Before I answer some context:
FIRE is not my goal. I was trying to find a way to put money aside and invest that fits my needs.
Also I have a strong need for keeping separate piggy banks for different goals. It’s the way I’m wired. And I have a compulsion to try out stuff.
If you want to FIRE, this is not for you.
I went with Avadis for the largest part of my regular savings. It’s really set and forget and I don’t even have an online access. Best for a good night’s sleep and it’s what I need despite the higher fees. Was also easy to explain to my wife. We opened two funds.
For a planned larger sum that I will need in 5-10 years, I went with monthly contributions to Selma. Very broad diversification, low volatility. (DM for Selma referral code.) Since the target amount is in the five figures, I can live with the higher fees. Selma was the second step on my investment journey and I think it’s great to get people to start investing. Several of my friends have started there thanks to me.
The solutions above have the advantage that you can attach a nice PDF to your tax declaration. No need to worry about how to declare dividends and buying and selling dates.
Whatever I don’t spend I dump into VWRL on DeGiro, manually. I’ve found VT on eToro and consider switching there because it’s cheaper. Knowing myself I’ll probably keep both.
Happy to answer other questions.