂.

4% overnight money I found stupid and since static Aug-Oct rather weak phases of MSCI World are waited.

Does anyone know why there was no $WLD (+0.58%) last month there was no dividend? Have on the quickly found nothing online.

In the future I would like to invest my money as follows and would appreciate feedback from you😊🚀👍

Monthly savings/investments in the future will be:

250€ - $WLD (+0.58%)

200€ - Trade Republic call money to be able to buy single stocks in case of a crash

100€ - $VUSA (+0.16%)

150€ - Daily deposit account for nest eggs

100€ - Unit-linked pension insurance

70€ - $XAIX (+1.71%)

How do you find the distribution? What is missing or what would you add?

🚀

Hi Dear GQ Community,

this is my first time writing here and I would like to hear your opinions on savings plans for my son.

I gratefully accept optimizations 😁

Since his birth in June 2017 I have opened a custody account for Him. There their ETF $n/a (+0.24%) with 50€ saved.

Since September 2022 I have opened a children's account at Ginmon with a savings amount of 150€. Ginmon invests very diversified.

Since December 2022, another 150€ is saved in a children's deposit with Barmenia. These have a savings plan in $n/a (+0.1%)
$WLD (+0.58%)
$LYPS (+0.34%)
$n/a (+0.06%)
$n/a (+0.43%) 30€ each.

My question:

Would it make more sense to open a children's account with a broker to manage the savings plans themselves? If YES which ETF's would you recommend for the savings rate of 350€?

Thank you in advance ☺️

Would appreciate portfolio feedback.

Briefly about me: I am 25 years old and about to finish my second education.

My monthly savings rate varies between 100-300€.

I follow a dividend strategy, as I want to use the payouts to pay smaller bills or fixed costs. But it will be a while before I get there 😄

I've also been thinking about opening a third account for a while now and only saving in growth stocks there.

Savings plans currently:

$WLD (+0.58%) - 55€ monthly

$SPYD (+0.45%) - 50€ monthly

From next month additionally the $VHYL saved.

Individual shares will be purchased on a one-time basis.

Constructive criticism is welcome. 🤟