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six@six
6Mo
Why not simply use an ETF (All World) and then withdraw the respective amount when needed (house loan final maturity, final car loan payment, etc.)?
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Investanker@opportunity_seeker_138
6Mo
@six Good and justified idea. I decided to separate for reasons of "mental accounting" and, of course, to benefit from further opportunities for returns.
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Kevin E.@KevinE
6Mo
@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.
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six@six
6Mo
@KevinC ING offers this. I have 3 custody accounts there, each with the same ETF (1x for me and 2x for my kids).
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Kevin E.@KevinE
6Mo
@six Wow, I didn't know that. I'm with ING 😅
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Kevin E.@KevinE
6Mo
@KevinC Is everything theoretically in my name?
Creating a junior custody account for the (future) kids is a given anyway
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Investanker@opportunity_seeker_138
6Mo
@KevinC Good idea. In fact, the All-World is also already running at ING and TR. Being the latter for roundup saving...
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six@six
6Mo
@KevinC Yes, of course. All 3 are in my name. The children each have their own extra account + junior custody account.
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Kevin E.@KevinE
6Mo
@six I have just tried it out. But can't I just add it to the custody account like an extra account?
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six@six
6Mo
@KevinC Unfortunately I no longer know. I had it done by the hotline at the time.
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Dorni@BTF_broker181
4Mo
@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
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