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Pascal
@Finanzios
1Año·

In the future I would like to invest my money as follows and would appreciate feedback from you😊🚀👍


Monthly savings/investments in the future will be:

250€ - $WLD (+0,51 %)

200€ - Trade Republic call money to be able to buy single stocks in case of a crash

100€ - $VUSA (+0,75 %)

150€ - Daily deposit account for nest eggs

100€ - Unit-linked pension insurance

70€ - $XAIX (+1,52 %)


How do you find the distribution? What is missing or what would you add?


🚀

7
54 Comentarios
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Nostradonkey💩@DonkeyInvestor
1Año
TR Call money: You lose more money waiting for the crash than in the crash itself. Nest egg: Should be built up immediately and as soon as possible. Once it is full, nothing is set aside for emergencies. To reserve a monthly sum for the nest egg I think is not purposeful$XAIX To special rest you can do so.
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Pascal@Finanzios
1Año
@DonkeyInvestor I would like to save a nest egg of about 10k and then leave it there in case something happens. After that it will not be saved any more. Do you mean instead of transferring the 200€ every month to TR, rather direct savings plans on selected shares? And should $XAIX not be saved at all? Or is there another solution for this? Or just then again take selected shares?
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Cekay@CMustermann
1Año
@DonkeyInvestor I always find the nest egg absolutism a bit difficult, I have also built up ours over 2 years and meanwhile already invested. Always depends heavily on the protection. We have so many social and family networks among us that a nest egg would actually not be necessary, or at least only slightly. In such a situation I must mMn not stop everything for 2-3 months completely until the target amount is reached ...
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Nostradonkey💩@DonkeyInvestor
1Año
@Finanzios then I would put everything into the nest egg now and fill it up as quickly as possible. When the emergency comes next month, a few euros in the nest egg are of no use to you. Yes, I would rather put the 200€ directly into your World ETF. Unless you are good at market timing and invest a lot of time accordingly. The "solution" for such special investments are single stocks. Have a look at #gqevergreens. There is a contribution to sector ETF
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Nostradonkey💩@DonkeyInvestor
1Año
@CMustermann then your nest egg might be too high
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Pascal@Finanzios
1Año
@DonkeyInvestor I'll let me go through my head again! Thank you!
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Epi@Epi
1Año
The plan sounds well thought out, but has a few pitfalls. 1. what is your starting position and what is your goal? Without that we can only talk roughly. 2. WorldETF is ok, but in combination with S&P500 a bit strange. Either-or. Most people here use the WorldEtf, but there are also good reasons for the S&P500, e.g. the quality of the companies, which is not institutionally ensured in the WorldEtf. 3. you save almost 50% cash. Can be done at the moment, but then you need a clear plan when to buy which stocks or which ETFs. Do you have it? 4. nest egg is an absolute, not a savings plan. 3 months' salary should be enough. If you have that, there is no need to save further on it. 5. Fund-linked pension insurance can be an absolute yield killer. What are your TER on the contract?
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Pascal@Finanzios
1Año
@Epi

