Why didn't you simply increase the savings plan by €300 and save yourself the fees?
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9Lun
@DividendenWaschbaer He may not have any fees
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@DividendenWaschbaer because the savings plan has already been debited from my account. I always have it debited directly from my bank account. The amount is already gone, it won't be triggered in TR until tomorrow.
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@DividendenWaschbaer What fees?
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@MrMister For a one-off purchase. Provided he has to pay for them (which he has to with TR).
But that has already been clarified
But that has already been clarified
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•@DividendenWaschbaer at Zero it's free of charge. I didn't know that a savings plan at TR costs anything.
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@MrMister savings plan is free of charge. But this is about your one-off purchase. That was 1€
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@Welikethestock_ Ah, yes, you're right. I always try to stay above €250 and often above €500
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9Lun
@Welikethestock_ If the share price moves by more than 0.3%, this is put into perspective.
I also only invest via a savings plan if it is very close to the 2nd or 16th (execution days) or if the amount is less than €100.
Statistically, it is better to pay €1 than to leave the money uninvested for a week.
However, I would have simply created a savings plan on the 1st and deleted it again on the 3rd.
TR executes on the 2nd and you can adjust until the 1st.
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P.S.:
Why do I invest manually? Because I get paid on the 25th of the month.
I have been backtracking for 10 years and over 1 year it was ALWAYS better to pay 1€ fee than to stay uninvested for 7-9 days (depending on whether the 02nd was a trading day).
Therefore, I invest manually on the 25th and make interim investments with the projected remaining money of the month on the 2nd/16th (projected surplus divided by past days multiplied by 75%).
Whereby I move the money in advance because of the 4% at TR compared to 2.5% at C24 :)
I also only invest via a savings plan if it is very close to the 2nd or 16th (execution days) or if the amount is less than €100.
Statistically, it is better to pay €1 than to leave the money uninvested for a week.
However, I would have simply created a savings plan on the 1st and deleted it again on the 3rd.
TR executes on the 2nd and you can adjust until the 1st.
---
P.S.:
Why do I invest manually? Because I get paid on the 25th of the month.
I have been backtracking for 10 years and over 1 year it was ALWAYS better to pay 1€ fee than to stay uninvested for 7-9 days (depending on whether the 02nd was a trading day).
Therefore, I invest manually on the 25th and make interim investments with the projected remaining money of the month on the 2nd/16th (projected surplus divided by past days multiplied by 75%).
Whereby I move the money in advance because of the 4% at TR compared to 2.5% at C24 :)
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