1Wk·

Partial sale

I used part of my tax-free allowance and sold a few of my ETFs. Need some of the money for 🏡 👷‍♂️ this year anyway

05.01

iShares Core MSCI World ETF

Sold x40 at €111.87

€4,474.90

15.33%

12 Comments

Wealth-Accelerator@Wealth-Accelerator

1Wk

How much do you still have to pull out this year?
How close in advance do you want to do it? 😅

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tims92@tims92

1Wk

@Wealth-Accelerator that depends on how quickly the building application etc. is completed. Maybe I won't have to do it again until next year.

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Wealth-Accelerator@Wealth-Accelerator

1Wk

@tims92
But if you are sure to need a larger sum within < 2 years, I would reallocate earlier.
Maybe a bit in 3-month fixed-term deposits or something. It would be too risky for me to run into a 25% dip. But I don't know your overall situation well enough, because I'm generally quite aggressive when it comes to things like this.

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tims92@tims92

1Wk

@Wealth-Accelerator Do you really think that the ETF can lose 25% overnight? I think the risk is relatively low 🥲

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Wealth-Accelerator@Wealth-Accelerator

1Wk

@tims92
From one day to the next I think 10-15% is realistic, but as you say: the risk is small...
But it is there. That's why I'd be very careful about my risk/return balance.
What do you do if it starts to fall very slowly now? And after 7% downhill over 3 months, there's a small bang of 12%.
I don't want to paint a bleak picture at all. I just want to sensitize you to make a strong balance decision 👌🏼

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Basti92@BavarianLion

1Wk

@tims92 The risk is not that great, but it can definitely happen! Just think about April last year 😉 Maybe it wasn't 25%, but as long as Captain Orange is sitting in the Oval Office...

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DocTrader@value_crafter_1628

1Wk

@tims92 well, take a look at the chart in March, April 2025..... If the current global political situation causes a little more uncertainty..... But we don't want to conjure up anything, it would hit me pretty hard at the moment, like most of us here, we're all still in a really bullish mood 🤟

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Solitair@Solitair

1Wk

@tims92 Iran, Venezuela, Cuba, Greenland, Taiwan... there are already some powder kegs that can suddenly shake everything up, especially if they go off at the weekend.

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tims92@tims92

1Wk

You're all right, but since I don't need everything from the ETF anyway, I'll leave the rest in the ETF and let the savings plan continue.

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Wealth-Accelerator@Wealth-Accelerator

1Wk

@tims92
You're in the driver's seat 👍🏼
Good luck to you!
As I said, I'm also driving it "quite aggressively". But the money I need in the next 3 years I keep outside of shares.
Instead, I have 2 real estate loans below 1%, which I pay off as slowly as possible and have a mini-leverage in my ETFs.
This makes me feel comfortable, but I can also compensate for potential losses at any time through gainful employment to a degree that I can tolerate.

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tims92@tims92

1Wk

@Wealth-Accelerator I can only dream of a property loan of less than 1%. Unfortunately, we can't get anything below 3.3% 🤮🤮🤮🤮

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