This month, another €3,000 went into my two ETFs, of which €2,000 went into the $VWRL (-1,51%) and €1,000 into the $TDIV (-0,49%) .

This means that €6,900 has been invested so far this year.

This month I was also considering $LDGL (-0,55%) but postponed this for the time being to see how it performs and whether it fits into the portfolio.

This month, another €3,000 went into my two ETFs, of which €2,000 went into the $VWRL (-1,51%) and €1,000 into the $TDIV (-0,49%) .

This means that €6,900 has been invested so far this year.

This month I was also considering $LDGL (-0,55%) but postponed this for the time being to see how it performs and whether it fits into the portfolio.

Fewer purchases this month due to internship.... Anyway😅

$VWRL (-1,51%) 8x

$TDIV (-0,49%) 10x

$BTC (+0,74%) €100

I am 27, married and father of a little daughter (17 months).

We started investing in 2021 - not at some point, we just did it.

It was clear to us early on that we weren't just doing this for ourselves, but also for our daughter.

Today, our portfolio stands at around € 205,000.

My strategy:

I deliberately keep it simple and long-term:

• FTSE All-World as the basis
• I specifically build up emerging markets (target: approx. 20%)
• VanEck Dividend ETF for cash flow
• Bitcoin as a small admixture

Individual stocks such as Allianz & BlackRock and VHYL are simply running along, but are not being saved any further.

My current savings plan (€1,300 per month):

• 500 € All-World
• 250 € Emerging Markets
• 250 € VanEck Dividend
• 300 € Bitcoin

👉 We also save € 130 per month in the VWRL for our daughter.

Our plan:

Build up assets over the long term, stay calm and invest consistently - with the aim of creating financial security for our family for decades to come.

👉 The dividends are currently not reinvested, but are instead parked entirely in the Scalable call money account in order to gradually build up a nest egg of €8-10k.

Looking forward to the exchange 👇

PS: The second $VWRL (-1,51%) with about 4000 € is the children's custody account.

$VWRL (-1,51%) it remains boring (for now).

Recently I have been looking a little more closely at the $UI4L (-1,99%) and compared it with a classic world index like the $VWRL (-1,51%) especially in terms of costs.

Performance in comparison (approx. values, cost-adjusted)

1 year:

• UniGlobal: ~+10-11 %
• FTSE All World: ~+12 %

3 years:

• UniGlobal: ~+49 %
• FTSE All World: ~+53 %

5 years:

• UniGlobal: ~+60-61 %
• FTSE All World: ~+68 %

Meaning: Despite active management, the $UI4L (-1,99%) slightly behind the broad market (and even relatively consistently).

If you look at the overall picture, it quickly becomes clear that the cost structure in particular plays a decisive role. While the $UI4L (-1,99%) comes with running costs of around 1.8% (plus a possible performance fee), an ETF on the FTSE All World is usually only around 0.15-0.25%. This difference has a massive impact on returns in the long term and explains a large part of the underperformance.

Nevertheless, I do not see the $UI4L (-1,99%) as a "bad" product across the board. Especially for investors who do not want to actively manage their portfolio or deliberately opt for active management, a fund like this can make perfect sense. The psychological factor also plays a role, you give up some of the responsibility and have the feeling that someone is actively steering you through market phases.

It was exactly the same for me: the $UI4L (-1,99%) is currently my core position and has given me a certain sense of security, especially in my first few years on the stock market, thanks to active management. At the same time, however, I am noticing more and more that I am becoming increasingly critical of the high costs and am thinking about at least partially reallocating the position.

In the end, the comparison shows me one thing above all: there is no clear "right or wrong" here. One $VWRL (-1,51%) is the more favorable and efficient solution from a rational point of view, while an active fund such as the $UI4L (-1,99%) may well be justified for certain types of investors - especially at the beginning.

How do you see it? Do you consistently invest in ETFs or do you also consciously hold active funds in your portfolio? If so, why?

~ No investment advice ~