I’m based in Europe, and this is the main source of my predicament. I am aware on how we should find 2/3 ETFs and just accumulate and forget. Rebalance once a year if needed and carry on.
My portfolio has a mix of single stocks which have done good and don’t plan to liquidate, but I also don’t plan to buy in more besides a very small portion of my budget every now and then when the stock is undervalued and would still be coherent with my long investment horizon.
I did some research and figured 3 ETFs that would give me the kind of exposure I feel most comfortable with, but while going through my portfolio ready to do my monthly purchase I realised the commission fee is on the higher end 3/4€) per purchase. The three ETFs are XUSA, VWRA and DGRW, and purchasing once a month will erode a portion of my cash in a way I’m not too comfortable with.
Question is: is it better to do bulk purchases, 1/2 per year, even if I don’t like cash idling in my account, or is there a set of ETFs which will do that same job without having such commission fee? I dotted the three ETFs I’m referring to, the other ETFs are either redundant or not as suitable as those three but I don’t plan to sell since letting them run won’t hinder a 25 year horizon portfolio.
Any question that can be useful to have a more “tailored” response is greatly appreciated.
Happy 2026!