1Semana·

Best entry into an ETF

I have opted for the $VWCE (-0,14 %) decided on the

but I'm not sure how and, above all, when I should get started.

How would you go about it?

1 - Just start with a sum x without waiting for a "perfect" time to start and then let the savings plan run.

2- Start the first entry directly with a savings plan and a monthly savings installment of ~€300

14 Comentarios

wasi@wasi

1Semana

Simply pure + savings plan

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INVESTDALF@der_Ahnungslose

1Semana

There is an old saying that goes: the best time to enter the market was yesterday, the second best time is today.
Furthermore, "time in the market beats timing the market".

Especially when investing in a broadly diversified ETF, the time of entry does not matter if you have an investment horizon of several years and simply want to take the approx. 6-8% average annual return with you. There are assets where the entry point is definitely important, e.g. cryptos, but that is another matter.
If your investment horizon is not at least 10-15 years, you are not well advised to invest in a global ETF anyway. So if your investment horizon is over 10 years, just buy the first tranche immediately and then continue with a monthly savings plan. Not investment advice, but that's what I personally would do.

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investment_sage_1668@investment_sage_1668

1Semana

@der_Ahnungslose thanks for your opinion, sounds very reasonable 👍🏼

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INVESTDALF@der_Ahnungslose

1Semana

@investment_sage_1668 no problem.
With regard to what the previous speakers have written (America Trump etc.), you could consider adding an emerging markets etf with 10-20%. That way you can reduce the "lump risk USA".

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K@TechNav

1Semana

Best entry was yesterday. Next best entry is today

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Sparfuchs@Reinecke

1Semana

Yes, that is the crucial question as to whether the $VWCE is now euphorically soaring to unimagined heights because of Trump and will then correct noticeably when Trump's policies come to fruition ... or whether it will continue to develop as it did under the Biden administration. I'll keep my savings plans running and keep my money in the market. If it corrects, then so be it. I am invested here for the long term.

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investment_sage_1668@investment_sage_1668

1Semana

@Reinecke Yes, those are my current concerns.

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Krynt@Krynt

1Semana

@Reinecke The stock market performed better during Trump's last term than during Sleepy Joe's time in office

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investment_sage_1668@investment_sage_1668

1Semana

@Krynt How would you proceed?

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Sparfuchs@Reinecke

1Semana

@Krynt Yes, but Trump and Sleepy Joe have also taken on 16 trillion dollars in new debt since then. That will be interesting, but the companies in the VWCE are invested worldwide, so I don't see any need for action yet. But if the whole thing escalates into a global trade war, the market will start to flinch. As I said before, as a long-term investor I'll sit it out and take the cheap savings rates with me.

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Krynt@Krynt

1Semana

@investment_sage_1668 Just a monthly savings plan and you're done, nobody can time the market.

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Krynt@Krynt

1Semana

@Reinecke There will be no trade war, they will all cave in to the USA. If there were to be one, a savings plan would be all the better

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Sebi@Seebi

1Semana

Nr.1

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isacc_se@isacc_se

1Semana

I would always recommend No. 2 as an entry point. In terms of long-term performance, No. 1 naturally makes more sense. But the psyche is crucial for success on the stock market. Anyone who has started investing in a bear market knows this. It is therefore best to invest a larger sum over 6-12 months using a savings plan.

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