$SPY5 (-0,37%)
$VWCG (-0,3%)
$EIMI (+0,1%)
$WSML (-0,6%)
$VJPB (-0,56%)
$CPXJ (-0,64%)

Which of the three allocations do you think is best for a monthly savings plan? Or would you do it completely differently? If so, how?

I'm 30 and have a long investment horizon.

I already have these ETFs as core and don't really want to sell, otherwise I'll have to pay a lot of tax.

I have just started looking into personal finance and would like to get your opinion.

I currently have two accumulating ETFs in my portfolio:

• $IWDA (-0,44%)
• 
  $VWCG (-0,3%)

I save monthly in both with a long-term investment goal. I am now thinking about a third accumulating ETF to diversify more broadly - preferably without any major overlaps. I would also like to add a distributing ETF with a good dividend yield for some cash flow.

In your opinion:

Which accumulating ETF would be a good addition to IWDA + VWCG? Does it make sense to also include thematic or sector ETFs?

Do you have any recommendations for a solid, broadly diversified distributing ETF?

Many thanks in advance for your tips! 🙏

Hi guys,

As an ETF newbie, I want to start with a savings plan with 300€/month. For this, I will invest to ⅔ the $VWCE (-0,36%) and at ⅓ the $VWCG (-0,3%) savings plan.

My reasoning for this is that due to the $VWCG (-0,3%) the high share of the USA of the $VWCE (-0,36%) and thus get more Europe in.

Does this make sense from your point of view?

ETF Savings Plan

ETF Savings Plan

ETF Savings Plan

ETF savings plan

ETF savings plan

ETF savings plan

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