I'm currently setting up a junior custody account for my older son and I'm not sure whether I should put 100% into the $VWCE (+0,08%) or 70-80% $VWCE (+0,08%) + X via a monthly savings plan.
As X I could think of $BTC (-0,03%) / $WGLD (-0,43%) / $WSIL (-0,41%) or also $EIMI (-0,25%) or $ZPRX (+0,37%) in order to be more broadly positioned.
My favorite would be 70% $VWCE (+0,08%) + 15% $WGLD (-0,43%) +15% $BTC (-0,03%).
How did you handle this with your junior portfolios? I would appreciate your recommendation / assessment.
I have already looked into the advantages and disadvantages of accumulating and distributing ETFs and have decided in favor of the accumulating ETF. The dividends would be too low for automatic reinvestment and my objective is to avoid fees and taxes in addition to minimizing the effort involved in managing the custody account. Using NV, it may also be possible to reallocate once or for the first time after 8-10 years in order to take the profits tax-free.