Thank you for your feedback! 1. The goal should clearly be wealth accumulation. Each "savings plan" pursues a different approach here. So I would like to earn returns with the etfs or shares to possibly be able to live on it in old age or possibly times for the house purchase or the like. The pension insurance should pay me a pension in old age and the nest egg for unplanned expenses. 2. Here I have also long considered, but am of the opinion that the U.S. simply yield the most. Bespare both etfs with a smaller amount and the SP500 is up significantly more than the MSCI. The msci should simply serve for even more diversification. 3. with individual stocks I have become more cautious in the last 2 years and would like to buy only quality companies in the future. 4. the high sum comes from the fact that I currently have virtually no nest egg. I would like to end the savings plan at around 10k and then only have to top it up if I need any of it. 5. Since I work as an insurance salesman I of course have a very good pension plan + employee benefits. 👍😊
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Epi@Epi
1Año
@Finanzios I could still check on every point and crucial information is still missing. But overall it fits for you. Good luck! 👍
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Tim@timg1355
1Año
With unit-linked annuities, I would read the fine print very carefully. With commission-based contracts, you lose an extremely large amount of money in the first 5 years. It depends on the provider. If you absolutely want to take out insurance, pay attention to the cost and it has to be a fee-based contract. They are usually cheaper. And choose there normal ETFs and not actively managed funds of the company. With me it was with 100€ savings rate in the first 5 years 1000€ acquisition costs and per year 192€, which went for the management on it. In addition then still the ETF costs. In the first 5 years, I paid an incredible 4 monthly premiums just for the insurance without getting anything out of it. I cancelled immediately after the 5 years and invested the money with Scalable.
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Daniel@Dr27589
1Año
@timg1355 with a fee-based nettopolicy, you pay the "high sum" right at the beginning and have less capital at the start. Especially since many providers do not have any nettopolicies in their portfolio. Often nettopolicies end up being more expensive than (good) commission-based policies. Especially since an annuity insurance is generally only profitable after 15-20 years. If this was not clear to you and you were dissatisfied with the policy, why did you cancel it only after 5 years?
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Tim@timg1355
1Año
@Dr27589 exactly for the reason. I was not made aware of the costs and only saw this through the financial rebels because I only really got involved with it last year. That's why I didn't cancel until so late. It was all talked up so great at closing.
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Pascal@Finanzios
1Año
@timg1355 I'm sorry, but I work as an insurance salesman. Means I have a very good policy + employee benefits. 😊
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Pascal@Finanzios
1Año
@Dr27589 after 5 years the costs are paid or not? From then on the policy would be cheaper again
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Tim@timg1355
1Año
@Finanzios Yes, it's true, but I don't see how I can pay 200€ of my 1200€ a year in administration. Sure you have afterwards lifelong pension but that is me then but too much cost
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Pascal@Finanzios
1Año
@timg1355 that is exactly the factor I am aiming for. You don't know how long you're going to live, so your additional pension should be paid accordingly. Everything else I cover via the other savings plans.👍😊
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Daniel@Dr27589
1Año
@Finanzios After 5 years, the acquisition and sales costs are covered anyway - if @timg1355 had noticed this beforehand, it would probably have cancelled sooner. By the way, I don't really like the lifelong pension. I choose a different payout model, which is much more "profitable". But you know the contribution. 😅
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Pascal@Finanzios
1Año
@Dr27589 yes, I can also take a lump-sum settlement with mine. It's open to me 👍😊
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Daniel@Dr27589
1Año
@Finanzios That's what they all offer. But it doesn't bring you much... you would then have a high tax burden and would have been better off with an alternative investment via your normal securities account. Maximum retirement age with shortened premium payment period and withdraw the money later through partial cancellations. This way, you can gradually shift the money into ETFs/funds as it suits you, without taxes and fees, and let it work for you.
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Pascal@Finanzios
1Año
@Dr27589 cool tip! Thank you
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Ver todas las 12 respuestas adicionales
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Dividenden-Penner@Dividenden-Penner
1Año
Fill up your nest egg first - then everything else!
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Pascal@Finanzios
1Año
@Dividenden-Penner okay for what reason?
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Dividenden-Penner@Dividenden-Penner
1Año
@Finanzios As the name already says - NOTgroschen. This is money that you have immediately available in case of emergency. Put the money on a call money account at the same bank where you have your giro so that you can transfer back in real time from call money to giro, if necessary. Now there is already again >3% interest on overnight money and get even a solid return. The sum should be at least 3 net monthly salaries - I personally have 6 monthly salaries parked.
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Pascal@Finanzios
1Año
@Dividenden-Penner That's exactly how I'm going to save up my nest egg. Call money with currently 3% interest. Just not at my bank but at an online bank. Money should be there also within a day on my giro 👍😊
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Nebenbeitrading@Nebenbeitrading
1Año
@Dividenden-Penner phew difficult. For me, 6 months' salary would be more than 30,000€. What exactly are the cases you plan for such a scenario?
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Mc_Velli@Mc_Velli
1Año
I don't think the monthly savings plan for call money is so bad. As long as you don't simply put money aside elsewhere, you have nothing else if you ever want to buy a car or make similarly large purchases. At least I don't want to be dependent on having to sell parts of my portfolio in such a case.
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Pascal@Finanzios
1Año
@Mc_Velli that is exactly my thought process. Like to have some cash on reserve when I need it 👍😄
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JustizSee@11Js-Referat
1Año
👎
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Pascal@Finanzios
1Año
@11Js-Referat what bothers you?
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JustizSee@11Js-Referat
1Año
@Finanzios why again VUSA and these funny ETF? Your msci has Alphabet as the largest position about 8% and in the VUSA with about 4-5% and in your ETF also highly weighted. Will change little. Just take the same Msci + Nasdaq 100
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Pascal@Finanzios
1Año
@11Js-Referat I don't use the Nasdaq because there are only 100 companies in it. In the sp500 there are 500. 👍😊 I buy selected individual stocks myself, depending on what I want. Depending on what I want to have. and the "funny" etf is to cover the tech area again additionally. I myself have hardly any individual stocks from the sector.
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Pascal@Finanzios
1Año
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Tim@Stratege_Tim
1Año
@Finanzios
The "strategy" is not mature. The sense of individual savings plans is to be questioned. From my point of view, according to your monthly savings budget, I would save 700 € per month in the MSCI World and put 170 € in the overnight deposit account.
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Pascal@Finanzios
1Año
@General_T_Regnery I prefer to set it up a bit more broadly. You would do without pension insurance completely? I wouldn't do that, for example, because a secure monthly pension is the main thing here. Also, when I look at your portfolio, I notice that you have about 8 etfs? Wouldn't it be smarter to just take a MSCI World?
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Tim@Stratege_Tim
1Año
So you're doing this by the motto: mass instead of class? I don't really know your pension insurance, but would claim with the monthly contribution you pay monthly, you could also do better with a savings plan on a world ETF and then shortly before retirement a shift to bonds or from now on a savings plan on high-percentage government bonds both yield-wise and cost-wise.

