3Wk·

Savings plan for newcomers

As I invest around €180 every month, I have opened a savings plan.

I'm just not sure which 2 shares I should save in.

I'm currently deciding between $DRO (+5.03%) , $NOVO B (-4.38%) , $1810 (-3.03%) or $BABA (+2.37%) .

100€ will go into a WORLD ETF, leaving me with €80.

Thank you very much for your opinion.

6 Comments

Mike_Invest@Mike_Invest

3Wk

Depending on your investment horizon, etc., I would invest the €180 in a broadly diversified ETF/fund on a monthly basis via a savings plan until you have a 5-digit sum in your custody account.
Then, if necessary, add other assets such as BTC and/or commodities.
You can still buy individual shares afterwards. Either via a savings plan or add a 4-digit sum per position to your portfolio.

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David@DerUnwissende

3Wk

Now a question, do you mean the msci world etf or an allworl etf? Otherwise you would be missing the emerging markets. But how about just putting the 180 all into the etf. How about btc or gold?

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trade_whisperer_2475@trade_whisperer_2475

3Wk

@DerUnwissende msci world.
I am still new to the stock market, so I am grateful for any suggestions

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David@DerUnwissende

3Wk

Do you only want to invest in industrialized countries or also in emerging markets? The best way to start is with an all world etf with industrialized and emerging markets. Use this to build up a base and you can then expand it with individual stocks. But don't put everything into equities. Also bunker your nest egg in an overnight deposit so that you don't have to sell any etfs. And whether you want to expand it with gold or bitcoin is up to you.

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trade_whisperer_2475@trade_whisperer_2475

3Wk

I invest in the Core MSCI WORLD USD (ACC) from iShares

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Epi@Epi

3Wk

@trade_whisperer_2475 The addition of gold and BTC is a good idea. Both are monetary assets that are uncorrelated and perform well. Would always take them in a double pack. Volatility-adjusted in a ratio of 1:3.
So e.g. 60% ACWI, 30% gold, 10% BTC.
Sufficient for up to 20%pa. What more do you want?

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