2Mon·

Nest egg

I've noticed that I'm putting all my leftover money into ETFs via savings plans. So $XEON (+0%) set up as an asset with the largest monthly savings plan in percentage terms until I'm at the 3-5 monthly salaries. I opted for the money market ETF because I like to be tempted to make yolo purchases from time to time with Trade Republic "credit balances". Apart from that, the return p.a. is quite comparable to what Trade Republic pays in interest. What do you think? Rather cash balances with TR or money market etf?

24 Comments

Epi@Epi

2Mon

$PR1H - the new $XEON 😉

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Christoph@ChrisBizz

2Mon

@Epi But it is subject to currency fluctuations, isn't it? I wouldn't want that with a nest egg.

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Epi@Epi

2Mon

@ChrisBizz Have you taken a look at it? The chart alone should show you that there are no currency fluctuations.
Otherwise it wouldn't be an alternative to xeon.

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ZeissJessy@ZeissJessy

2Mon

@Epi Price performance 12 months 3.x% How much did the bond pay out in the last few months?

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Epi@Epi

2Mon

@ZeissJessy Which bond? Do you mean TBills? Like 4.2%.

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Shrek@Shrek

2Mon

Thanks for the tip 👍🏻

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TreasureHunter@TreasureHunter

2Mon

@Epi I'm completely out of the loop on this topic. But isn't this a bond that is subject to the usual interest rate fluctuations? On the other hand, there is nothing to be seen in the chart 🤷‍♂️

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Epi@Epi

2Mon

@TreasureHunter This is more or less a money market ETF. Only on the US market and currency-hedged.
In other words, you get the US key interest rates as a daily price gain.

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Oleg@ScorpionfromBW

2Mon

And the TER is even lower than that of $XEON. Good alternative, I didn't know it yet. Thank you @Epi

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PeterGriffin_@PeterGriffin_

2Mon

Why do you prefer $PR1H to $XEON @Epi ?

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Epi@Epi

2Mon

@PeterGriffin_ Quite simply. Interest rates in Europe are lower than in the USA. 🤷

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View all 6 further answers

Lorena@Lorena

2Mon

Money market ETF, because more independent and not so arbitrary in terms of interest rates.

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DerDanner@Therapeut

2Mon

Take a look at $IHYU, average 6%, riskier but safer than a World

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Vinc3🚀@BlockBard

2Mon

In fact, my "nest egg" is everywhere except TR because otherwise I do exactly what you do...yolo purchases 😁

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D.S.@Cato_Bamboo

2Mon

money market ETF, you're doing exactly right!

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CrashBurner@Psychedelic_Sunflower

2Mon

Money market ETF. Capital gains tax is payable monthly on the interest on TR. And you want to pay this as late as possible.

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DerDanner@Therapeut

2Mon

@Psychedelic_Sunflower How does this change the calculation?

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CrashBurner@Psychedelic_Sunflower

2Mon

As the $XEON is accumulating, it does not pay out dividends and therefore no capital gains tax is initially due. Only when it is sold. The money that you do not spend on tax for the time being continues to work for you, as it continues to earn interest and does not end up with the tax authorities. Depending on the amount and duration, the differences can be enormous.

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