I'm happy to learn, but it sounds to me more like you have the annuity because: that's "reputable," "that's how you do it." Hopefully you can enlighten me and debunk my preconceptions. And regarding my portfolio: I had a world ETF at the very beginning. However, I don't like the weighting of countries and their companies according to market capitalization, because it doesn't take the real value creation into account at all. Unfortunately, there is currently no offer of a world ETF according to pure GDP weighting that I could take. So I had to build my own world ETF using my TOP world regions strategy by GDP weighting (otherwise not to be overlooked in the profile description). In addition, I am also flexible and can react adequately to drastic changes in the economic strength of individual countries in years/decades via the weighting of individual region ETFs and am not dependent on the ETF provider in this respect.
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Pascal@Finanzios
1Año
@General_T_Regnery On the subject of pension insurance: I work as an insurance salesman and accordingly have a suitable policy with all the advantages. Your plan would only work if there is enough capital to get through to 100 or 110 years with this capital (depending on how old you get). In most cases it is actually the case that this capital is used up at some point and you are there at 95 and have no more money. Often money is withdrawn from a deposit for e.g. private purposes such as house building, etc. and then the capital is no longer enough. Your portfolio with the various Etfs can make sense. However, you have to consider that you pay TER for each Etf. There can come with 8 etfs what rum, depending on the invested amount. From my point of view not useful, because the rebalancing must also be done yourself. But everyone as he likes.😉
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Tim@Stratege_Tim
1Año
@Finanzios
I plan my private pension in such a way that I have enough capital at retirement age so that I don't suffer any major capital loss from interest on government bonds or dividends from a dividend ETF (I still have to think about this). Ideally, I will even come out with +/- 0 change in assets at retirement age. And even if that doesn't work out: I don't think I will live that long. And if I do: my descendants will certainly take care of me with a minimum of capital for the remaining years without capital, should I become very old. There should be no doubt about that. Much money I will then probably no longer need, since I would be the last maximum 10% of maximum achievable biological lifetime also accordingly physically aged and accordingly little with still capital from the pension could do. "Often the capital"...There you know me but badly. 😉 I have always been in my 20 years of life a thrifty person, was never in the minus with my account, am thrifty, put a lot of money aside and have always afforded only that and allowed the standard of living according to my available capital. Means: Either I can afford well adequately a house purchase or not. Then that's just the way it is. 🤷🏻‍♂️ Therefore I do not set however nevertheless my age precaution on play.... I respect that there are people, who enjoy their life in full trains (everyone has yes only 1). For me, however, it is completely enough. I am frugal. I think you have a thinking error with the TER. Since I already save everything with a savings plan, there are no one-time costs per product. And the annual management TER is a percentage. That means: There are no fixed costs like 5 € per year. The TER of let's say 0.25% accrues on average on each individual position. Therefore, one does not add the individual TER to a total. From them only an average value can be formed. Smaller positions do not lead to an explosion in costs, and the regular weighting of the individual positions is a clear plus point in my view. That was the main reason why I decided to leave the MSCI World.
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Ironman@Ironman2022
1Año
This topic seems to have been dealt with extensively in this thread. I have dealt with the product very intensively and have come to the conclusion that it is a waste of money. All the alleged tax advantages etc. are pure sales tricks. I would most likely take out a life annuity insurance through a net policy. Everything else is a total scam!
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Pascal@Finanzios
1Año
@Ironman2022 The first question is: Which product? There are different annuities and each has its raison d'être. And you also have to be careful with net/gross policies. Everyone talks about the fact that a net policy has no costs. Gross policies can also be advantageous. The topic of tax advantages: there are differences here as well. It depends on the product you want to take out. 👍
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Ironman@Ironman2022
1Año
@Finanzios As you have already noticed, my trust in your industry and in such non-transparent and expensive products is close to zero. The best thing to do is to take financial provision into your own hands. That's the best way to go. That is my deepest conviction.
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Pascal@Finanzios
1Año
@Ironman2022 I think there are enough products on the market that are cheap. That you yourself invest in etfs is great. I'm doing the same thing. However, it always makes sense to spread your money and not to concentrate on just one thing. Whether dad has to be an insurance or something else is up to you. I can only say that our customers are satisfied. Especially the customers who are now retiring and who took out a policy a few years ago. Don't throw all insurances into one bucket, but look at different ones. I am also aware that there are also black sheep among insurers. 👍
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Ironman@Ironman2022
1Año
@Finanzios Of course, I also diversify across different assets. Life insurance is definitely no longer part of it😅
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