2Yr·

Single purchase vs. tranche vs. savings plan

How often I was asked in the last months which savings plans I run. My answer: none at all!

Am I the only one or are there still shareholders among you who really do not buy savings plans?

This is how I proceed: I have chosen a desired size for a position (x€), if a company on my watchlist is now worth buying for me, I buy so many shares that my position is about 50% of the desired size. After that, I buy in tranches, if possible, especially in periods of weakness.

I am also not an enemy of savings plans, for many certainly very useful, but I would like to determine when and at what price I buy shares...

How do you build up your positions? Do you have a desired size for your positions?

#börse
#aktien
#geld
#finanziellefreiheit
#finanzen
#investieren
#passiveseinkommen
#aktie
#etf
#dividendenaktien
#vermögen
#dividende
#depot
#geldanlage
#immobilien
#stocks
#erfolgreichwerden
#dividenden
#dividendenstrategie
#aktienboy97

32 Comments

He-Man D.@He-Man

2Yr

ETF I make a savings plan. With individual stocks, I always buy in tranches when I like the price.

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Aktienboy97@Aktienboy97

2Yr

@He-Man good approach, thanks for your feedback!

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He-Man D.@He-Man

2Yr

@Aktienboy97 well , whether it is the right approach ... who knows ?! Market timing is not good in itself. But I have a certain amount per month and it is invested. The savings plans at ETFS are also free of charge. With individual shares I would have to pay 1.75% at the Ing. I would like to save me.

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Zoro@RoronoaZoro

2Yr

I do both, savings plan + individual purchase, with the savings plan I have a fixed weighting, also my entire titles have a fixed weighting, which they should also keep :)

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Aktienboy97@Aktienboy97

2Yr

@RoronoaZoro very cool, thanks for your feedback

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MaK@DollarDon

2Yr

When I invested smaller amounts, savings plans were good. However, the fractions annoy me, therefore only individual purchase 🙌

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Aktienboy97@Aktienboy97

2Yr

@DollarDon yes that would also annoy me, especially with a deposit transfer....

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TvN11@TvN11

2Yr

@DollarDon right Monk :D exactly why I do not buy individual shares in the savings plan :D!

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View one more answer

Cashflow I.@Cashflow_Investor

2Yr

Individual purchase and savings plan

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six@six

2Yr

Currently I don't have any savings plans and only buy whole ETF shares or stocks. When I have my desired weighting at some point, I will possibly run a savings plan on my ETFs.

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Schweizer_Investor@Alumdria

2Yr

Interesting question. In Switzerland, you can only invest with Yuh via savings plans. But since I am with Swissquote, I also invest everything at once. But as you say, I would also like to decide for myself at what rate I want to invest. But I've also heard that Swissquote is working on a savings plan function😁

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Aktienboy97@Aktienboy97

2Yr

@Dagobert_Duck thank you for your feedback 😊

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Barsten@Barsten

2Yr

No savings plan, if the price suits me I buy.

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SharkAce@SharkAce

2Yr

Do you still put a monthly sum x aside / on your deposit? Because if not, you buy at a better EK but save over the year significantly less than by savings plan.

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Aktienboy97@Aktienboy97

2Yr

@SharkAce I put aside yes, you're absolutely right!

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MORE MONEY BOY 🤑@EnjoyCapitalism

2Yr

Also cancelled my savings plans last year but kept the standing order to make individual purchases each month

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Aktienboy97@Aktienboy97

2Yr

@EnjoyCapitalism very nice!

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Peter@Meister_Peter

2Yr

I also only ever buy shares when it suits me. My savings plan runs monthly into my savings account. If there is sum X available, I look for a position in which I want to invest. If I do not find anything, the account just runs full. Then gibs but also more options if I find what good. In mom I want to diversify my portfolio further, but would almost prefer to add to existing positions. But no matter. Timing the market rarely works. Therefore, if enough money is there it goes on the search and if everything fits is struck if not I can strike the next time just more often.

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Aktienboy97@Aktienboy97

2Yr

@Meister_Peter Thank you for the insight, with me is also currently rather positions to further increase announced 👍🏼

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Souli@Souli1984

2Yr

I currently use savings plans a lot, but I'm also seeing the negative sides more and more.

As soon as prices rise, I would probably thin them out a lot.

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Aktienboy97@Aktienboy97

2Yr

@Souli1984 I can understand yes

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Stephan Schnee@MrCumEx

2Yr

I don't have a savings plan and never have had one. Completely pointless IMO.

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Okulaja@Okulaja

2Yr

I would also like to proceed in the same way with individual purchases when appropriate and decide for myself when to buy.
I only use a savings plan for my ETFs

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Aktienboy97@Aktienboy97

2Yr

@Okulaja cool, thanks for your feedback!

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Leon@binggordyn

2Yr

I currently only save in ETFs with a monthly savings plan. I buy cryptos and individual shares when I personally like the price.
I put the money for the cryptos and individual shares aside each month.
The ETFs are primarily used for retirement provision.
The rest is wealth accumulation and also a bit of gambling. After all, it should all be a bit of fun 😁

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Aktienboy97@Aktienboy97

2Yr

@blackbull you said it, thank you for the insight 🙏🏼

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