Meal time community,

The year is coming to an end and we still have around €250 in tax-free investment income which I would like to transfer from $WLD (which I no longer save and will liquidate in the medium term to fully utilize capital gains) into $VWRL in the medium term.

The following questions arise for me:

• At ING (or in general) the FiFo principle applies, right?
• So I will look in the statements when I had the first share, how much it cost me and take the difference to the sales price -30% tax exemption for ETFs, right?
• Since I am hoping for a small Santarally, is it best to sell on the last trading day --> 30.12.2025 after 15:30 in order to have the smallest spread? The reallocation then takes place with savings plan execution on 02.01.2026.

Am I missing something? (especially with the trading days)?

Looking forward to answers and stay healthy :)

Meal time folks,

the title already asks the right question.

At the moment, 40% of my current portfolio consists of the $WLD . 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 sell (taking into account the saver's lump sum) and switch to $MWOE and reallocate. Alternatively $HMWO .
• Stop the savings plan at $WLD stop, let the position continue and from next month simply save a new position with $MWOE (TER 0.12%) / $HMWO (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 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

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

5Tsd € $XD5E

2Tsd € $WLD

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

Reallocation from $WLD 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 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 and am currently considering changing the savings plan from 2024 from the $WLD with 0.3% TER to the other World or Prime Global.

To the popular Ishares $XDWD respectively $XDWL 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 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

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

100€ - $VUSA

150€ - Daily deposit account for nest eggs

100€ - Unit-linked pension insurance

70€ - $XAIX

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 (+0.1%) 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
$WLD
$LYPS
$n/a
$n/a 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 ☺️