1Wk·

Savings plan or larger one-off purchase

Due to one circumstance, I will have an amount to invest in the foreseeable future that is just as large as my current portfolio.

In this position, would you add to your current ETFs with individual purchases and keep the current amount in the savings plan the same or increase the savings plan?

(Currently saved ETFs for information only, no advice required)

USA $XZMU (+0.42%)

Europe $XZEU (+0.25%)

EM ex China $XDEX (+0.32%)

Global distributing $TDIV (+0.19%)

17 Comments

Dividende > Zinsen@GoDividend

1Wk

It's always said that all in at once is better. However, I have often missed the mark and am therefore a savings plan group.

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structure@cpfl

1Wk

@GoDividend thanks for your opinion, I am currently also leaning towards increasing the savings plan

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Oleg@ScorpionfromBW

1Wk

@GoDividend For me, the one-off purchase at the end of 2023 worked out better than if I had invested the sum of over 250k in several tranches. It's easy to do the math.

However, I have to admit that I wasn't entirely without fear. But I was aware of the risk

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Dividende > Zinsen@GoDividend

1Wk

@ScorpionfromBW everything can nothing must

Ultimately, everyone should do as they please and I simply want maximum success. ✅

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structure@cpfl

1Wk

@ScorpionfromBW is probably a matter of luck. Or if there is another major low, such as due to corona or a gentleman from the other side of the Atlantic, a large one-off purchase will probably be worthwhile

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Dividende > Zinsen@GoDividend

1Wk

@cpfl you often only know afterwards
Just do what you feel comfortable with

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Oleg@ScorpionfromBW

1Wk

@cpfl Of course there was a lot of luck involved, without question. Ultimately, you have to decide for yourself, I agree with @GoDividend

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Thomas@Thomas_1963

@GoDividend I was very lucky with a one-off purchase at the end of '23.
Bad luck this year in March.
Covered call ETF on the NASDAQ down almost 20%. VL contract in the savings plan on the NASDAQ up 6%.
It's just a matter of luck. But I'm more of a savings plan team now.

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Sansebastian@Sansebastian

1Wk

I would wait for a correction and then go in all at once

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Echsenkönig Atokarn@Bezehgombjuderstimme

1Wk

You could theoretically also do a mix. For example, with 100 nozzles you could put half in, and the other half in savings plans spread over 1 year or spontaneously if there are setbacks.

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ZeissJessy@ZeissJessy

Take a look at this article from a short time ago: https://getqu.in/Q3mDHU/

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Maverick@Pete_Mitchell

Put half of it in now. The rest as a 12-24 month savings plan

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F@Cai-pirinha

1Wk

i have noticed for myself that a one-off purchase is usually not as successful as you always read. a savings plan often doesn't feel good either, because you have no influence on the timing. sometimes it can be good, but it usually feels rather suboptimal. now i usually enter the course with several tranches, i.e. 2-3x instead of 1x.

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Kate🦋@Iwamoto

1Wk

One-off purchase. This allows the capital to work for you right from the start. If it then goes wrong, you can "repair" it in the medium term with a savings plan. If, on the other hand, you opt for the savings plan and it turns out that this was the worse decision, it is no longer possible to repair it

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structure@cpfl

1Wk

@Iwamoto is a good point, thank you

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Max@Fizzy_finance

1Wk

If I were you, I would transfer the money to your trading account and set up savings plans. You will then always have enough cash to react to major corrections or crashes, but will continue to invest in your ETFs in the long term.
And depending on the broker, you may also earn good interest on your cash.

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Timo@Aktienorang-Utan

Team one-time purchase.

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