4Lun·

Hi there,

I have two different questions and would like your opinion on them. Thank you very much in advance!

About me: I am 19 years old and graduated from high school this summer. I'm currently doing a gap year and working part-time. My monthly savings rate or money that I would have at my free disposal is around €1200.

Now to my first question: I want to go to Japan in May and currently need just under €3500 for this. Should I play it safe now and store everything at TR to take the interest with me or put it in a simple Msci World? As it is a relatively short period until May, would TR be the safest?

Now for the second question: I don't have a classic $IWDA (-1,03 %) but the $SUSW (-0,88 %) (Please don't ask why I have it 🥴) Should I now "switch" to the classic $IWDA (-1,03 %) "switch" or just stick with the $SUSW (-0,88 %) because I'm already there anyway? I think they perform similarly...

Many thanks for your tips in advance!

11 Comentarios

Dussel Duck 🍎🍏🥂@DusselDuck

4Lun

Question 1: I would definitely do TR, yes.
Question 2: $SUSW looks at sustainability, $IWDA does not. Performance is almost the same. Ter is the same. So in that respect: Almost the same, I would say.

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Kai@Dividenden-Sammler

4Lun

@DusselDuck you can't add anything 👍
I would do the same.

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Jegin@Jegin

4Lun

@DusselDuck All clear. Thank you!

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FamilyFinance@FamilyFinance

4Lun

To 1. never invest the money for Japan in the stock market, the period is far too short. Take the interest on TR with you. Re 2: I would switch to a neutral ACWI/All-World in order to map the world equity market as simply as possible. But that's a matter of taste.

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Jegin@Jegin

4Lun

@FamilyFinance Yes, I've already thought about an All-World. Let's see...

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Wif@salvo89ari

4Lun

You would rather collect the 4% interest from TR

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Wif@salvo89ari

4Lun

"Don't invest it. If you invest at the wrong time, you can forget about your Japan trip, bro. Investing in an ETF in such a short time won't give you much profit, but the risk of losing some of your money is greater."

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Jegin@Jegin

4Lun

@salvo89ari Okay thanks!

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Gordon@GordonGecko_official

4Lun

3500€? Sounds like a nice, extended Tokyo weekend!

If you still decide to invest in ETFs, at least now comes the historically better half-year...when it comes to Nippon, it's practically "sell in may and go away"

But I would only do this if, for example, Mum&Dad would step in interest-free in an emergency and you are not forced to get out of the market...then they could simply get their money back later and you have still taken advantage of the potential opportunity and don't have to be annoyed.

Whatever you decide --->Have a good trip!🇯🇵

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Jegin@Jegin

4Lun

@GordonGecko_official Danke! 👍🏼

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Donnie Azoff@DonnieAzoff215415

4Lun

Always use call money for such short periods.

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