(@Aah91) su getquin

5Mes·

Hello everyone,

I need your help.

I have been saving for a custody account for my daughter since last year. She was born 5 weeks ago.

At the moment the custody account is still in my name and I want to keep it that way for the time being. (Yes, I am aware that this reduces the return due to tax compared to a junior custody account, but I feel more comfortable with it at the moment).

I'm currently saving €50 plus X. Money that was given as a birthday present was added on top.

You can see the portfolio attached.

I started with 50% $LYPG (+0,32%) and 50% $ACWI .

Then later I added the $IEMA (-0,23%) added later.

At the moment I am saving about 45% of the $ACWI and the $IEMA (-0,23%) and with 10% the $LYPG.

Now Grandma would also like to save 50 per month and we have agreed (for reasons) to do the whole thing on my custody account. (Again, I am aware of the advantages and disadvantages).

Now to my question:

What would you guys recommend grandma should save in if it's going to be her own position(s)? How would you divide up the €50? Just take another All World and EM? Or would you rather include a sector ETF?

Many thanks for your support and your patience in reading so much text.

Greetings

aah91

15 Commenti

5Mes

Everything in one all world and ready

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Marcel@Mcl1991

5Mes

Congratulations on the offspring 😌 🤗
I wouldn't add any more positions. Especially not double indices, but put the capital into the All world etf as well. The more capital is in there, the more it can work.
Why should it necessarily be another position?
And why did you choose $ACWI as the core?

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GreenWash@GreenWash

5Mes

There are already EM in $ACWI, whether you want to weight them higher than is automatically done is of course up to you. But I would simply add the $ISAC or $SPYI.

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Aktienmasseur@Aktienmasseur

5Mes

Far too complex an idea. At the end of the day, the stock market is about returns. You invest money and want to achieve the maximum with as little effort as possible. You should use the right vehicles for this. The grandma thing is not an argument but simply a lack of understanding.

"Yes, we have saved the same ETF 8 times for you because grandma is analog."

You can also explain the digital world to grandma.🤨

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Leonardo@Leoriccioni

5Mes

Your ACWI is too expensive. Search the same etf but with more less cost. 0,5% for a ETF is very high. You can find etf for 0,1% or less than that

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Julian@MoneyISnotREAL

5Mes

Only save in one ETF. I would go for your physical replication AND choose a much cheaper ETF (max. 0.2% TER). Amundi already offers the MSCI (without emerging markets) for 0.05% TER.
That is 9x cheaper than your chosen ETF (0.45% to 0.05%)

ACWI = with emerging markets
ACWI IMI = with emerging markets and small caps

Keep it simple. You're already putting far too much effort into this than necessary.

Grandma can either make a standing order to the clearing account, give you the money in cash and you invest it, or or.

Sector ETF for long-term investment ... Better not. How do you know that the sector ETF will still be running in 20 years' time?

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