2Wk·

Savings plan 04/25

Motivation problems. After reaching 100k last year after 4.5 years of investing, I'm still stuck close to the limit due to the turbulence this year and have now jumped over it again.

However, I currently lack a new goal that I can work towards within a certain period of time.

Due to my move, I'm also already behind with my investment goals and have the feeling that I'm not getting anywhere despite the high savings rate...

24.04

Vanguard FTSE All-World ETF

Bought x18 at €116.50

€2,097.00

32 Comments

Brixxi@Brixxi13

2Wk

My friend, in 2-3 months it will all ignite again and then you'll be at 130k

If you lack the motivation, you take 2 steps back and maybe ground yourself again and realize what you have already achieved - maybe a new investment or the next level would make sense, i.e. real estate and reducing your tax burden.

There is a nice site DFK Nord that offers a nice overall package

MFG Brixxi :)

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TaubeSmash@TaubeSmash

2Wk

@Brixxi13 Good tip! Zooming out of the bubble will help. Maybe I should look into alternative investment options. I'll have a look at the DFK Nord website! Greetings back!

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Brixxi@Brixxi13

2Wk

@TaubeSmash is a way to reduce your tax burden through real estate and with the service they offer you have no headaches

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TaubeSmash@TaubeSmash

2Wk

@Brixxi13 merci 😊

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Johnny B.@JBatelli

2Wk

@Brixxi13 How interesting is the DFK Nord website? Do you have more information about it? Or have you already made a contribution here? It looks very good!

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Brixxi@Brixxi13

2Wk

@JBatelli I got to know this through a friend who always gives me tips and he said to me it's time for the next level with a certain amount in the account or deposits, the next level only makes sense

The company offers good apartments with the service they take care of the tenant, new tenants and the maintenance of the apartment

The price you pay for them to pocket the rent increase from a defined point in time

Advantage:
No headaches with the apartment really zero point zero
Tax advantages
Apartments in a good B-C location can develop well (the company bought Speckgürtel Berlin in the early 2000s)
After 10 years tax-free sale in a good location with my apartment we have conservatively calculated purchase price 170k
In 10 years 250k of course everything is not set in stone

Disadvantage
You don't take the rent increase with you means it will never pay off by itself!

You have to be aware of what the investment via DFK is intended for, it offers everything an apartment can offer without the obligations, but you also pay for the service

Formally it is attractive because I save taxes and after 10 years I want to sell again in a good location
Of course you can also continue to finance it, but everyone has to decide for themselves

I hope I was able to help you a little

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Hendrik@hendrik_lmr

2Wk

Perhaps you can set yourself goals that are not directly related to your portfolio value.

For example, investing XX% of your net salary, reducing your consumer spending to XXX€ or, if you can, working XX hours extra to get Fridays off or more money.

Some things you can't influence, but maybe you can find something that you have more control over and that you can do "better" in a certain way.

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TaubeSmash@TaubeSmash

2Wk

@hendrik_lmr I find your last paragraph exciting! I also believe that if you find something that you can influence yourself, it's better to just let the passive process run its course. Thank you!

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DividendenAlpaka@DividendenAlpaka

2Wk

In such phases, I consciously take a break from the stock market. I don't read the news, don't look at my portfolio and don't invest for a few months. Instead, treat yourself to a longer trip or invest in a hobby. When you look at your portfolio again after a few months, you'll be amazed at how your portfolio has developed positively.

It's easy to get the impression on this platform that it's a sin to pause your savings plan. But it's not. In the long term, this time out will not have a major impact.

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TaubeSmash@TaubeSmash

2Wk

@DividendenAlpaka Yes, I think you have a point there. You also have to ask yourself why you look at your portfolio so often. I don't really have any stomach aches with the allocation and I'm happy. I've already decided to focus more on something that I can influence myself.

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Investor18@Investor18

2Wk

@TaubeSmash Keeping your distance from the stock market and especially all the humbug is certainly the right thing to do. Nevertheless, it makes little sense to suspend investments as prices have just fallen. Of course, it could go on like this, but you can't time it anyway. So take the discounts with you

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TaubeSmash@TaubeSmash

2Wk

@Investor18 sitting out is not an option and passive investing is also the best option for me. I will look for alternative investment opportunities where you have greater leverage with activity than on the stock market.

