I would like to switch my remaining active funds (relics from earlier times) into a cheap ETF. I would be interested in your swarm knowledge for this. The investment period would be around 10-12 years - after that it is important for me to generate a "good" cash flow from it. That's why I first thought of the $VHYL (+0,11 %) - but the price performance is not that great. An alternative would be an MSCI World ETF (here the $HMWO (+0,26 %) - or is there a better distributing alternative for the index?) The $FGEQ (+0,06 %) is already being saved and I would therefore leave it out for the time being ( $TDIV (+0,29 %) and $GGRP (-0,09 %) I also had it on my radar at the time but opted for Fidelity). Therefore MSCI World or Allworld high dividend or one of your alternatives.