Denis (@Schneidi1985) on getquin

@Schneidi1985

10Mon·

Hi, I've been investing in funds since 2010 and have gambled a bit on the stock market from time to time, which always went well, except for this January when I took a dive into the toilet, well, that's part of it, I'd say. Since November 2023, I've been thinking that maybe I should stop gambling and build up something solid and long-term via a savings rate. (even though I hit the wall in January)

Now I have opened 2 brokers TR and Finanz.Zero

In TR (€ 238 per month) I wanted to save in individual shares and in FZ - ETF's (€ 225 per month) my funds continue to run in parallel with € 150 per month and then there is another € 200 per month on the call money account. Monthly investment of € 813

Now I've thought about the following and wanted to ask you for your opinion:

TR (admittedly it's a bit like gambling again :) )

$BAYN (+0.17%) 12€ per week

$KO (-0.4%) 12€ wö.

$AMZN (+0.26%) 50€ monthly

$IFX (-1.35%) 12€ weekly

$PYPL (-0.38%) 12€ weekly

$XAIX (+0.11%) 75€ monthly

$LYPS (+0.33%) 50€ per month

$LYY7 (-0.47%) 25€ per month

$BITC (-0.04%) 50€ per month

$EXSH (-0.34%) 25€ per month

DeKa

DekaFonds CF DAX $n/a perf. 18.59%

Deka-GlobalChampions CF $n/a perf. 32.78% (since 2018)

In addition, I am currently undecided whether I should liquidate the funds and rather invest in the ETFs because of the lower fees or leave the ETFs.

What do you think? Investment horizon, there is no concrete one, the €800 a month doesn't hurt me and I would only spend it on nonsense anyway.

17 Comments

Blacki704@Blacki704

10Mon

I would definitely liquidate the Deka funds, the fees and running costs are far too high. As far as I know, deka also has a clause that a 15% return or (per year) higher can/must also be paid to deka 😬

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Ironman@Ironman2022

10Mon

Deka funds 🗑📉🦵Far too high costs that simply cannot be justified!
Instead, e.g. $IWDA $SPPW $VWRL or similar.

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Ironman@Ironman2022

10Mon

I would sell the funds and immediately switch to a call money account with good interest rates or a TR clearing account with 4% interest. From there in a few larger tranches into well selected, favorable world ETF(s). I would choose the division into tranches because the prices are currently quite high. Otherwise I would invest everything at once.
Let the ETF savings plan run, of course.

No investment advice

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Markus@financial_genius_20

9Mon

In contrast to most of the other comments, which always find funds stupid because they are "far too expensive", I would recommend continuing to hold Deka GlobalChampions. Why? I ran it against an MSCI World reference ETF according to various criteria that are relevant to me. And here is my result:
1-year price performance: Deka better (30% vs. 23%)
3-year performance: Deka better (34 to 30%)
5-year performance: Deka better (78 to 71%)
10-year performance: Deka better (157 vs. 139%)
Volatility in all time ranges (1/3/5/10 years) the same (+-0.5% difference)
Sharpe ratio in all time ranges: Deka better
Trend stability: Deka better
Average drawdown: MSCI minimally better
If the performance is better across all time frames, I am happy to pay internal fund costs for capable employees. In any case, I prefer this to some student programmer who programs it exactly once and otherwise only incurs mini costs for the server, security, electricity and license fees to the index inventors. Even the 0.x% ETF costs are far too expensive for that.

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Aktienfabe@Aktienfabe

10Mon

In my opinion, I would stay away from Bayer at the moment. It's a bottomless pit at the moment. I would rather get in when the bottom is reached :) (of course, the turnaround with high returns would be a given here)
Coca-Cola is a solid company
Amazon as well (with the hope of a dividend one day)

Paypal has not had the big world-changing announcement. The numbers today will show where you stand (see more future and potential here with Apple Pay)
Paypal and Bayer would be as you say "to gamble" :D

I can't really say anything about the ETFs.

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Krush82@Krush82

10Mon

Why not just go straight for daily savings plans of EUR 2.40? ;-) I would no longer put my money into Bayer, Infineon and Paypal to expect an outperformance in the long term

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Blacki704@Blacki704

10Mon

Not necessarily all at once, just make a monthly savings plan that is higher than your normal savings rate and when the money is invested you simply change the savings plan again. This way you can possibly benefit from the cost average effect

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