You've given it more thought. That's good. But I would have come to completely different conclusions.
I think a lot will change in your portfolio over the next few years. And that's a good thing 😁. Good luck with that
I think a lot will change in your portfolio over the next few years. And that's a good thing 😁. Good luck with that
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@DonkeyInvestor Thank you. Would you like to share your decisions with me? I also assume that something will change in the coming years. This is deliberately planning for one year without making any further changes. "Come what may!"
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•@Ritter_des_Rechts Too many positions with too low a savings rate. What are the lots for? You say yourself that you are over-engineering. Always reduce debt first, at least if it involves high interest rates. You do things spontaneously instead of planning them ...
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•@DonkeyInvestor hmm, this investment world is really new to me.
It all started with the fact that I wanted to get to grips with my finances quickly because I was afraid of losing my job. Fortunately, that didn't turn out as expected.
With the savings lots, you could get paranoid that I've now won in 01/2026 because they knew I wanted to quit them. Of course I don't believe that, but that's why I made the decision to hold on to the lottery tickets this year 2026.
I'm paying off my debts with a special monthly repayment of €500. Of course, I could also put all my capital into paying off my debts first, but I want to gain experience and get started. If I hadn't dealt with this, I would still only be paying off €333 a month on the loan until 09/2032.
That's not meant to be a justification to you, even if it sounds like one. I can only buy experience in this financial world indirectly. Thank you for your feedback. 💛
My dear donkey, do you know a platform with a sample portfolio in which I can fictitiously put the same amount as a savings plan for the All World to have a comparison of what would have happened if I had put the sum from my 9 savings plans, the savings lots, the premium savings, the €40 vwl and everything else?
I am a fan of such comparisons.
It all started with the fact that I wanted to get to grips with my finances quickly because I was afraid of losing my job. Fortunately, that didn't turn out as expected.
With the savings lots, you could get paranoid that I've now won in 01/2026 because they knew I wanted to quit them. Of course I don't believe that, but that's why I made the decision to hold on to the lottery tickets this year 2026.
I'm paying off my debts with a special monthly repayment of €500. Of course, I could also put all my capital into paying off my debts first, but I want to gain experience and get started. If I hadn't dealt with this, I would still only be paying off €333 a month on the loan until 09/2032.
That's not meant to be a justification to you, even if it sounds like one. I can only buy experience in this financial world indirectly. Thank you for your feedback. 💛
My dear donkey, do you know a platform with a sample portfolio in which I can fictitiously put the same amount as a savings plan for the All World to have a comparison of what would have happened if I had put the sum from my 9 savings plans, the savings lots, the premium savings, the €40 vwl and everything else?
I am a fan of such comparisons.
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@Ritter_des_Rechts yes, such a platform is getquin 😄. Otherwise, you can also use any interest and savings calculator and apply the average annual return of the VWRL
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•@DonkeyInvestor oh really that works here? Hmm, then I'll look for the function. Or is it only available for premium users?
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@Ritter_des_Rechts You can simply enter transactions manually.
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•@DonkeyInvestor Now that you mention it. I completely ignored that.
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