No_Hope5705

Hi everyone, I’m setting up a custodial account for my newborn to access at 18. I'm torn between two approaches:

1. The DIY Route: 100% VWCE (Vanguard FTSE All-World). Simple, low cost, broad exposure.

2. Managed Account: They offer a managed portfolio service, but the fees seem steep:

€200 setup fee.

0.1% monthly management fee (that's 1.2% per year!).

Plus a performance fee if they beat their benchmark.

Question: That 1.2% annual fee sounds like a wealth killer over an 18-year timeframe. However, for the Managed account their YoY is around 13-16% in the past 8 years. What would be the best route?

Salut! Am fost cativa ani Cloud Engineer / DevOps, acum sunt manager, coordonez echipe si discut cu clienti, dar nu mai ating deloc partea tehnica.

Simt ca vreau sa revin la “hands-on”, sa construiesc si sa invat din nou tehnologie, nu doar sa organizez oameni. Ce m-ati sfatui ca urmator pas? Certificari noi (AWS, K8s)? Contributii open-source? Sa caut un rol de technical lead / architect?

A mai facut cineva tranzitia inversa, din management inapoi spre tehnic? Cum a fost?