@six Good and justified idea. I decided to separate for reasons of "mental accounting" and, of course, to benefit from further opportunities for returns.
@opportunity_seeker_138 then you could also simply open a custody account and use a separate custody account for each target, but the same ETF. I think there is also a broker somewhere with "sub-custody accounts", so it would be a bit easier.
@KevinE I have my own access for the children, which I can also access via my app with their own extra account and 2 custody accounts, e.g. with their own reference accounts. Works well. It's just that the fees are much cheaper with other banks like trade republic etc
