15H·

Your investment habits: help us to improve getquin ➡︎

GERMAN BELOW

Hi everyone

We're exploring ways to help you invest more consistently, and I'd love to hear your thoughts. You can reply here in the comments, or email me at nina@getquin.com if you'd like to chat in more details.

Do you usually invest the same amount every month, or does it vary?
How clear is the amount you should be investing monthly to reach your goals (e.g. retirement, financial freedom)?
Do you sometimes skip or reduce your monthly investments because of unexpected expenses?
How do you currently track if you are aligned with your goals?
How do you track what you invested this year vs previous and how this amount evolved?

Thanks in advance for your participation ✉️

Looking forward to reading your answer!

Hello together

We're thinking about how we can help you invest more consistently - and I'd love to hear your thoughts. You can reply here in the comments or email me at nina@getquin.com if you'd like to talk in more detail.

Do you invest the same amount every month or does it vary?
How clear are you about the amount you should invest each month to achieve your goals (e.g. retirement, financial freedom)?
Do you sometimes skip or reduce your monthly investments due to unplanned expenses?
How do you currently check whether you are on track to achieve your goals?
How do you keep track of what you have invested this year compared to previous years and how the amount has developed?

Thank you very much for your participation ✉️

I look forward to your answers!

15 Comments

Eselai@DonkeyInvestor

11H

I invest what's left over at the end of the month.
I invest everything I can without restricting myself too much.
I don't check whether I'm on track. I know that I've done everything. Everything else is in the hands of the market.
I'm not interested in what I invested the previous year and how the amount has developed

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Epi@Epi

@DonkeyInvestor In other words, you are the ideal Getquin app user!
Why?
Because your answer ensures that everything stays as it is and no useful function ends up behind the paywall. 😅

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Alfred E.@Papiertiger

10H

How about professional surveys, both qualitative and quantitative, to find out what users really need and don't want to believe. In any case, it seems to have been thoughtlessly thrown out by the intern.

All that said:
1) Wrong question: the popular savings plan on an ETF with a savings rate of x% (9% for me) and at the same time invest as you feel like and have money is missing.
2) Use a financial freedom calculator or a simple Excel spreadsheet. If you want to have sum Y in X years, you just need amount a and or return R. So e.g. 1,000 monthly at 6% is 30 years for the €1 million, which then only has 400k purchasing power.
3) No
4) See 2 and IZF should be at least 10% for me.
5.) with Parqet (it's still free) and excel

Bye 😂

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Seventrader@7Trader

Oh exciting. Then the next version of GQ with a new subscription will be out soon......

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PaulPK@PaulPK

@7Trader GQ is the men's magazine this is gq :)

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Epi@Epi

@7Trader Then be careful what you say: the most important feature for you will go behind the paywall! 😅

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TotallyLost@TotallyLost

13H

- second
- 8/10
- yes
- look into the portfolio, double the value, for 10 years each until retirement, deduct inflation of 2% and see how many months I could live on my current expenses
- not

You're welcome 😘

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Robinhold@robinhold

12H

- I invest weekly rather, not same amount though, I update monthly the amounts according to market.
- The goal is none of the listed retirement or financial freedom, rather invest all but the emergency fund :)
- Skip never, reducing yes, if my emergency fund decreases certain amount.
- Since my goal is simply stay safe with emergency fund and invest rest, I am always on track.
- Nothing currently, I mostly focus on how many percent I am up or down, I depend on the platforms I use, mostly to getquin, would be nice to see some feature to filter by year and compare, or we can also have end of the year analysis, like we have for the months.

Hope it helps!

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Dividendenopi👴@Dividendenopi

12H

I have my capital and no longer save anything each month. If necessary, I swap individual positions to maintain my goal of the best possible cash flow. Among other things, the dividend overview here is helpful. Investment overview and development using Exel, as many of the securities I invest in, especially certificates of all kinds, cannot be tracked here.

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CashPilot@CashPilot

10H

I have a fixed amount that I invest each month. This is automatically divided between my portfolios. Every few months I invest what is left over.

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Jupp D.@JuppDupp

10H

- same amount, remaining money is then collected for extra investment, e.g. another tranche for an existing share
- No, I started investing quite late. Dividend portfolio to top up the pension
- no
- Partly, but only portfolio tracking.
- Not at all

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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

I invest a very large percentage of my net salary each month via a savings plan and then a planned percentage from the dividends (simply the forecast for the weakest month with a small mark-up. This is fully automated via savings plans and transfers between the clearing accounts (if necessary) and runs like clockwork.

My initial aim was to plug the pension gap. Now it's clearly financial freedom.

I don't have to touch the savings plans because my budget is set up in such a way that there is still a buffer. Only really sharp increases in costs can make it necessary to cut back, and I try to avoid that.

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Tim@Tacticus

- Percentage fixed (savings ratio such as allocation), absolute variable in the amount of the contribution
- Very clear -
I use the financial freedom calculator from Finanzfluss;
I have my own table with a projection of my future portfolio value and the resulting monthly distribution;
currently testing Getquin Wealth with the retirement goal
- Yes, I suspend my monthly savings installment when I have unexpected expenses and use the savings plan amount directly to plug the financial hole or to rebuild my security building block
- I mainly use my self-built portfolio tool (Excel) and the calculator from Finanzfluss (https://tinyurl.com/yq2dqno6) - I can see whether I'm on track by the portfolio milestones I set myself for each calendar year - I also use the net household wealth of the German population from IW Cologne as a guide to the percentile I am/will be in depending on my age (https://www.iwd.de/datei/haushaltsnettovermoegen-in-deutschland-658115/)
- I read the securities account balances at Getquin at the end of the year and enter them into my portfolio tool - I calculate the growth from the difference between the previous year and this year - I consider the deposit amount separately

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Marcel@di_marcello

Usually about the same, with some extra amiunts when they are available.
Quite clear with the use of many calculators online.
It has happened, not many times though.
Updating my goals todo-list. Would love to have goals in GQ.
Getquin, and subtracting the invested amount from the previous year's in the performance view. Would be nice to just show me this btw. 😆

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