Got a letter that there are changes in the terms and conditions... all in English has anyone else received this and can translate?

Vanguard S&P 500 ETF
Price
Discussion sur VUAG
Postes
69Starting investment
$VUAG (+0,28 %) (but the acc version, not the dist one)
$EIMI (-0,19 %) (again the acc version)
Any suggestions?
Diversify
Hello
I am currently 100% in $VUAG (+0,28 %) .
Thinking of diversifying.
$VHVG (+0,21 %) , thinking about it. Any opinions?
Cruising
First time it has crossed that 250 landmark.
Trying to keep this simple.
Will we see further price rises in the S&P 500 in July?
$GS (+0,15 %)
$CSPX (+0,26 %)
$VUSA (+0,29 %)
$VUAG (+0,28 %)
$SPYL (+0,29 %)
$SPYD (+0,34 %)
$ISP6 (+0,72 %)
$SPXS (+0,27 %)
Goldman Sachs forecasts that the rally in the S& P 500 is likely to continue over the next few weeks before losing momentum in August. Historically, July is the strongest month for the S& P with an average gain of 1.67% since 1928, and the first two weeks are usually the best.
It remains exciting ✌️🚀

Cruising so slow
Cruising so slowly towards that £250,000.
Only on $VUAG (+0,28 %) .
Nothing fancy.
Target year is 2038 onwards. My 60th.
Fingers 🤞
Portfolio Feedback | Long-Term Offensive Investor (28 y/o, €80k) 📈🚀
Hi everyone,
I’m 28 and planning to invest €80,000 with a long-term, offensive strategy. I’m aiming for broad global diversification, focused on both value and growth. I’m totally fine having 60–70% of my portfolio allocated to the U.S. and with exposure to emerging markets as well.
Here’s a rough outline of the allocation I have in mind:
30–40%
Nasdaq 100
$EQQQ (+0,34 %)
$XNAS (+0,32 %)
$CSNDX (+0,33 %)
15–25%
S&P 500
$VUAG (+0,28 %)
$CSPX (+0,26 %)
$SPYL (+0,29 %)
10%
World ex US
$WEXU (-0,01 %)
$IE000R4ZNTN3 (+0,13 %)
$EXUS (+0,34 %)
10%
Small Cap US Value
$ZPRV (+0,59 %)
5% Small Cap World $WSML (+0,5 %)
$ZPRS (+0,18 %)
5% Emerging Markets (EM)
$EIMI (-0,19 %)
$XMME (-0,21 %)
5%
EM Small Cap
$SPYX (-0,26 %)
5–10%
India UCITS ETF
$FLXI (-1 %)
$QDV5 (-1,22 %)
Additionally (5-10%), I’m considering adding one or two of the following ETFs – would love your thoughts on which one(s) you’d choose and why (or not):
- $SMH (+0,82 %) | VanEck Semiconductor UCITS ETF
- $RBOT (+0,52 %) | iShares Automation & Robotics UCITS ETF
- $AIQG (+0,18 %) | Global X Artificial Intelligence UCITS ETF USD Accumulating
- $XDWT (+0,82 %) | Xtrackers MSCI World Information Technology UCITS ETF
Finally, I’m thinking of picking around 10 individual stocks as a satellite component. Any suggestions? 🚀
Curious to hear your feedback:
• What do you think of this ETF setup overall?
• Would you add or remove anything?
• Would you tweak the allocation? If yes, how and why?
I prefer accumulating ETFs only, and I plan to add €1,000–1,500 every month going forward.
Your thoughts are much appreciated! 🙏🏼😀
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