My personal opinion: There’s no need (yet) for gold in a children’s investment account. The account essentially has many years ahead of it, so I’d prioritize performance with a global ETF and add gold—as a stabilizing anchor—much later. For my three kids, the MSCI World is the one and only option in their savings plans.
A year later, a lot has changed in the portfolio - not just a year older 🫣 😉
My strategy is now a core satellite strategy. Whereby the core ($VWCE (-1.2%) , $TDIV (+0.41%) and $EIMI (-2.82%) is). The satellites are a mix of $BTC (-3.87%) , $EWG2 (-1.82%) , $SSLN (-5.63%) and momentum models such as $DE000LS9U6W1 (-2.85%) and $DE000LS9VVV3 (-8.95%) . I have currently stopped my savings plans, as I have added to them over the last few months when prices were a little lower. And I am currently 85% invested with my assets. However, I would like to invest another €5k in the momentum models, which are already on the broker and limit orders have been set (so that I reach roughly 10% with the momentum models). In addition, my plan with $BRK.B (+1.79%) has not worked out at the moment, as I still have a loss pot of just under 700€. So I'm still holding on, and as soon as that is reached, the amount will be invested in the other positions.
I'm 26 years old and have been working for 8 years, but have only been investing for just under 4-5 years. Let's see how it goes and when I'll be back under six figures, probably won't take that long with the rollercoaster ride 😅
That concludes what I started in October. BTC is empty. Since that was more or less play money for me. Will now be invested in the @Epi lepsis $DE000LS9U6W1 (-2.85%) .
$EWG2 (-1.82%) will follow in August and go into my main portfolio.
This means that I will soon be well undiversified again in terms of asset classes.
I am currently considering whether I should switch completely from Trade Republic to Scalable. Also with the background that Scalable offers 2.5% interest for the call money account.
I'm actually only with Scalable because of the $EWG2 (-1.82%) because it is not eligible for savings plans with either TR or ING.
As far as I have now read, however, I cannot make automatic deposits from this call deposit account to my broker account or use it as a reference account to make my savings plans.
Do I see that correctly? 😶
Then Trade Republic would be for me. The better function Eben only has 2% interest.
Last summer I moved all my securities accounts, including Traderepublic, to Scalable Capital. Everything went quickly and smoothly. Even the purchase prices have all been corrected in the meantime. I am completely satisfied 😌🙏
I've been rebuilding my portfolio for a while now. I can't beat the market and I don't have the time or the knowledge to look at every single asset ultra closely. The portfolio is invested for retirement (I have 23 years left). Until then, the dividends will be reinvested.
The $EWG2 (-1.82%) and $BTC (-3.87%) should round off the portfolio with 3-5%. A maximum of 1 to 5 individual stocks can (should) be added over the years (max. 2% each)
Now I am asking myself whether I should add a momentum ETF of a certain size: e.g. $IWVL (-0.87%).
What do you think and would you recommend this or another momentum ETF?
Thank you very much for your swarm knowledge and help
In my opinion, no. Just hold it. But I would weight gold with at least 10%. More like 15%. Especially if you otherwise only have equities and no bonds.
For momentum, I recommend the Wikifolio certificates from @Krush82 and @Epi as an addition to your portfolio.
