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Investanker
@opportunity_seeker_138
7Mon·

Input welcome. First of all, thank you very much for the great community here. I read along diligently and have already been able to pick up a thing or two.


I myself am in my mid-30s and have an income of almost 6k. Savings rate about 2k.


The aim is to reach 100k as quickly as possible, but also to have set the right course for the time beyond that.


The portfolio also includes positions for specific purposes: $CSPX (+0.63%) for saving for a home loan at final maturity - instead of special payments. $CSNDX (+1.19%) for the final payment of an interest-free car loan. In the long term, the basis should clearly be the $VWRL (+0.3%) be the basis.


$CCL (-1.65%) is the other individual shares of further interest due to the benefits. They should total around 6%.


Furthermore, some gold $SGBS (+0.61%) and Bitcoin are taken into account. The purchase of a small apartment as an investment is also conceivable in the future.


Any opinions? 😀

15Positions
€58,205.43
11.85%
4
16 Comments
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six@six
7Mon
Why not simply use an ETF (All World) and then withdraw the respective amount when needed (house loan final maturity, final car loan payment, etc.)?
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Investanker@opportunity_seeker_138
7Mon
@six Good and justified idea. I decided to separate for reasons of "mental accounting" and, of course, to benefit from further opportunities for returns.
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Kevin E.@KevinE
7Mon
@opportunity_seeker_138 then you could also simply open a custody account and use a separate custody account for each target, but the same ETF.
I think there is also a broker somewhere with "sub-custody accounts", so it would be a bit easier.
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six@six
7Mon
@KevinC ING offers this. I have 3 custody accounts there, each with the same ETF (1x for me and 2x for my kids).
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Kevin E.@KevinE
7Mon
@six Wow, I didn't know that. I'm with ING 😅
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Kevin E.@KevinE
7Mon
@KevinC Is everything theoretically in my name?
Creating a junior custody account for the (future) kids is a given anyway
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Investanker@opportunity_seeker_138
7Mon
@KevinC Good idea. In fact, the All-World is also already running at ING and TR. Being the latter for roundup saving...
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six@six
7Mon
@KevinC Yes, of course. All 3 are in my name. The children each have their own extra account + junior custody account.
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Kevin E.@KevinE
7Mon
@six I have just tried it out. But can't I just add it to the custody account like an extra account?
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six@six
7Mon
@KevinC Unfortunately I no longer know. I had it done by the hotline at the time.
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Dorni@BTF_broker181
5Mon
@KevinE I have my own access for the children, which I can also access via my app with their own extra account and 2 custody accounts, e.g. with their own reference accounts. Works well. It's just that the fees are much cheaper with other banks like trade republic etc
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Krush82@Krush82
7Mon
I don't understand the etf allocation. One ftse all world , 2x s&p 500 etfs, 1x developed market etf (so again a world etf) etc.
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Investanker@opportunity_seeker_138
7Mon
@Krush82 The Vanguard S&P 500 is used for performance support. The other is earmarked (see above). The Developed Markets was once selected because of the fees, but is no longer held.
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Investanker@opportunity_seeker_138
7Mon
@Krush82 Oh, and one more thing: to make it clear that the two ETFs (S&P and Nasdaq) are earmarked for a specific purpose, I have also chosen the ACC variant for each of them.
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K@TechNav
7Mon
A bit of overlap is okay, but this is a bit extreme. Just do the three $VWRL $CSNDX and $CSPX. 
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Melly@melly-m
7Mon
I would not invest money that I have planned for something else in ETFs.
If the shares fall, you have to sell at a loss.
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