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 (+0.18%)

17 Comments

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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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I would wait for a correction and then go in all at once
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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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Take a look at this article from a short time ago: https://getqu.in/Q3mDHU/
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Put half of it in now. The rest as a 12-24 month savings plan
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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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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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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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Team one-time purchase.
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