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?
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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•5Mes
@Mcl1991 Hey, thanks for your message. To the first question: It should be an extra position so that Grandma can say "This is from Grandma". Regarding the second question: I was wavering between World and All World as the core. I thought an All World would give me the broadest base and the least amount of work with hopefully a solid result when the little one gets her money.
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5Mes
@Aah91 Gladly 😌 okay so if that's your wish, then you could do that with another double position. However, I really wouldn't want to create a new/double position.
I'm a fan of sector ETFs, but I'm not that deep into them to say how they will perform in the long term. I mostly trade them in the short term.
However, I believe that sectors such as oil, uranium and healthcare will continue to be very important in the coming years. So you could take a closer look at ETF sectors.
You already have a tech ETF as an addition, so my first choice, a Nasdaq ETF, would no longer be an option.
With regard to the all world, I would have chosen another one because the TER of the $acwi is a bit high at 0.45%. The $FWRG, for example, has only 0.15% and the $VWCE only 0.22%.
I'm a fan of sector ETFs, but I'm not that deep into them to say how they will perform in the long term. I mostly trade them in the short term.
However, I believe that sectors such as oil, uranium and healthcare will continue to be very important in the coming years. So you could take a closer look at ETF sectors.
You already have a tech ETF as an addition, so my first choice, a Nasdaq ETF, would no longer be an option.
With regard to the all world, I would have chosen another one because the TER of the $acwi is a bit high at 0.45%. The $FWRG, for example, has only 0.15% and the $VWCE only 0.22%.
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5Mes
@Aah91 I think "this is from grandma" is a good reason to only take one ETF from all the relatives. Should the child now prefer the grandma because she has more money than the other grandma / aunt, etc.?
I personally think "This is from your family/relatives" is a much nicer touch.
I personally think "This is from your family/relatives" is a much nicer touch.
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@KevinC Thank you for your feedback. Grandma is still very analog and likes to go to her bank branch and fill out transfers on paper. That's why (and because she doesn't want to invest the money for 18 years and therefore doesn't want a junior custody account) she wants to invest it "with me". The clear separation therefore makes sense from my point of view and is understandable. It's not a question of "who gives more" or "who has more". It's just about the overview. In the end, it's the little one's money anyway and where it comes from plays a subordinate role.
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@Mcl1991 I'll think about taking one of the "cheaper" ones. I probably wasn't quite careful with my selection. I'll see if I can add a smaller proportion (maybe 10-20%) of a sector ETF for Grandma. As you mentioned, I could imagine healthcare or energy.
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