Sounds a lot like Volksbank and Schwäbisch Hall ...😇. 3% guaranteed and without risk is not that bad, e.g. to take advantage of the tax-free amount. Otherwise, it's better not to use an active fund for cost reasons. You decide which ETF you take according to your strategy
•
22
•2Wk
@Dividendenopi You're actually right... 🤓
just keep the building society savings account to make partial use of the tax-free amount or just gradually put it into an etf via a savings plan?
just keep the building society savings account to make partial use of the tax-free amount or just gradually put it into an etf via a savings plan?
••
@6beqc I would at least not go all in now. However, you have a long investment period and can easily ride out fluctuations. And from the past, you will probably earn more than 3%. So in my view, there's nothing to be said against switching. If you want to keep some cash back for the next few months, I've parked a large amount at 3.3% overnight interest at ING for 6 months and I'm putting the money into various ETFs bit by bit each month via a savings plan until the money is used up
•
11
•2Wk
@Dividendenopi I wasn't planning to go all in at once, I would have increased the savings plan on the etf accordingly so that the money paid out would gradually flow into the etf...
Parking the money in an overnight deposit during this time is of course worth considering.
Thank you 🙋🏽♂️
Parking the money in an overnight deposit during this time is of course worth considering.
Thank you 🙋🏽♂️
•
22
•