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Hodlinvestor@Hodlinvestor

2Wk

New goal?!? 250K and increase savings rate. Check off my task to you as done in 5 years!!!

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TaubeSmash@TaubeSmash

2Wk

@Hodlinvestor 30k p.a. doesn't sound so unrealistic with the current savings rate and average return!

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Hodlinvestor@Hodlinvestor

2Wk

@TaubeSmash Well then, let's make it 4 years. 😬

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six@six

2Wk

Don't think too short-term.
What is your long-term goal?
Presumably to improve your pension later on?
Then such phases are actually perfect. Keep your savings plan running and collect more units. It's better to save now than to need the money in x years.

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TaubeSmash@TaubeSmash

2Wk

@six In the very long term, that's exactly what it is - generating additional income in old age. But I underestimated that patience is still required after reaching the first real milestone and what you write makes perfect sense rationally. I think I would like to get more actively involved in something, but I know that the stock market is not the right place. I'll keep an eye out for alternative investments over the next few months. 🫡

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six@six

2Wk

@TaubeSmash I had a similar experience. I reached the 200k milestone and have now fallen back to 180k. But when I look at it as described above, it makes me feel relaxed again.

My motivation after a vacation in South Tyrol:
Do more for physical fitness again and go hiking more often 😊

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TaubeSmash@TaubeSmash

2Wk

@six I have the same motivation, I just came back from a jog around Lake Zurich and realized again how much physical and mental fitness are connected 😊

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Floriano@FlorianoPerlini

2Wk

My goal was quickly 100k, my next or current goal is quickly 150k paid-in capital (theoretically already reached but 10k still open for the next dip). Next target 200k deposits and 250k deposit. Overall goal 1 million by 31.12.2038

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Stephan K.@StrahlemannLP

2Wk

What is the alternative? Is your savings rate perhaps too high? If you think that life is passing you by, then you should rather reduce your savings rate and live, however you define that. When in doubt, death is only one night away if, for example, you suffer from an undetected blood clotting disorder and one day get out of the car with a pulmonary embolism.

Then, if things go really badly, all the money you've saved won't do you any good when you're lying on the floor gasping for breath... you'll be thinking about all the things you didn't do. So find a healthy mix and keep going.

P.S. You can also make a fortune with a €350 savings rate.

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Walter S.@Roots

2Wk

first look at your portfolio (don't know it, but around 100k, my dear scholli...), enjoy, think of the positive moments and realize that it was definitely rockier than it is now...

As soon as your last goal (100k) has received a worthy celebration of thanks from you, the new goal will come all by itself and beg to be fulfilled.
Regards

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Jerome Powell@federalreserve

1Wk

How much do you have of the All World ETF? And is there a target number of shares? With subsequent purchases of a few shares?

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TaubeSmash@TaubeSmash

1Wk

@federalreserve In principle, there is no concrete long-term target, I am currently at 589 shares and believe that 1000 shares would be an important symbolic mark. What's your situation?

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Jerome Powell@federalreserve

1Wk

Yes, with 1000 units, at least 100k is always a good investment as a basis. In 2-3 years it could well be 150k. Great plan 😆

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Evcharista 🇨.@Evcharista

1Wk

Enjoy the low prices and at some point it will go up mega fast....

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TaubeSmash@TaubeSmash

1Wk

@Evcharista was not part of the content of my contribution but good 😌

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Rasid@Mahala24

1Wk

Hang in there 🙏🏼🙏🏼🙏🏼 You're doing everything right ✅

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Solitair@Solitair

1Wk

Why does everyone always stress themselves out with goals that largely depend on circumstances that they cannot influence at all?

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TaubeSmash@TaubeSmash

1Wk

@Solitair To what extent can you not influence your savings rate?

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Solitair@Solitair

1Wk

@TaubeSmash if you want to increase your savings rate, just do it. That's not what I'm talking about. What you can't influence is the market return, so it's pointless to struggle with it.

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TaubeSmash@TaubeSmash

1Wk

@Solitair You're right, it just wasn't the point of the post. I was struggling with a lack of motivation after reaching a goal.

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