Vanguard ESG Global All Cap ETF

ETF

ISIN: IE00BNG8L278

Ticker: V3AA

IE00BNG8L278

V3AA

Price

Discussion about V3AA

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DiviMike

@DiviMike

1Wk·

Trade Republic introduces children's custody account - ETF savings without fund costs until 18!

Trade Republic launches a new, innovative offer for families:

With the children's custody account parents can now invest for their children easily and free of charge - and with special benefits:

📌 The most important thing in a nutshell:

Available immediately: Children's custody account without waiting list, opening completely digitally via app.
Free ETF savings plans: Share and ETF savings plans are also free of charge in the children's custody account.
Interest included: Currently 2.25% interest p.a. on the entire balance.
Unique:
No fund costs for selected Vanguard ETFs - are credited as "Trade Republic child benefit" and automatically reinvested.
These include the $VWCE (+1.27%) the $V3AA (+0.89%) and the $V80A (+1.24%)
Longer-term benefit: Fund cost exemption applies until the child's 18th birthday.
Savings function: Family & friends can contribute regularly to the custody account by direct debit.
Use the tax-free allowance: Invest up to approx. €13,000 a year tax-free for your child.
Early start pension at a glance: Preparation for planned state subsidy (€10/month from 6 years of age).
Long-term wealth accumulation: With €100/month from birth & 7% return: over 43,000 € with 18 yearsin the long term up to 1 million in retirement possible.

🎯 Target (according to Trade Republic):

To make early and efficient provision for children - for education, self-employment or retirement provision. Trade Republic makes private wealth accumulation easier, cheaper and more collaborative.

➡️ Conclusion:

A strong offer for families - with ETF savings at no ongoing costs, digital opening and the opportunity to build up assets for children together with family and friends.

Source: https://www.mydealz.de/visit/threaddesc/2577880/11853718

18 Comments

Alpalaka@Alpalaka

1Wk

I have no desire to open a children's custody account with such a dodgy broker. Better stick with ING

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ElShib

@ElShib

1Yr·

What if Stagflation becomes real and we repeat the 70s? What if we get 5-10 years of economic trouble?

Sure it is only a scenario, and sure, we can again see the money printers turned on and delaying the problem once again, but the probability of seeing some harsh times is increasing.

In such scenario we are probably better of with some diversification and not heavy on any specific item except some real $GOLD (physical or digital backed like $PAXG (+0.12%) or $GZUR or other) to hedge for eventual loss of value of money (and some $BTC (+0.47%) for those more willing to believe in it - on a side note, I am, but not financial advice).

Besides gold, a well rounded diversification with a mix of countries and more protective sectors and solid companies who do not require heavy end user consumer for survival might not be a bad idea. Also diversify in currencies, using not just USD but also EUR and CHF and whatelse fancys your likes, might offer some extra protection.

For diversification on the traditional sector:

ETFs with world allocation and good diversified allocations, an higher allocation on the portfolio then the other items below - maybe $VWCE (+1.27%) or $ACWI , in addition to add more diversification one can also use $V3AA (+0.89%)
ETFs with diversified allocation on energy - $WEEG (+1.38%) or other
A small ammount of diversification also in emerging markets and other markets in complement to the above products, like for example $EIMI (+0.78%) and $WTIF
Stocks for solid companies, not heavy consumer dependant and also sectors like health, public services and energy - for example $MSFT (+0.93%) or $WM (-0.36%) (but avoid others consumer dependant like the plague - example $META)
Commodities and rare matterials like $COPPER, $OIL and $GAS if things do start to get bad will also probably be a good choice further down the road