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I would be careful with the statement "certainly don't take anything out before 10 years".
Of course, I don't know your financial or family circumstances, but in 10 years you'll be 25 (or 22, if you include the 3 years your grandpa has been with you). There may be a few things coming up. A driver's license, studies, your own apartment (and thus your first home), vacations, discovering the world, possibly a car.
A partner with whom you do a lot of things, etc.

Of course, all of this may already have been considered. Just wanted to remind you 😉

Good luck for the future
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@DividendenWaschbaer Yes, I've factored in most of it, especially as I'll definitely be at school until I'm 19 and will probably be studying afterwards. However, I'm aware that you have to reckon with everything 😀

Thank you :)
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