Last Savings Plan

Donkey Diktator · 2026-11-09T19:39:42.309863Z

Position filled. From now on, the $WEBG savings will begin.

AI sagt@GoDividend

3D

I've been waiting a long time for that information.

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Donkey Diktator@DonkeyInvestor

3D

@GoDividend Just for you 😘

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AI sagt@GoDividend

3D

@DonkeyInvestor Congratulations on the next full WeltETF

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Donkey Diktator@DonkeyInvestor

3D

@GoDividend Thank you very much. But it'll take longer now until the next one is full. My real estate investment fund is practically depleted. As a result, my monthly savings will drop significantly soon.

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AI sagt@GoDividend

3D

@DonkeyInvestor That's kind of awkward.
I also withdrew something from my portfolio for the first time this year. In this bubble, you immediately start feeling guilty🤣

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Donkey Diktator@DonkeyInvestor

3D

@GoDividend It hasn't gotten to the point where I need to withdraw anything yet. Do you reinvest all your dividends?

Actually, it’ll be more of a relief for me when the real estate equity is finally used up. I actually wanted to invest all of my real estate equity in the “ $VWRL ” when it was trading at 95 euros. But then I decided to go with the tranches instead 😭😭😭

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AI sagt@GoDividend

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@DonkeyInvestor So far, we've reinvested everything.

But next year, we're going to treat ourselves to a trip using the dividends.

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AI sagt@GoDividend

3D

@DonkeyInvestor Time is a bitch: everyone preaches about investing over a savings plan at some point 😅. Well, in hindsight, we all know better.

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Donkey Diktator@DonkeyInvestor

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@GoDividend I can recommend the Allgäu to you. Beautiful scenery. Affordable lodging. And they have great rice 👍

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AI sagt@GoDividend

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@DonkeyInvestor Haha, the Allgäu is famous for its rice

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A@xxx

3D

If the next one is full and you're still looking for something with a lower price, $UBU7

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Donkey Diktator@DonkeyInvestor

3D

@xxx Thanks. It'll take a while, but I've added it to my watchlist for now.

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emppsb@emppsb

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@xxx when do you consider it full? After x% up?

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Donkey Diktator@DonkeyInvestor

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@emppsb after it's as big as my $VWRL position

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Thorsten@silverbug999

3D

It makes a lot of sense to do this with a view to future withdrawals; you can save a lot on taxes because you can avoid or delay the "first in, first out" rule and thus end up with significantly more capital in the end!

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Alpalaka@Alpalaka

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@silverbug999 You can handle that with account transfers :)

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Donkey Diktator@DonkeyInvestor

2D

@Alpalaka But it's more convenient that way

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Alpalaka@Alpalaka

2D

@DonkeyInvestor Yeah. But the portfolio looks a lot neater now.

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Donkey Diktator@DonkeyInvestor

2D

@Alpalaka I have each ETF in its own portfolio 😁

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Alpalaka@Alpalaka

2D

Amundi is well known for its long-standing ETFs 👍

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Donkey Diktator@DonkeyInvestor

2D

@Alpalaka That's why I chose this high-quality company 👍

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emppsb@emppsb

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What’s your savings plan composition? Just world etf?

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Donkey Diktator@DonkeyInvestor

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@emppsb yes 👍

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emppsb@emppsb

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@DonkeyInvestor you can check $ALLW is also 0,07% ter

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Donkey Diktator@DonkeyInvestor

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@emppsb not distributing. Anyway, next saving plan for a "new" world ETF starts in a couple of years

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ShrimpTheGimp🦐@ShrimpTheGimp

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@DonkeyInvestor $VALLD —is that not for you?

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Donkey Diktator@DonkeyInvestor

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@ShrimpTheGimp In terms of returns, it probably doesn't matter much. In practice, small-cap stocks don't make a difference (maybe even a slightly negative one, if I'm not mistaken).

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ShrimpTheGimp🦐@ShrimpTheGimp

3D

@DonkeyInvestor Yep, I don't think there's really much difference. Personally, I just like Vanguard a little more than Amundi 😬

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Donkey Diktator@DonkeyInvestor

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@ShrimpTheGimp But I already have an ETF like that in my portfolio. And it's already full.

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ShrimpTheGimp🦐@ShrimpTheGimp

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@DonkeyInvestor I see; then I'd extend that to other issuers as well :)

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NichtRelevant@NichtRelevant

3D

What's the story behind the various global ETFs? They're all large, broadly diversified, Ireland-based, and distribute dividends. Are you looking for even lower TERs, or what's your goal here?

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Donkey Diktator@DonkeyInvestor

3D

@NichtRelevant Diversification across issuers (and their home countries) and less complexity when making tax-optimized withdrawals.

I don't really care about the TER as long as it's within reasonable limits. Having dividends spread out over several months of the year is a nice side effect, but of course not a reason in itself.

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NichtRelevant@NichtRelevant

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@DonkeyInvestor Ah, okay. Are you concerned about relying too heavily on a single issuer, or are you worried about interventions or regulations by individual countries? The securities held in ETFs should technically be protected as special assets—at least if they’re physically replicated, right?

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Donkey Diktator@DonkeyInvestor

3D

@NichtRelevant No. The risk is negligible. But so is the effort required to mitigate that risk. Plus the other minimal benefits.

So the question isn't: Why are you doing this? It's: Why shouldn't you do it? I didn't have an answer to that question. That's why I'm doing it.

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