DerDonDerAktionäre (@der

DerDonDerAktionäre

@der_Don

7Mon·

Investment decision

Reading time approx. 1-2min.

Hello everyone. I'm facing an investment decision that is "bigger" by my standards (bank clerk trainee).

As I already posted a few days ago, I have opened or set up a new savings plan which I am saving €250 per month.

For those who may not yet be familiar with my savings plan, here are the details again:

Individual shares:

$GOOGL (+0.1%) - 25€

$AMZN (+0.48%) - 25€

$CMG (+4.49%) - 25€

$META (+0.1%) - 25€

$MSFT (+0.84%) - 25€

$NVDA (-2.18%) - 25€

ETFs:

$IWDA (+1.01%) - 50€

$EXUS (+0.88%) - 50€

I know that many, if not almost all, individual shares are already included in the $IWDA (+1.01%) are already included. Nevertheless, the intention is to invest in the respective shares.

Now I am faced with 2 decisions:

On the one hand: I have €1000 of surplus money in my checking account and want to invest it. Now the question is in what? and how much? Does it make more sense to put it all in ETFs or only part in ETFs and part in individual shares? Or all of it in individual shares and then some?

The second thing: when should I invest?

There's a lot going on in the world at the moment.

The fact that around 90% of my savings are in US equities makes me rather worried about investing in the US market at the moment. At least until the Iran-Israel conflict has been resolved.

If this war escalates, I see a certain danger in the US economy which could cause inflation.

Then there are the presidential elections etc.

I would be happy to hear criticism or corrections to my statements. It is possible that I am completely wrong.

In any case, thank you in advance for your help 🫡💸

6 Comments

KingC@RaphGM

7Mon

- Best time to start investing => Yesterday
- Second best time to start investing => Today

The track record of the stock market has shown that it is not when you start investing that matters, but how long you have been invested.
No matter what happens in the world.

I would question the 90% in the US: it is far too high for my liking.

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Show answer

Krush82@Krush82

7Mon

If you have EUR 250 per month at your disposal. If you absolutely want to invest in individual shares right now, it's better to put 150 of this into 1 or 2 ETFs and the remaining €100 into a maximum of 2 individual shares. The microsavings plans of EUR 25 per share won't get you anywhere. If you don't want crypto, I would simply put the additional EUR 1000 into ETFs.

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Performax@Performax

7Mon

Individual shares in a savings plan then you are not interested in the world situation.

ETF's money in now. A mix of world and ex USA is a safe bet to reduce the overall weighting of the USA.

According to your considerations, this approach makes sense.

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Lucrash@KapriolenCapital

7Mon

There are returns in fear and uncertainty. If you invest via a savings plan, you go in with the attitude that what comes around goes around. You are a trainee and this will not be the last crisis you experience. The current crisis will only be a minimal dent in the all-time chart. The important thing is to stay disciplined. If you have a nest egg in addition to the 1k in your account, why not? But you don't have to go into a buying frenzy just because prices are falling.

How and what do you need to know? Do you have any stocks or ETFs that interest you?

Wouldn't a conflict have a certain risk of inflation everywhere due to the rising oil price that would result?

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Roman@Roman_moed

5Mon

You've really thought about diversification. Just buy a tech etf directly

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