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 😬
4
@Blacki704 Yes, the costs are also too high for me, which is why I've already reduced the savings installments. The only problem is that I don't know how to invest the almost €15t. All at once in an ETF or simply a higher savings rate in one or more ETFs until the money is reinvested?