Hey everyone,
I’m **25** and planning to invest **long-term — around 35 to 40 years — until I (hopefully) retire at 60**.
My life is very **nomadic**. I move often and have no fixed country of residence. I might live in **Europe, Asia, or elsewhere** throughout my life. However, there’s a high chance that I’ll eventually settle and become **fiscally domiciled in Europe**.
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## ETF Options I’m Considering:
- **VWCE / VWRP** – Vanguard FTSE All-World UCITS (EUR or GBP)
- **FWRG** – Fidelity World Index UCITS (EUR)
- **Vanguard Target Retirement 2060** fund (UCITS version)
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## My Main Questions:
1. **VWCE/VWRP vs FWRG**
- I know **FWRG has a lower TER (0.12%)**
- **FWRG is newer** – should I be worried about **fund size, liquidity, or longevity**?
2. **Does the ETF currency matter?**
- Should I **prefer EUR-denominated ETFs** (like VWCE or FWRG) since I may retire in Europe?
- Or is that irrelevant, considering **underlying assets are mostly USD-priced anyway**?
3. **What about Vanguard’s Target Retirement 2060 (UCITS)?**
- Is it a good **long-term, hands-off option**?
- Or am I better off building my allocation with **VWCE/FWRG** and adjusting it myself over time?
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## Any insights from other long-term or nomadic investors would be super appreciated.
Thanks in advance.