3Wk·

Junior portfolio - 100% FTSE All World or 70-80% +X?

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 (+0.53%) or 70-80% $VWCE (+0.53%) + X via a monthly savings plan.

As X I could think of $BTC (+0.33%) / $WGLD (+0.59%) / $WSIL (+1.83%) or also $EIMI (+0.71%) or $ZPRX (+0.95%) in order to be more broadly positioned.

My favorite would be 70% $VWCE (+0.53%) + 15% $WGLD (+0.59%) +15% $BTC (+0.33%).

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.

8 Comments

Sina@lawinvest

3Wk

I'm totally on board with your favorite! As far as I know, WGLD also has the tax advantage.
Personally, I would cut 15% more and include the nasdaq instead. The investment horizon is presumably long, so you can also take a bit more risk. So at least something with tech in it. I'm not so convinced by the MSCI IT things, because of the considerable overweighting of Apple, NVIDIA and Microsoft

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Dan@DanDoDan

3Wk

@lawinvest I have to correct myself in that certificates such as $WGLD are prohibited in junior custody accounts at ING. I actually didn't expect that. Do you see a good alternative here?

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Sina@lawinvest

3Wk

@DanDoDan Crap... yes, another portfolio. You could of course indirectly go into a gold miner or something like that, but in my opinion that is neither comparably crisis-resistant nor obviously tax-advantageous.

By the way, I find the classification as a certificate interesting. I've always wondered about this with Flatex and ING. euwax II(alternative!) is also classified accordingly

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Sansebastian@Sansebastian

3Wk

I only save the $ISAC

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Kai Nehr@Webda

3Wk

Why $WGLD and not $EWG2?

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Dan@DanDoDan

3Wk

@Webda $EWG2 is not eligible for a savings plan with ING.

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surgicalinvesting@surgicalinvesting

3Wk

I would go with 90% VWCE, 5% gold and 5% BTC

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Echsenkönig A.@Bezehgombjuderstimme

3Wk

I don't know how it is with your broker, but I can't invest directly in Bitcoin with my child custody account at FinanzenZero. I have to go in via an Etf. I think they want to prevent you from buying all the shitcoins for your child and the money being gone 😅

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