5D·

How do you outsmart yourself?

to top up his savings rate.

I'm not sure, but lately there's always something left over in the account...and I have to admit I'm too lazy to transfer it to the call money, the interest rates aren't great either.

So a new savings plan, with slightly better interest rates, might also bring some stability to the portfolio and you can still access it if necessary.

What do you think, a mistake or ok

How do you handle it?

17.11

Xtrackers II Overnight Rate Swap ETF C

Bought x0.677 at €147.71

€100.00

10 Comments

Femke@femkelbn

I also have my cash reserve at $XEON, but only because I often raid my call money account to buy more when prices are good. That's not really what this part of the cash reserve is for, but I'm not so good at that. 🤪 That's why part of it is at $XEON, where the inhibition threshold is a little higher. 🤓

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Oleg@ScorpionfromBW

Hmm, the money market fund has the same interest rate as the ECB reference rate. Plus it also costs you 0.1% TER. So I don't see any advantage, especially not for these small amounts.

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Alex@nitroxx

@ScorpionfromBW I think I have read 2.75%...but of course, it doesn't pay off with a savings plan either

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Zerax@Zerax

@nitroxx Not quite correct. Current €STR 1.931% + 8.5 basis points = 2.016% p.a. Would only park money and not necessarily actively run a savings plan on it. I agree with you about stability, but it should then be heavily weighted towards the overall allocation.

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Alex@nitroxx

@Zerax I should have asked first 🙈

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DerDanner@Therapeut

In fact, the savings plan is also set so high that nothing is left over, and I make up for small gaps with additional income

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Laura@lookingforpassive_income

I have it in my pfolio. It is a good place where to park your money for better time or while waiting for good buy opportunities. .in the worst scenario it is covering inflation....

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SGP@Koenigmidas

I layered mine into another one after almost years

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Stephan@Dividende4Rente

@Koenigmidas Which one did you switch to?

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SGP@Koenigmidas

@Dividende4Rente in the $CASHE. But wrote in my monthly review that it might have been a wrong decision.

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