4D·

Heritage

Hello everyone,

I recently inherited a 5-figure sum and don't really know what to do with it.

To me:

I am 20 years old, a student and have had a custody account with Trade Republic for 1.5 years, on which I save €250 a month.

I have a savings plan there:

I also have a small Bitcoin position with Bitvavo.

With the money that I inherited, I would like to do something separately for my retirement provision and have now considered opening another custody account at my bank and splitting this amount, whereby I would then use the custody account at my bank for my retirement provision and simply put the amount in the $VWRL (-0,2 %) and simply put the amount into the

Now I've heard a lot about private unit-linked pension insurance, but I don't know if that's so much better than just opening a custody account with my bank.

How would you go about it?

Do you have any suggestions?

I'm really unsure what I should do.

Thanks in advance 🙂

9 Comentarios

GHF@GHF

Private fund-linked pension insurance may not be bad, but it has a corresponding cost structure. ETF management at your bank might not be cheap either.
Just get a second online broker if you want to separate the custody accounts.

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Robin2100@Robin2100

@GHF is not quite cheap, but still saves a lot of money over the life of the system.

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ur@ur_dbfn

@Robin2100 Bold statement...

https://youtu.be/U6CAT4OJdNE
https://youtu.be/rkWq17_oIG8

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Robin2100@Robin2100

@ur_dbfn I don't think so. You have almost only advantages. In the worst case, you almost get 0/0 out of it. But you do have some advantages (which you then actually get for free). And in most cases, it is very worthwhile.

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Pezi@Pezi

Simply increase the savings plans until the money is gone....

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Robin2100@Robin2100

If the money is really intended for retirement provision, a unit-linked pension insurance with an offensive fund would be worth considering.

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Marko@M_Bo

@Robin2100 Something like the $CSPX?

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Robin2100@Robin2100

@M_Bo that is of course a matter of preference. Despite everything, I would not only invest in America, but that is of course up to you

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Max1102@Max1102

I have the same savings plans with the exception of $CSNDX I have chosen $XAIX, I would simply increase the savings plans over a few months and leave everything in one portfolio. I also have a long investment horizon and think diversified makes the most sense in the long run.

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