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Mommy gets a deposit with Finanzen.net Zero 🤓

Kate💎 🙌. · 2025-01-17T18:31:48.997211Z

Mami bekommt nachträglich zu Weihnachten ein Depot aufs Auge gedrückt. Alter: 60 Finanzwissen: null Interesse an der Thematik: null Steuer Ansässigkeit: Germany Sparquote: 100 € monatlich Das Depot soll Startkapital und eingerichtete Sparpläne beinhalten und würd voraussichtlich von mir monatlich mit 100€ gefüttert. Aber wie kann ich ein Depot mit so einem geringen Anlagehorizont sinnvoll gestalten? Denn eigentlich wissen wir bereits heute, dass Mami eine große Rentenlücke haben wird und bis jetzt wurde nie etwas dagegen getan hat... Meine ursprünglichen Ideen waren: a) 100% $VWRL alternative ein ACWI oder b) 50% $VUSA oder MSCI USA 35-40% $WEXU ( MSCI World ex USA) 10-15% $VFEM oder $EIMI Aber wenn man jetzt an den kurzen Anlagehorizont und die Rentenlücke denkt, wäre vielleicht eher etwas wie folgt sinnvoll: c) 50% $HMWO oder $WEXU aber den gibt es nur thesaurierend 50% $JEPQ Was sagen die Profis unter euch? Hat jemand eine ähnliche Situation in Angriff genommen? Wie lauten eure Ideen und Vorschläge?

Mommy gets a deposit for Christmas.

Age: 60

Financial knowledge: zero

Interest in the topic: zero

Tax residency: Germany

Savings rate: 100 € per month

The custody account is to contain starting capital and savings plans and would probably be fed by me with €100 per month.

But how can I sensibly structure a custody account with such a short investment horizon? Because we already know that mommy will have a large pension gap and so far nothing has been done about it...

My original ideas were:

a) 100% $VWRL (+0,09 %) alternative an ACWI

b) 50% $VUSA (+0,22 %) or MSCI USA

35-40% $WEXU (-0,02 %) ( MSCI World ex USA)

10-15% $VFEM (-0,2 %) or $EIMI (-0,1 %)

But if you now think about the short investment horizon and the pension gap, perhaps something like the following would make more sense:

c) 50% $HMWO (+0,12 %) or $WEXU (-0,02 %) but this is only available on an accumulating basis

50% $JEPQ (+0,69 %)

What do the professionals among you say? Has anyone tackled a similar situation? What are your ideas and suggestions?

10 Comentarios

ExFinanzminister@DerFinanzminister

Team A

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Patrick Schäfer@Hotte1909

Phew, difficult with the investment period and no starting capital. You won't close the pension gap with all the ETFs.
I've roughly calculated men REIT aka Realty Income and with a 7-year investment horizon you'd be at around €40 per month based on the current dividend, without reinvestment in the savings phase and without price fluctuations 😀 it's all a bit like playing Russian roulette. You could also go all in on Bitcoin, Solana or something else and hope that it does a x100 in exactly seven years and then switch to a distributor 😉
But seriously. I would be with your variant a whether it's a distributor or theaurizer, it doesn't really matter because it probably won't be exploited either way.

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mein_depot@seppl6431

@Hotte1909 I would go along with the idea - or a high dividend ETF (similar effect as reit)
If you have 10k full, you would have an annual distribution of 500€ with a div yield of 5%

With a 1.5% distribution, this is almost negligible
Wouldn't bring sooo much even with a 50k portfolio

Aim for a high distribution at that age
Lg

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Stefan@PatienceBeatsGreed

So I would join @Hotte1909. You're not really going to raise a lot of money in this time. That's why I would take a bit of a risk.
50€ in the $VWRL (if the allowance is still open, I would also choose distributing)
50€ in Bitcoin (especially with the new government in the USA, a small savings plan can have a good effect)

In any case, kudos for wanting to take care of your mother here 🙌🏻

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Uwe@SchlaubiSchlumpf

A) even better would be a fixed percentage of the capital in $VWRL and safe! bonds

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Obs89@Obs89

JEPQ

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Yoshika@Yoshika

what a nice thing to do 🩷

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Yoshika@Yoshika

@Yoshika Beyond algorithms and rigid rules, with creativity, sensitivity, and especially empathy, your not just reacting to trends, your staying one step ahead 🩷

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Silas@Bein-Godik

Why a distributor? With the savings rate and zero starting capital, it doesn't help at all

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Nostradonkey💩@DonkeyInvestor

It's kind of funny to talk about yourself as a mommy. Is this a new scam?

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