@Wealth-Accelerator All ETFs have their pros and cons! As it is now, I feel well positioned! Whereby the $VWCE is actually my pension insurance, as I've never paid into this circus 😉
I've switched my saved ETF a few times myself, but always using fresh money. I estimate your costs for taxes and spread are roughly at the level my family can live on for 1 month 😬
@Wealth-Accelerator So my annual one is definitely gone! But I also deliberately wanted to reduce the Vanguard a bit! So that the weighting remains roughly the same!
@BavarianLion I had to pay in for about 1.5 years. Then I was also self-employed and I didn't join the Chamber of Architects so that I wouldn't have to pay into the pension fund. My colleagues always looked at me with pity because I wasn't in the chamber and wasn't allowed to use the sacred title. They didn't understand that they should have felt sorry for themselves.
@NichtRelevant You have to imagine, there are actually people who say to me (when I mention that I have never paid in): You'll be surprised later! 😂 But I no longer get involved in these discussions, because anyone who still believes in the state pension today is doomed anyway! 🤪
@Wealth-Accelerator I'm in no way a belligerent person, but sometimes I could get really angry when you see how stupid or gullible some people are... For that reason alone, for example, I don't watch TV anymore, it just upsets me 😂
