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Phew, difficult with the investment period and no starting capital. You won't close the pension gap with all the ETFs.
I've roughly calculated men REIT aka Realty Income and with a 7-year investment horizon you'd be at around €40 per month based on the current dividend, without reinvestment in the savings phase and without price fluctuations 😀 it's all a bit like playing Russian roulette. You could also go all in on Bitcoin, Solana or something else and hope that it does a x100 in exactly seven years and then switch to a distributor 😉
But seriously. I would be with your variant a whether it's a distributor or theaurizer, it doesn't really matter because it probably won't be exploited either way.
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@Hotte1909 I would go along with the idea - or a high dividend ETF (similar effect as reit)
If you have 10k full, you would have an annual distribution of 500€ with a div yield of 5%

With a 1.5% distribution, this is almost negligible
Wouldn't bring sooo much even with a 50k portfolio

Aim for a high distribution at that age
Lg
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