1Sem.·

Your opinion

I would like to invest €50 a month in a savings plan for my eight-year-old daughter.


Do you think it makes sense to invest part in the $VWCE (-2,39 %) and part in the $VUAG (-2,1 %) to invest?


Or just all in one of the two?


and which one would you prefer in this case?


Thank you!

5
12 Commentaires

image de profil
Put everything in the $VWCE and you're done.
38
I only use $VWRL for my son. I think this is the most relaxed way for him later on. Even if he can't relate to shares or finance, it should be manageable.
But most importantly: it's cool that you're doing something at all. There are plenty who don't 🙏
2
@finanzwolf3 and why did you choose the distributing one, is there a specific reason?

Have you opened a custody account for your son that is in his name, or are you doing it through yourself?

Many thanks in advance!
image de profil
@Marpo In my opinion, the advance lump sum on accumulating ETFs means that there are no longer any huge tax differences compared to the model where I simply reinvest the dividends. Then pay the advance lump sum from the December/January dividend... I don't always want to pay tax on fictitious profits.
1
@Marpo good attention 🙏
I made a mistake in my previous comment. Also use the $VWCE
1
Everything in the $VWCE. The $VUAG is very American in my eyes. Otherwise, both are not bad.
1
image de profil
I have the s&p500 running for my kids, it just has the better return, and yes america but........ the companies all make global sales...
1
@Slucks87 Yes, I was thinking along the same lines and also think that the market in the USA will continue to develop positively. At least for a long-term investment.
image de profil
@Slucks87 No, the companies do not all generate sales globally. Around 60% of the S&P 500's turnover is generated in the domestic market.
1
1. no
2. yes
3. $VWCE
1
image de profil
Participez à la conversation