Ella (@DividendenWaschbaer) on getquin

3Yr·

Moin,

I have a question that keeps me busy. I still have two savings plans with Deka from "earlier". Once $OG7X (Deka MegaTrends CF 40€ mntl.) and $D6RK (DekaFonds-TF 50€ mntl.). With the dekafonds I have no issue surcharge but still 2.19% fee per year. With the MegaTrends I have 3.75% front-end load plus still current fee of 1.48%.

I know that these are expensive but I have already 80% profit with the MegaTrends and 70% with the DekaFonds. They both run great and honestly I'm afraid to sell or shut down.

I also do not know how to find a comparable ETF, because the Megatrends runs well. That was the first fund in my life that has now been running for 12 years.

My questions therefore:

How do I find comparable ETFs?

Should I stop the savings plans or just let them continue?

I just need Mal ne opinion, because I can not decide.

Thank you, who has read this far.

6 Comments

MoneyMaker@InvestmentDon

3Yr

2.19% fees is find already very high🙀 I would sell and reallocate to another ETF. Just for comparison, the very normal msci world has made over 100% since 2016. In addition, the even better diversified and costs only 0.2% 🚀🚀

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SharkAce@SharkAce

3Yr

Just look comparatively what return you would have with a World over the same time. If the value is the same or significantly higher, I would switch quickly 😅

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View all 2 further answers

Gamla S.@gamlasvensk

3Yr

I feel the same way, the megatrends runs as a vl and then I also have the bAV, which I save for myself. It's also difficult for me to part with it, as both are doing quite well. I definitely wouldn't take out a new VL with Sparkasse again, once the contract is over I'll switch to an etf (but scalable, for example, doesn't offer that at all and I just didn't want another provider). Until then, I'll stick with megatrends. The megatrends also consists mainly of the standard tech stocks, it's not that special. But you're smarter afterwards. I don't know whether I'll sell it after the VL period has expired.

I also don't know yet if and when I will part with the bAV.

So I'm like you, even though I know they're expensive, I'm still keeping them.

And there are much worse alternatives, like not investing or Mirk Düller

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Evgenja@evgenja

3Yr

The same here. I started investing with it and wasn't even aware of the rather high costs. Regardless of the good return, the shift will be worthwhile in the long term.

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