9Mon·

++ Monthly savings plans - My current path 🚀++

~ Michael 💎 🏅 · 2024-03-31T18:03:32.416686Z

Da mich viele immer wieder fragen, welche Sparpläne in meinem Depot laufen, möchte ich hier eine Auflistung bereitstellen. Zunächst einmal läuft mein gesamtes Aktiendepot bei der ING-Diba. Obwohl ich dort für Aktiensparpläne eine Provision von 1,75 % zahle, bin ich mit dem Service/App und Broker sehr zufrieden. ETF-Sparpläne hingegen sind gebührenfrei. Hier nochmal eine kurze Auflistung der Vor- und Nachteile von Sparplänen: •Vorteile Risiko reduzieren: Da der Cost-Average-Effekt (CAE) dazu führt, dass der durchschnittliche Einstiegspreis einer Aktie sich dem "Durchschnittskurs der letzten 12 Monate" annähert. Dies geschieht, indem über einen Zeitraum von beispielsweise 12 Monaten jeden Monat der gleiche Betrag in Aktien investiert wird. Buy and hold: Die Tendenz zum Buy-and-Hold-Ansatz ist statistisch gesehen bei Privatanlegern mit der höchsten Rendite verbunden. Kleinvieh: Mit geringen monatlichen Beträgen kannst du beginnen. Dein Geld wird im Laufe der Zeit wachsen, selbst wenn du nur kleine Summen investierst. Schnellstart: Der Einstieg ist einfach: Durch Aktiensparpläne ist es je nach Bank bereits ab 1 EUR pro Monat möglich. •Nachteile Kaufzeitpunkt: Die Auswahl des Zeitpunkts ist begrenzt: Die Ausführung von Aktiensparplänen erfolgt bei den meisten Anbietern am 1., 7., 15. Tag jedes Monats, was wenig Spielraum für Eingriffe lässt. Gebühren: Es können höhere Gebühren anfallen: Viele Anbieter erheben möglicherweise eine Gebühr von beispielsweise 1,75 % der Sparplan-Summe pro Ausführung. Langfristigkeit: Aktiensparpläne sind vorrangig für langfristig orientierte Anleger gedacht. Anleger, die eine schnelle Rendite möchten, sollten möglicherweise alternative Optionen in Betracht ziehen. Folgende Positionen laufen aktuell per Sparplan in meinem Portfolio: • 100 € ~ FTSE All World ($VWCE) • 50 € ~ Alphabet ($GOOGL) • 50 € ~ Merck & Co. ($MRK) • 50 € ~ Microsoft ($MSFT) • 50 € ~ Tesla ($TSLA) • 25 € ~ Apple ($AAPL) • 25 € ~ Palantir ($PLTR) • 25 € ~ Allianz ($ALV) • 25 € ~ Walt Disney ($DIS) • 25 € ~ Walmart ($WMT) • 25 € ~ Intel ($INTC) • 25 € ~ Unilever ($ULVR) • 25 € ~ Coca Cola ($KO) • 25 € ~ Mc Donalds ($MCD) Die Gesamtsumme von 525 € pro Monat fließt direkt per Sparplan in das Depot. Darüber hinaus tätige ich unregelmäßige Einzelkäufe, um bestehende Positionen zu erweitern oder neue hinzuzufügen. Ich baue dafür monatlich eine Cashposition auf meinem Verrechnungskonto auf. Ebenso wird der Notgroschen direkt am Monatsanfang auf das Tagesgeldkonto überwiesen. Aktuell plane ich außerdem, folgende Positionen aufzustocken oder neu einzuführen. •Aufstocken/Nachkauf: $EWG2 $TSLA $NU $8001 $LDO •Neuaufnahme/Erstkauf: $AWE $RHM $AVAV $6301 $NKE (aber erst bei einem Kurs von 50.00 $ 😉) Besten Dank für deine Aufmerksamkeit und weiterhin viel Erfolg beim investieren. 💸 LG Michael

As many people keep asking me which savings plans are running in my custody account, I would like to provide a list here.

First of all, my entire custody account is with ING-Diba.

Although I receive a commission of 1,75 % I am very satisfied with the service/app and broker.

ETF savings plans, on the other hand, are free of charge.

Here again a short list of the advantages and disadvantages of savings plans:

-Advantages

Reduce risk:

As the cost-average effect (CAE) results in the average entry price of a share approaching the "average price of the last 12 months".

This is achieved by investing the same amount in shares every month over a period of 12 months, for example.

