3Wk·

Your opinion

I would like to invest €50 a month in a savings plan for my eight-year-old daughter.

Do you think it makes sense to invest part in the $VWCE (+1.03%) and part in the $VUAG (+0.71%) to invest?

Or just all in one of the two?

and which one would you prefer in this case?

Thank you!

12 Comments

Ella Marie Waschbär@DividendenWaschbaer

3Wk

Put everything in the $VWCE and you're done.

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Dominik@finanzwolf3

3Wk

I only use $VWRL for my son. I think this is the most relaxed way for him later on. Even if he can't relate to shares or finance, it should be manageable.
But most importantly: it's cool that you're doing something at all. There are plenty who don't 🙏

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Martin P.@Marpo

3Wk

@finanzwolf3 and why did you choose the distributing one, is there a specific reason?

Have you opened a custody account for your son that is in his name, or are you doing it through yourself?

Many thanks in advance!

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Privatier@c05

3Wk

@Marpo In my opinion, the advance lump sum on accumulating ETFs means that there are no longer any huge tax differences compared to the model where I simply reinvest the dividends. Then pay the advance lump sum from the December/January dividend... I don't always want to pay tax on fictitious profits.

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Dominik@finanzwolf3

3Wk

@Marpo good attention 🙏
I made a mistake in my previous comment. Also use the $VWCE

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Marco@MarcoZ

3Wk

Everything in the $VWCE. The $VUAG is very American in my eyes. Otherwise, both are not bad.

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Stefan@Slucks87

3Wk

I have the s&p500 running for my kids, it just has the better return, and yes america but........ the companies all make global sales...

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Martin P.@Marpo

3Wk

@Slucks87 Yes, I was thinking along the same lines and also think that the market in the USA will continue to develop positively. At least for a long-term investment.

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