Presentation (children) Depot

Focus on the $HMWO and perhaps keep "gimmicks" with individual values to a minimum.
Keep it simple ;-)

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@MoneyISnotREAL absolutely, that's how I do it

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He-Man D.@He-Man

Keep it simple $VWCE

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@He-Man right off the bat, the TER is slightly (not dramatically) higher and does not distribute, otherwise the weighting is similar... why is that one better?

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He-Man D.@He-Man

@Nobody_123 just simpel

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Pedi@Pedi

@Nobody_123 I'll explain it to you. What my colleague means is. Don't make it too complicated for yourself and get one that is based on the FTSE all world index, as it also includes emerging markets. This from a provider that is large enough and also the etf that is based on the above-mentioned index. By large, we mean the volume that the respective etf then has. Why? ETFs that are small and not growing could be closed and you would be forced to sell them, which of course generates taxes. You will hopefully know the respective advantages/disadvantages of ETFs that distribute dividends and those that do not. Choose the index, then suitable etf's, and then see how many positions/numbers the etf a, b, c really has and what it represents. Then put everything in, if necessary press USA a little with $MEUD

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@Pedi If that was the idea, thank you very much! Yes, emerging markets are not included in my MSCI World, if I have it right in my head.

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High distributions are advantageous, as children also have a tax-free allowance and do not have to pay tax on income up to 7480 euros. ...you have a nice portfolio ☺️

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@Moneymoney But you can also take advantage of this by selling shares in the ETF at a profit and buying them again directly (increasing equity).

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@MoneyISnotREAL also a way 👍🏻...First in First out principle!

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@Moneymoney That's the whole point 😏
Sell the shares with the highest profit (tax-neutral) and buy them again straight away.

Thus profit realized, but tax-free due to tax allowance. Only the order costs are incurred, which should generally be manageable compared to the volume.
(Tax effect significantly greater than the few € order fee).

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@Moneymoney Thank you!

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@MoneyISnotREAL well, at the moment you can buy cheaper than a year ago ... and maybe there will be even lower prices in the next few months 🤷‍♂️...but if you track it well, then your path is definitely feasible 👍🏻

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userc818a6f2df6247c9@userc818a6f2df6247c9

@Moneymoney You're right about that. I just hadn't outlined that thought at all! Thank you for the valuable addition - otherwise you fill your loss pot 😅

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@Moneymoney Is it possible to save taxes with children by transferring enough to them until they are 18 years old to get about 7k in dividends? With capital gains it is not so predictable

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@userc818a6f2df6247c9 No, it is a gift and therefore the child's money cannot be returned. I still find it very attractive

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stock_virtuoso_1968@stock_virtuoso_1968

@MoneyISnotREAL those who start today may not yet have any profits - and dividends will still be paid out - but your way is still good - the main thing is to take advantage of the tax gift. Best regards and continued good investments

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looks pretty good 👍👍

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TomTurboInvest@TomTurboInvest

@stock_virtuoso_1968 Thank you for your feedback

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A strong dividend payer such as $O is good from the point of view of the education factor - the portfolio generates ongoing cash. In my view, however, the proportion should not be too large, as it costs performance over the years. But it's always a matter of opinion...
ETF from Core plus a few individual stocks to boost the portfolio - there's nothing wrong with that.

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@TomTurboInvest Thank you for the feedback 🙏

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Leon@Investingyoung

The boy gets a big payment for his 18th birthday 🚀

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NichtRelevant@NichtRelevant

@Investingyoung That's how it should be 😉

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I think it's very nice. Just keep it up. 👍 (And because the kids' investment horizon is so long, it doesn't matter if prices are down a bit. The savings plan then runs in nicely and does its job).

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