Hi everyone,

I’m 20 years old and have been investing for about a year now, mainly in an S&P 500 accumulating ETF through a monthly plan. Recently, I decided to diversify globally and bought $VWCE (-2,49 %) , but I’m having second thoughts.

I’ve been reading about $FWRG (-4,04 %) (Invesco FTSE All-World Acc), which tracks the same index but has a lower TER (0.15% vs 0.22%). Since both are accumulating and follow FTSE All-World, I'm wondering if it makes sense to switch to FWRG for better long-term efficiency.

Would it be worth selling VWCE and going with FWRG instead? Or should I just stick with VWCE since it’s more established and has more liquidity?

Any thoughts from long-term investors would be really appreciated!

Let's see if China and the USA can reach an agreement .

$CSPX (-2,83 %)
$VUSA (-2,94 %)
$SPY5 (-2,76 %)
$VWCE (-2,49 %)
$SPYI (-2,41 %)
$SPYY (-2,84 %)
$FWRG (-4,04 %)

Source: George Maroudas, CFP® @ChicagoAdvisorR

Hi all,

I'm new on the GQ community and started looking into investments roughly by the end of November last year. I’m in my early 30s and currently have a modest portfolio that I manage using a buy and hold strategy, focusing primarily on long-term growth with a small portion allocated to more speculative stocks I believe in (I'm in the field of AI myself).

The bulk of my portfolio is in a world ETF for simplicity and stability ($FWRG (-4,04 %) , which I prefer since it's new and has a lower TER than the $VWCE (-2,49 %)) with a smaller speculative portion for fun, like some positions in $NVDA (-3,62 %) , $ASML (-5,12 %)
$XAIX (-4,77 %) ).

Beyond the numbers in my portfolio, I have also saved enough to cover around 1.5 years of expenses as an emergency fund, plus extra funds for legal fees and a potential down payment for a house next year. This is why my investment capital might seem modest for now.

For additional liquidity and some testing, I also use Go&Grow from Bondora to generate some extra cash flow at 6.75%, which is far better than my bank’s 1.8% after-tax rate. I briefly considered Trade Republic’s savings account, but the interest rate keeps declining, and since I may move countries in the near future, I decided against it. Based on reviews and customer support feedback, moving countries with TR can be complicated. Instead, I’d rather take a slightly lower return but keep my cash more accessible—the bulk of it in my bank account (even if below inflation) and a "testing" component in Bondora, despite it not being covered by EU deposit protection.

My current strategy for now is to maintain a 70-80% allocation in $FWRG (-4,04 %) and keep the rest in speculative stocks / ETFs for "fun". I’m planning to contribute €800-1000 per month on average to my portfolio (just for ETF/stocks part, not for cash) throughout this year.

Since my investment horizon is long-term (retirement-focused), does it make sense to continue with this buy-and-hold approach? Should I consider any adjustments (like simplifying the portfolio further, I know it's not very diversified, or adding other speculative stocks by keeping the 80:20 allocation), or am I on the right track?

Would love to hear your thoughts.

Hi,

I started investing in the$VWRL (-3,55 %) I am now around 3k in but I am getting more interested in dividend portfolios. Is it a good idea to split my investment to go in a accumulating world etf like $FWRG (-4,04 %) and the other half into dividend stocks like $JEGP (-5,63 %) ? Or should I stick to one or the other?

Hi, I invested in the$VWRL (-3,55 %) but I think I am gonna switch to $FWRG (-4,04 %) ( let me know what you think). I am also interested in dividend stocks like $JEGP (-5,63 %) and $TDIV (-2,98 %) is it a smart move to get such etf or is it better to get something like $PEP (-2,04 %) . Any other advise is welcome!!