Hello everyone,

I have 2 children of my own and 4 godchildren - don't ask me how this could happen ;)

My husband and I each use our own securities account with TR to make the most of the saver's allowance - there's no other way at the moment. We have been using Oskar for our two children and godchildren for 6 years (2 different accounts). Yes, the fees are comparatively high, but somehow that was the easiest thing for us at the time - we simply weren't ready to take care of everything ourselves.

I have now opened another custody account with Scalable for my godchildren so that we can continue to invest regularly. The plan is to close the additional Oskar account (with around €3,500) and reallocate the money.

Now my mother would like to save for my niece together with me. The question is: what is the best way to organize this?

I would like to have a way of seeing how much is available for each child separately - regardless of whether they are my godchildren or my own. The children are very different ages (some are already 8, others have just been born), so transparency would be super important.

Is there a broker that allows "sub-accounts" or some sort of separate savings plans per child, ideally within one main account? I'd hate to open four different brokers just to keep track. Maybe someone has a clever tip?

PS: I would actually like to invest everything in the $VWCE (+1.03%) one ETF for all the children. Or should I perhaps choose a different ETF for each child individually?

Thanks in advance for your input :)

Hi everyone, I am planning to build a portfolio focused on dividends and wanted to get some advice from those who may already have a few more years in the investment world.

My goal is to create a portfolio that allows me to receive dividends every month and that is composed of ETFs that guarantee both dividend growth and, most importantly, NAV growth, all geared for the long term. In addition, I would still like to devote a good portion of the portfolio to accumulation, so that I can grow something that I can reinvest all on dividends in the future (taking advantage through accumulation of self-investment of dividends).

The portfolio I came up with contains the following ETFs:

• Vanguard FTSE All-World Accumulating ($VWCE (+1.03%)) - 40%
• Vanguard FTSE All-World High Dividend Yield ($VHYL (+1.24%)) - 10%
• SPDR S&P Global Dividend Aristocrats ($ZPRG (+0.76%) ) - 10%
• iShares Global Select Dividend 100 ($ISPA (+1.16%)) - 10%
• Fidelity Global Quality Income UCITS ETF ($FGEQ (+1.16%)) - 10%
• VanEck Morningstar Morningstar Developed Markets Dividend Leaders UCITS ETF ($TDIV (+1.29%)) - 10%
• JPMorgan Global Equity Premium Income ($JEGP (+0.27%)) - 10%

I have chosen exclusively ETFs for my portfolio, all with global exposure, as I would like the portfolio to be managed as passively as possible, i.e., the ETFs themselves take care of reallocating the weight of companies within them.

The ETFs I have identified allow me to receive monthly dividends, however, I had some doubts regarding the choice of some:

• Better the $VWCE (+1.03%) or the $FWRG (+1.13%)? The latter is newer and has a lower TER, might it be worth choosing it?
• I am undecided between the $VHYL (+1.24%) and the $VWRL (+0.96%), in that although the former pays twice the dividend as a percentage, it has a much lower NAV growth than the latter. Which one do you recommend between the two?
• I am very undecided about whether I really need to add ETFs $ZPRG (+0.76%) e $ISPA (+1.16%), as they offer very high dividends, but their growth has been very low. For the $ZPRG (+0.76%) I could add that 10 percent to the $FGEQ (+1.16%), as they pay the same months, while as for the$ISPA (+1.16%), I don't know of any other ETFs that can pay in the same months (January, April, July, October).
• Is it actually worthwhile to allocate part of the portfolio to accumulation, or is it better to invest everything in distribution from the beginning? My goal would still be to convert everything to distribution in the distant future.

Beyond these doubts of mine, I am happy to hear other advice about portfolio organization.

Thanks in advance!

I carefully buttered up a small tranche. I was quite shocked by the ups and downs. Rather cautious as a beginner!

Hello community!

In view of further unrest in world trading, I am considering replacing my current MSCI World $IWDA (+0.94%) for the All-World from Vanguard $VWCE (+1.03%) for the All-World from Vanguard.

Idea: a little less USA, but a little more emerging markets..does that make sense at the moment? The tariffs, which are currently difficult to calculate due to Trump, are more likely to hamper China etc. for at least the next 90 days. That puts my theory into perspective.

How do you proceed? What advice do you have?