Luis · 2024-05-26T15:25:36.542881Z

Hallo Leute, ich habe vor ca 3 Jahren angefangen den $D5BM zu besparen, warum auch immer... jetzt ist mir aufgefallen, dass eher der $CSPX die Wahl sein sollte. Ich habe den Sparplan schon geändert, aber frage mich was ich mit den investierten ca 1000€ inkl 20% Gewinn tun soll? komplett verkaufen und reinvestieren oder verkaufen und erstmal nur die Hälfte investieren und auf einen dip warten?

7Mon·

Hi folks,

I started about 3 years ago $D5BM (+0.04%) for whatever reason...

now I've realized that the $CSPX (+0.05%) should be the choice.

I've already changed the savings plan, but I'm wondering what I should do with the invested approx. 1000€ incl. 20% profit?

Sell completely and reinvest or sell and only invest half and wait for a dip?

6 Comments

Tim@timg1355

7Mon

If your exemption order still has enough room for maneuver, you can confidently sell and reallocate the amount

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Specter@Specter

7Mon

@timg1355... and if you are a student or similar with no income, you can also sell and get it back next year via the tax.
Otherwise: sell and reallocate next year at the latest

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Stulle 🥪@Stullen-Portfolio

7Mon

If I had to choose one of the two, it would be $D5BM for me. Why is it (now) the other one for you? Don't you like swaps (and the extra return that comes with them for US-heavy ETFs)?

Greetings
🥪

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Luis@derluis

7Mon

@Stullen-Portfolio To be honest, I don't understand swaps and also see the low TER as an advantage 😇

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Stulle 🥪@Stullen-Portfolio

7Mon

@derluis
Well, despite the lower TER of the one, the other has yielded ten percent more since the two were launched 14 years ago (and that takes the TER into account).

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Gazda@gzd_finance

7Mon

Hi Luis, without looking at the overall portfolio it is difficult to give well-founded opinions. Also, 1000 Eur in 3 years is not a lot. Try to improve your income and expenses first. You have to save the first 100k away from your mouth. Good luck!

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