After a lot of research I am finally making the step (hopefully) towards an early retirement. I am just uncertain about which fund to go for and maybe you guys could give a suggestion? Anything is truly welcomed.
I am considering to put 80% into a fund and leave the other 20% in cash, which I might move into bonds at a much later stage if it makes sense.
My fund choices are:
VWRL: Vanguard FTSE All World UCITS ETF
SWDA: iShares Core MSCI World UCITS ETF USD (Acc) (90%)
EIMI: iShares Core MSCI Emerging Markets IMI UCITS ETF (10%)
I like VWRL because it is a single fund and contains emerging markets (perfect for the lazy investor). I don’t like that it is a distributing fund.
I prefer SWDA and EIMI since they are accumulating. But then I have two funds to maintain with a slight higher TER than VWRL.
All the funds have ESTV reporting, so my understanding is that tax should not be too much of an issue?
And just a quick background: In my early 30s, healthy pillar 2 and a maxed out pillar 3 with savings accumulating and doing absolutely nothing.