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Cristiano
@Rocketman_23
4J·

STUTTGART STOCK EXCHANGE, ETC., AT 100 GRAMS OF GOLD

What do you think about including the ETC mentioned above as a 10% allocation in a children's investment portfolio? Or would you prefer just an ETF?

$EWG2 (-1,82 %)

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14 Commentaires
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Jakob C.@Creutzfeldt_Jakob
4J
My personal opinion: There’s no need (yet) for gold in a children’s investment account. The account essentially has many years ahead of it, so I’d prioritize performance with a global ETF and add gold—as a stabilizing anchor—much later.
For my three kids, the MSCI World is the one and only option in their savings plans.
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HardRockDividende@HardRockDividende
4J
Stick with the ETF. Save consistently. Let it ride. Compound interest is on your side.
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Thorsten@silverbug999
4J
I would invest only in stocks and not choose the MSCI World Index, since it heavily underrepresents Asia. Or choose the World Index and add an Asian component to it.
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Jakob C.@Creutzfeldt_Jakob
4J
@silverbug999 I think it's a bit overengineered for a kids' portfolio. In my opinion, there will be plenty of time in a few years to set priorities, make adjustments, and so on.
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Thorsten@silverbug999
4J
@Creutzfeldt_Jakob I think the ACWI is better because it includes, for example, China, India, Taiwan, Brazil, etc. I don't see what's overengineered about it.
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Jakob C.@Creutzfeldt_Jakob
4J
@silverbug999 You wrote that you would only invest in stocks or in the World index and add an Asian component to it. Both are simply unnecessarily complicated, in my view. An ACWI IMI—which, by the way, I also invest in—isn’t overengineered, of course. But you didn’t mention that 🤷🏼‍♂️
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Thorsten@silverbug999
4J
@Creutzfeldt_Jakob Then I didn't express myself clearly. I just meant an ETF or a second one on top of that. I didn't mean individual stocks. To me, ETFs are stocks too 😎
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Metis@Metis
3J
@silverbug999 Not all ETFs are made up of 100% stocks. 😅
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NichtRelevant@NichtRelevant
4J
I would also focus primarily on global ETFs. For my kids, that’s currently the $VALLD (100 euros per month per child in a savings plan). I also have a very small Bitcoin position in the kids’ portfolio, with 25 euros per month per child. That, in turn, is funded by a distributing EuroStoxx ETF, which I set up as a one-time investment.
Gold is good, but I’d view it more as a hedge once the portfolio has grown a bit.
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Cristiano@Rocketman_23
4J
@NichtRelevant How do you invest in Bitcoin?
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NichtRelevant@NichtRelevant
4J
@Rocketman_23 I do this through $BITC.
I'm sure a lot of people will say that's nonsense, but I don't want to deal with setting up my own wallet and all that. And this way, I can just let it run automatically as part of my savings plan without any hassle.
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Cristiano@Rocketman_23
4J
@NichtRelevant I do that too, but as a one-time investment.
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Cristiano@Rocketman_23
4J
I currently hold the following positions:$XAIX
$XDEM
$GOOG
$21BC The first two are held through investment plans.
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NichtRelevant@NichtRelevant
3J
@Rocketman_23 Interesting. So you're taking a much more aggressive approach with the kids' investment account than "just a global ETF."
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