(@TB98) su getquin

TB98

@TB98

1Mes·

Hello everyone,

I want to set up a small share portfolio for my mother-in-law for her pension.

The investment horizon is around 15 years.

She plans to pay in €250 per month.

As soon as the subsidized equity pension option is available (2026), this will also be used.

Now I'm wavering between several options "70-30" method from $IWDA (+0,23%) and $XMME (-0,32%) or a $ACWI .

I could also imagine adding a $XDWT (+0,27%) to add.

Do you have any suggestions or impressions?

Thank you for your ideas!

#aktienrente
#etfs
#rente

17 Commenti

Kolibri@Renditedichter

1Mes

Everything goes into the ACWI and that's that.

•

Rmann@Epi

1Mes

If it's grandma and she's never had anything to do with shares, I would urge caution!
Not everyone can cope with a 50 or 60% slump, as stocks have already had a few times. The stress level often rises to such an extent that beginners sell at the lowest point and never want to talk about it again.

Ergo: a pure equity ETF solution is not for grandma because of the vola. An allocation with lower volatility would be better, e.g. Ray Dalio's all-weather portfolio. It rises less, but almost always. It's much more relaxed for Grandma. And ultimately for you too.

•

Visualizza tutti 3 ulteriori risposte