What do you think, does it make sense $TDIV (-0.06%) as a 25 year old in addition to the $VWCE (-0.44%) to save a small part of it when it comes to long-term wealth accumulation? Or is it more of an ETF that you can switch into at an older age for cash flow?

Until a few days ago, I was very sure that after my restart I would switch from the distributing $VWRL (-0.27%) into the accumulating $VWCE (-0.44%) as my other two positions in the portfolio don't pay out any dividends either and it is said that an accumulating ETF generates slightly higher returns than its distributing counterpart with manual reinvestment.

However, my previous portfolio provided me with monthly distributions, which motivated me a lot in times of crisis - especially when I was able to follow the steady increases.

The accumulating variant will of course ultimately yield a few percent more, but is the difference still worth mentioning after the introduction of the advance lump sum? Would this be relevant with an investment horizon of 40 years?

Personally, I find steadily growing distributions simply super motivating, but of course I don't want to waste any returns "unnecessarily" either.

There would be no transaction costs for manual reinvestment and you could use the distributions directly for rebalancing.

What would you opt for?

Or what did you decide on and why?

Why, for example, is the price of the Vanguard FTSE All World acc $VWCE (-0.44%) is almost as high as the dist. $VWRL (-0.27%) ? Surely the value of the accumulator should be very different from that of the distributing fund these days?

After observing the markets for around 24 months now, I am beginning to understand why a portfolio consisting of just one world ETF could be the holy grail in the long term.

But I still have some doubts, my father has also moved from the simple world concept further and further into the multi-factor concept camp and has a more extensive portfolio than just one ETF, recently he even built his own ETF.

Perhaps the one ETF solution was ideal 10 years ago but has not arrived at 2025.

I would therefore like to ask you specifically whether, in addition to the $VWCE (-0.44%) it might make sense to mix in some of the following:

$TDIV (-0.06%)

$GGRP (-0.21%)

Some covered call things from Global X

and these secret dividend etfs from JP Morgan