(@TB98) on getquin

TB98

@TB98

1Mon·

Hello everyone,

I want to set up a small share portfolio for my mother-in-law for her pension.

The investment horizon is around 15 years.

She plans to pay in €250 per month.

As soon as the subsidized equity pension option is available (2026), this will also be used.

Now I'm wavering between several options "70-30" method from $IWDA (+0.23%) and $XMME (-0.32%) or a $ACWI .

I could also imagine adding a $XDWT (+0.27%) to add.

Do you have any suggestions or impressions?

Thank you for your ideas!

#aktienrente
#etfs
#rente

17 Comments

Kolibri@Renditedichter

1Mon

Everything goes into the ACWI and that's that.

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Rmann@Epi

1Mon

If it's grandma and she's never had anything to do with shares, I would urge caution!
Not everyone can cope with a 50 or 60% slump, as stocks have already had a few times. The stress level often rises to such an extent that beginners sell at the lowest point and never want to talk about it again.

Ergo: a pure equity ETF solution is not for grandma because of the vola. An allocation with lower volatility would be better, e.g. Ray Dalio's all-weather portfolio. It rises less, but almost always. It's much more relaxed for Grandma. And ultimately for you too.

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