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For the savings rate, take 1 broad ETF like the $VWRL and from a certain size (mid five-digit range) you can add 1 dividend ETF ($TDIV)
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@TaubeSmash You can still go sailing ⛵️
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@tommycash VWRL builds the ship - TDIV sets the sails
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@TaubeSmash What is your target composition?
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@tommycash 80% $VWRL, 10% $TDIV, 10% $EWG2, whereby I am still looking to get started with gold and finally want to set up a savings plan. Are you sticking with forever 100% $VWRL?
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@TaubeSmash still have rental income, so I'm quite happy with my one ETF solution and don't necessarily need more cash flow - but never say never 😁
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@tommycash I understand! Do you have the properties near you or further away? I've had a few viewings in the Lake Constance area, as Zurich is impossible.
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@TaubeSmash is all in the north of Munich in an urban area with good connections to the airport and the city of Munich. However, we inherited the property with the 3 units, only built on it ourselves and have been renting it out since 2022 👍🏻
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@tommycash sounds pretty ideal with the location! I'll be heading towards Konstanz in the near future 🤞
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@TaubeSmash yes, we were also able to sell half of the plot for around 2k/sqm - so we built completely with equity - not ideal from an investment point of view, but it was ideal for the head 🙌 keep your fingers crossed, happy to update then!
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