Is VWRA good?

This rule applies to both American and foreign-made vehicles. These vehicles are commonly referred to as "antique" or "classic" cars. The 25-year threshold is based on the date of the vehicle's manufacture, rather than the date of its registration or first sale www.youtube.com/watch?v=aIoQaLFhR7M

This is a short and weird questions. VWRA is an ETF that tries to mimic the FTSE All-World Index. So the question you should be asking is whether would it be a good idea to be globally diversified based on market cap?

I think you have to look at it in terms of returns, volatility, risks, uncertainty, your ability to capture the returns

1. When you invest in a global equity index, you have a philosophy that human production and population growth would be better in the future than in the past. This drives return. If you are pessimistic about this, then this concept may not always work for you

2. In terms of returns, it depends on the time period you live in. People like to say that the average return in the past 10 years have been 9-10% a year. But i could cite another time period where the 10 year return is 0% a year. Your returns depend on the time period you live in. One thing that will work for you is that if you dollar cost average into the index, you diversified across the time period. each of you $1000 a year goes through different 10 year periods. some good some not so good. overtime, the returns average out.

3. The volatility of the VWRA in terms of standard deviation should be about 16%. This means that there are like 16% probabilty that this ETF will suffer more than 9% fall (16%-9% average return). In a GFC scenario, which is nearly a 4 standard deviation event, there is like a 0.05% probability the VWRA is gonna suffer a 55% fall. Risk is always there. But there is also 16% probability your ETF will do 25% in a single year.

At the end of the day, your overall plan is more important. Treat the VWRA as a form of volatile savings account that at times can go down -20%.

Personally vested in VWRA

Btw, I wrote an article comparing the IWDA vs the VWRA. In the article, I showed the different period return profile for the MSCI All Country world index. Might be useful for you.​​​