7Mon·

Bond Invest Update 24

#anleihen

As already announced, anyone who is interested can follow my investment in bonds.

The US interest payments have now been reinvested in the USD bond ETF.

Link to the dashboard: https://app.getquin.com/dashboard/eNaHkgNkAu

22.05

iShares $ Treasury Bond 20+yr ETF D

Bought x116.57 at €3.153

€367.48

Josef K.

@kleberj

8Mon·

Bond Invest Update 23

#anleihen

As already announced, anyone who is interested can follow my investment in bonds.

It has rained heavily again. As already announced in last month's review, the first two large interest payments from the USA were due. The payments received amounted to €149.63 and €217.85 net and gross respectively. Unfortunately, it is not possible to include interest transactions here. Overall not bad for almost 5 months.

The total of €367.48 will be reinvested in the USD bond ETF next week via savings plan execution.

Link to the dashboard: https://app.getquin.com/dashboard/eNaHkgNkAu

16 Comments

Gerit@Gerit

7Mon

F*ck, the trading costs are really hitting you hard at the moment. I'm very curious to see whether interest rate cuts will come and how the portfolio will then develop

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Josef K.@kleberj

7Mon

@Gerit The figures are not correct anyway. The accrued interest paid is included in the trading costs. In fact, it is about 50%. But yes, buying bonds via the Stuttgart Stock Exchange is expensive. But it's still only 0.3%! Neobrokers don't offer anything.

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Gerit@Gerit

7Mon

@kleberj Would you recommend an ETF as a bet on falling interest rates? As soon as my cash ratio is back to around 5%, I would want to invest half of the savings rate in something with a "good" interest rate.

Unfortunately, I can't buy 3-month US Treasury bonds directly. Neither with TR nor with DKB

I don't know whether my thoughts fit in with the ETF, as it also regularly(?) buys new bonds.

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Josef K.@kleberj

7Mon

@Gerit ETFs should behave in a similar way. I only invested larger sums directly in bonds at the beginning. My monthly savings quotas now only go into ETFs, as the trading costs for smaller sums would have a full impact

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Gerit@Gerit

7Mon

IE00BGR7L912 what do you think of this?

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GeldmitKopf@cashwithhead

7Mon

@Gerit Do you want to link it?

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Gerit@Gerit

7Mon

@cashwithhead hey, of course, never thought of it 😅😂 $IBTU

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Epi@Epi

7Mon

@Gerit Take a currency-hedged US bond ETF instead. The interest payments are negligible compared to the currency fluctuations.

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Gerit@Gerit

7Mon

@Epi because of the short-lived system?

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Epi@Epi

7Mon

@Gerit No, because of the currency fluctuations. 🤷

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Gerit@Gerit

7Mon

@Epi $T3RE one of these? (there are only a handful on TR)

I've read up a bit, the volatility is supposed to be up to 50% lower. But of course it has higher costs.

The question is whether the whole thing is still worthwhile instead of simply parking the money at 4% on TR, up to 50,000 it's no problem.

You can't estimate the interest rates either, if I take a look at what it looked like historically between 1970 and 1990.

Hm.

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View all 4 further answers

GeldmitKopf@cashwithhead

7Mon

How do you feel about the USA's debt?

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