Buy and hold:

Statistically, the tendency to buy and hold is associated with the highest returns for private investors.

Small cattle:

You can start with small monthly amounts. Your money will grow over time, even if you only invest small amounts.

Quick start:

It's easy to get started: share savings plans allow you to invest from as little as EUR 1 per month, depending on the bank.

-Disadvantages

Time to buy:

The choice of timing is limited: Share savings plans are executed on the 1st, 7th, 15th day of each month for most providers, leaving little room for intervention.

Fees:

Higher fees may apply: Many providers may charge a fee of, for example, 1.75% of the savings plan amount per execution.

Long-term nature:

Share savings plans are primarily intended for long-term investors.

Investors looking for a quick return may want to consider alternative options.

The following positions are currently held in my portfolio via a savings plan:

- 100 € ~ FTSE All World ($VWCE (+0.13%))

- 50 € ~ Alphabet ($GOOGL) (-1.05%)

- 50 € ~ Merck & Co. ($MRK (-0.11%))

- 50 € ~ Microsoft ($MSFT (+0.96%))

- 50 € ~ Tesla ($TSLA (+0.83%))

- 25 € ~ Apple ($AAPL (-0.63%))

- 25 € ~ Palantir ($PLTR (+2.32%))

- 25 € ~ Allianz ($ALV (+0.85%))

- 25 € ~ Walt Disney ($DIS (+0.55%))

- 25 € ~ Walmart ($WMT (+0.04%))

- 25 € ~ Intel ($INTC (-1.06%))

- 25 € ~ Unilever ($ULVR (-0.07%))

- 25 € ~ Coca Cola ($KO (-0.12%))

- 25 € ~ Mc Donalds ($MCD (+0.08%))

The total amount of 525 € per month flows directly per savings plan into the custody account.

In addition, I make irregular individual purchases to expand existing positions or add new ones.

I build up a monthly cash position in my clearing account for this purpose.

The nest egg is transferred directly to the call money account at the beginning of the month.

I am also currently planning to increase or new introduce.

-Increase/repurchase:

-New acquisition/first purchase:

$NKE (+0.14%) (but only at a price of 50.00 $ 😉)

Thank you for your attention and good luck with your investment. 💸

Michael

26 Comments

Homer@Simpson

9Mon

Savings plans are probably the best choice for people who are just starting to invest and want to be in it for the long term. 😊👍
I only recently started with savings plans myself and find it more relaxed when I know the amount is distributed automatically and I no longer have to chase the dips 😂

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Vik@Vik1337

9Mon

@Simpson but the disadvantage is that you can no longer chase the dips :P

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Dividende > Zinsen@GoDividend

9Mon

That's how I've set myself up for this year too.
I have a savings plan for everything in my portfolio (except Calida 😅 and my first 5 individual shares, which are full)
As money comes in, additional positions are added to. When all positions are full, I'll look around for new ones. Let's wish for perseverance 👍

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Ronald@AlterMann

9Mon

Yes, something like that. I have a savings plan for each position. These are gradually increased with rising dividends. If there is one-off income, I increase all the savings plans for a while until the money is gone.
It's all much more relaxed because you're not constantly worried about having bought or sold too late or too early.
And by the way, you can see how the dividends increase every quarter compared to the same period of the previous year... 🚀

There are only two things that bother me about Finanzen.net Zero (where I currently have most of my savings plans): Execution only on the 07th of a month and when selling, the fractional shares are only sold on this day.

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SchwazwälderBub@AfterBurner

9Mon

@AlterMann These two things bother me too, but I can live with them. In my case, the savings plan runs in the ETF core and the individual shares are then bought or newly entered when cash is available out of turn.

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CaYaRo@CaYaRo

9Mon

except for the 50$ at $NKE I find everything ok

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Julian@MoneyISnotREAL

9Mon

I myself am also with ING - fully satisfied with the broker.

I also had individual savings plans on a few positions for a short time, but left them again because of the 1.75% commission.
An individual purchase of approx. 350€ has the same expense ratio with order fee/volume, i.e. >350€ the individual purchase is cheaper than a savings plan (only costs considered).

Personally, I find that a savings plan is possible with ING on many "normal" securities.

Thank you for your experience and your approach. I myself have opted for boring MSCI or FTSE All World ETFs.
Individual stocks are available, but are currently not being expanded any further. :-)

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Royal_TS@Royal_TS

9Mon

I have now also started a savings plan. The savings plan depot from @Simpson was too tempting 😉 I started in March with 20 shares via FinanzenNetZero.

https://getqu.in/Z4Q8WL/ https://getqu.in/Z4Q8WL/

I will add $DE and $HD from April.
These are mainly shares that have somehow "run away" from me in terms of price and are not listed in the top ten of $IWDA. The ETF runs as a savings plan with ING.

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Meister L.@Lumimyrsky

9Mon

I think the selection of savings plan shares is great.

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Paketknecht@Paketknecht

9Mon

I also prefer savings plans, but what annoys me most are the spin-offs of small positions in the first few years. Last year I got 1 WK Kellogg share for €12 and 1 Veralto for €80, so I'm already looking forward to the €80 ice cream and healthcare positions in Unilever and 3M.... I have my securities account at Comdirect and can't sell such positions there economically, I would have to open a trade republic securities account especially for this and transfer the shares to be able to sell them there free of charge if I don't want to keep them. Fractions of the spin-offs are sold automatically by Comdirekt, which can lead to (small) losses if the price falls at the beginning, only whole shares are booked in.

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six@six

9Mon

Funny. I've been thinking about starting a share savings plan with ING for a few days now.

I've gone back to ING after changing accounts many times. Currently only the $VWCE in the savings plan.
It's a pity that $EWG2 is not eligible for savings plans at ING.

I would then only have to transfer my loss pot from Scalable to ING.

I'm thinking about adding $MSFT $V $AMZN as a savings plan

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Uwe@SchlaubiSchlumpf

7Mon

@six You will probably not be able to save the EWG2 anywhere, as you have to buy the gold in grams. Since it has to be physically deposited, fractions will probably not work. At least that's my guess.

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Uwe@SchlaubiSchlumpf

7Mon

@SchlaubiSchlumpf oops now I've commented on a 2 month old post. Sorry 😂

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six@six

7Mon

@SchlaubiSchlumpf no problem 😂
Yes, you can save with Scalable Capital.
I've done that before too.

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Gamla S.@gamlasvensk

9Mon

There is no spring tide in the savings plan selection, but there is a steady rise in the level of the boat. Very solid and long-term. What do you do with the dividends?

$EWG2 I've had it on my list for a long time, but I always find other stocks more interesting...

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Cro@Cro

9Mon

Great layout! Continued success 🚀👍🏾

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Florian@TheBarToelzer

9Mon

The €525 would be similarly well placed in an MSCI World savings plan $IWDA or in an S&P500 $CSPX and the whole thing would be a little easier to manage. :)

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~ Michael 💎 🏅@Michael-official

9Mon

@TheBarToelzer This would also be a good option and certainly the simplest.
However, I would like to invest specifically in individual stocks to further expand my positions. 😊

Does BarToelzer stand for Bad Tölz?

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Florian@TheBarToelzer

9Mon

jup

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~ Michael 💎 🏅@Michael-official

9Mon

@TheBarToelzer Greetings from WOR ☺️

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Maki@Starko90

9Mon

Individual purchases are better than savings plan purchases

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Stuttgarter81@Moneymoney

9Mon

Please note that the cost-average effect only works at the beginning. Over the years, you will no longer be able to smooth out your purchase prices.

With regard to the selection of individual shares, it should also be noted that the majority of private investors do not outperform Welt AG. Keyword humility! With 1.75 percent fees, this becomes even more difficult.

I also think ING is great. 👍🏻

In order to balance out the fluctuations in the share portfolio, you can of course add other asset classes (bonds, monetary metals, cryptos, real estate, etc.) depending on your risk affinity.

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Kevin E.@KevinE

7Mon

@Moneymoney you can still use the DCA later to smooth out the purchase prices. You just have to regularly adjust the savings plan amount 🙃
And seriously: for most investors here, the sums invested per company are not so large that there would no longer be any effect. At least among the savings plan investors, I rarely see values that can have been saved for > 5 years.

Although, of course, savings plans have not been around for that long and my picture may be distorted as a result 🤔

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Kevin E.@KevinE

7Mon

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1aDNA@1aDNA

8Mon

How do you decide that a position is full, if you may ask

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Kevin E.@KevinE

7Mon

@1aDNA Everyone decides for themselves. Some say that a value must not exceed 5% of the portfolio, for example. The way I do it is that I don't invest more than a certain value in euros in a single company. I let profits run, but only put x€ into e.g. $MSFT. After that, nothing more is added to limit the risk.

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